BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I went to Experian to get a free credit report. They charged me {$1.00} for it on my credit card. Then they signed me up for a monitoring service I did n't want. I did n't even know I was being signed up for it until I started getting billed on my credit card. They have billed me {$21.00} XXXX in a XXXX month period. I called them to cancel this unwanted service. It was after-hours and the automated phone prompt directed to me to send an email to cancel the membership. I did. They replied back that they could n't find a record of my account and to send them more information. I did. They said they still have no record of me based on my name or email. I called them to cancel. I waited on hold for almost half an hour. When I finally got someone, they asked for my name, phone number, email, date of birth, etc. They said they do n't show any record of me. I asked them if I have no membership with them, why are they billing me. They said to give them my credit card number. I said I 've already done that and you started billing me with unwanted things, so why would I give you the number again. If they 're already billing me, they should have my credit card number along with name, address, etc. They keep saying they have no record of me, but they keep billing me! I did a google search and found dozens of others going through the exact same thing and none of us know what to do to get it to stop. I 've filed a complaint with the XXXX and contacted my credit card company which is now in a billing dispute with them, but I have n't heard back to see if anything has been done. I just want to cancel the membership that I NEVER wanted. The only reason I went to Experian was because the FTC website said I could get a free credit report. They need to be more upfront that they are charging you and signing you up for memberships because from what I 've seen, this is common practice for them. Now they have emailed me saying maybe it 's another company with a similar name. I 've tried explaining to them it 's not another company, because it 's their same name and same customer service number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-27
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been attempting to resolved a matter with Allied Collection Services for several years. They have been assigned to collect a debt for the XXXX XXXX XXXX XXXX XXXX that I did not incur. I have not been able to resolve this matter with them and was eventually advised to file a police report, which I did. They have still not taken this fraudulent item of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company calls me daily everyday, several times a day. They have called and harassed my employer as well as family and friends. I've asked them to stop with the phone calls and send communications through mail only. They have refused to do so and continue to harass me. I would like it to stop immediately. No more phone calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received an email from agent XXXX XXXX from XXXXXXXX XXXX XXXX threatening me to be given a warrant for my arrest concerning a debt collection for Speedys Cash Loans. This loan is not on my credit report and I have not received any official documentation for this through regular mail. My mom receives any mail for me concerning important documentation through her home address. I also have my own address and I havent received any mail concerning this debt. For the most part, it is not my credit report and I need to see if this collector is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of fraud as defined by the XXXX. The XXXX has an open investigation into the fraud and I have provided the creditors AND the bureaus with this document. STILL, the items remain on my report and the bureaus, all 3, do nothing except request MORE documentation and send me emails with dead links.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I SUBMITTED TO TRANSUNION 3 TIMES AND THEY ARE NOT REMOVING AND KEEPING UPDATING THE STATUS DATES. ALL THREE COLLECTIONS ITEMS ARE INCORRECT AND NOT MINE. I 'VE REQUESTED PROOF FROM THEM AND NOTHING HAS BEEN SENT!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: DLC, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Trying to apply apartment but I can't be approved because of the collection I don't own .. the XXXX XXXX XXXX trying to collect the Dollar loan under my husband account.. which my husband just file chapter XXXX bankruptcy. Which the Dollar loan been discharged with the bankruptcy and now they report it under my credit report as a joint which I don't sign anything and im not present when my husband get a loan. 
The amount they trying to collect is {$1400.00} XX/XX/2018 And they put joint without my signature and even im not present they include me as a joint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, I was attempting to apply for a BBVA US Credit Card under a promotion I received in the mail ( Reservation Code : XXXX ) but before I could go further I was denied because I am not a US Citizen, but a XXXX XXXX. I was appalled by this as I initially received this in the mail, addressed to me XXXX XXXX as I currently bank with BBVA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Judgement reporting on my credit report that is completely inaccurate. I have sent the credit bureaus multiple letters asking them to verify the accuracy and they claim they contacted the court however I sent the court a letter as well and they claim they do not verify anything with any credit reporting agency. The credit bureaus are falsifying their investigation results and lying to the consumers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are a self-employed married couple, with a XXXX XXXX in Pennsylvania. Our Governor, Governor XXXX, has sit all business down and given us a stay-at-home order. We cant work and do not have any income. We have attempted to call BB & T to be responsible and discuss deferment during this time when we are not receiving income due to Covid-19. 

XXXX- on hold with the BB & T mortgage line for 3 hours and 5 minutes. Call when disconnected when answered. 

XXXX- on hold with the BB & T mortgage line for 2 hours and 19 minutes. Had to hang up. 

XXXX- on hold with the BB & T mortgage line for 3 hours and 3 minutes. Had to hang up. 

XXXX- on hold with the BB & T mortgage line for 2 hours and 8 minutes, was after hours at this point, hung up at XXXX Still no resolution. We do not want to default. Our payments are on auto-withdraw and we dont want our accounts to go negative either. 

I have learned from others that they are offering a 3 month deferment- then at the end they expect lump sum repayment to include all 3 months plus the current month due. 

How is anyone to pay 4 months of mortgage payments in a lump sum after not working and having any income? 

Other companies are offering deferment and the deferred months are going to the end of the term to extend it by 3 months. 

