BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2020, I called XXXX XXXX about an account that show charge off on my credit card report. I waited two hours to talk to a representative in the recovery collection department. I