BB & T is not helping their customers. They will be putting them out of their homes and on the streets!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  XXXX  wrongfully reported my wife and I during the government shutdown last year XX/XX/2019. They eventually acknowledged and removed that 30 day late status XX/XX/2019, but our 70 points taken off from each of us never returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a former tenant of XXXX XXXX, an apartment complex located in XXXX Arkansas but owned and operated by XXXX XXXX based in XXXX Missouri, and I vacated the complex in XX/XX/2021 after XXXX XXXX illegally prevented me from vacating in XX/XX/2021, in breach of the lease contract. As part of the contract there is a special provisions clause known as Section 10 which which supersede any conflicting provisions of the Lease Contract and in part states the following : " All 30 day notices will take effect on the first day the month for which it is issued '', as I wanted to vacate I approached the complex manager in XXXX to inform him of my decision, however the manager refused to give me the proper paperwork in order for me to leave saying that I have to give him 30 days notice, however according the the special provisions, its clearly stated that any 30 day notice would take effect on the first day of the month of the issued notice, therefore any notice after the first of XXXX would start on the first of XXXX and the manager therefore was given 30 days notice. After vacating the complex XXXX XXXX engaged in a campaign of harassment by unlawfully disclosing my personal information to debt collectors named XXXX XXXX based in XXXX, Florida, claiming that I owed XXXX XXXX XXXX for an termination fee, I responded by filing a complaint with the XXXX and pointing out not only the above mentioned, but also the fact that I paid XXXX in XXXX and XXXX of XXXX for rent and the termination fee, but XXXX XXXX falsely attributed the payment in XXXX to rent. In the course of the XXXX investigation XXXX XXXX admitted that they " could not backdate any notices, '' i.e. breached the contract. I wish to also point out that if they could not backdate any notices, then what was the purpose of the special provision I invoked and how else was it to be used. The investigation was then concluded as answered without much progress after that. XXXX XXXX continued to harass me even after disputing the debt, furthermore they not only failed to provide verification of the debt, they failed to provide a statement stating that unless the consumer, that within thirty days after receipt of the notice, disputes the validity of the debt or any portion thereof, the debt will be assumed valid by the collector, as well as falsely representing the legal status and amount of the so-called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX negative reports on my Equifax credit report, name of the collection agency is XXXX XXXX. There are XXXX accounts in collections, XXXX for {$1100.00} and XXXX for {$520.00}. I disputed both reports and the final result dated XXXX XXXX 2016 was that both accounts have been verified and will stay on my credit report. That ca n't possibly be true because I received a letter from the original creditor, XXXX XXXX XXXX XXXX indicating my account has been satisfied dated XXXX XXXX 2016. I attached a copy of the letter for your review, kindly update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found XXXX addresses on my XXXX report where I 've never lived. I have had my XXXX / ATM card used fraduantly in the past. I got a new card back then, and did not think there were any further problems until today until I click on my credit information. I 'm not well versed in this. And will have to seek help to resolve this. As XXXX address is in a state I 've never even visited..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
JP Morgan Chase Auto Loan and credit bureaus reporting this debt as reaffirmed and a balance due. This debt was not reaffirmed. This vehicle was voluntarily surrendered and the balance discharged in bankruptcy. I AM IN ESCROW ON A HOME AND THIS IS AFFECTING MY LOAN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX 's client XXXX XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a credit card with XXXX XXXXCap One XXXX/XXXX/XXXX. While no account was established a fraudulent inquiry related to the application was left on his XXXX credit report. An official dispute of this was sent to XXXX XXXX XXXX/XXXX/XXXX and as of this date no reply has been provided which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX first missed payment XX/XX/XXXX. Target gets judgement XX/XX/XXXX. 7 years credit reporting should end XX/XX/XXXX. Equifax says XX/XX/XXXX. Does a creditor get XXXX chances to report bad debt 7 years to the credit agencies? XXXX with the first missed payment and XXXX for a judgement for same debt., in my case 1 year later. Loophole : Creditor can report debt when first delinquent then wait till the last month of the 7 year period, obtain a judgement for same debt then get another 7 years of reporting for a total of 14 years of reporting to credit report agencies for XXXX debt. FDCA needs to be amended to reflect that the 7 years clock starts the first month of default, or no payment on the debt and that any subsequent judgement obtained by the creditor does not start a second 7 years debt reporting but fall under the 7 years that started the first month of default or non payment of the debt. The law needs to reflect that a judgement is just a part of the debt collection process and does not make an already reported bad debt as a new separate debt. By changing the law, creditors will have to obtain a judgement in a timely manner and close the loophole that allows them to wait as a strategy to report the debt for longer then 7 years. It will also prevent the creditor from having XXXX debt reporting clocks. The way the law is now creditor can report debt twice, the debt itself, and then the judgement giving XXXX, 7 years debt reporting clocks as if they were XXXX separate debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX wrongfully reported my wife and I during the government shutdown last year XX/XX/2019. They eventually acknowledged and removed that 30 day late status XX/XX/2019, but our 70 points taken off from each of us never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fraudulent credit inquiries listed on my Experian credit report that are unauthorized and not my credit inquiries. The following credit inquiries from XX/XX/2019 are fraudulent and unauthorized : XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I've tried several times to get the remaining balance of my account with no success. XXXX called several names for thrown out of the branches. Truist Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation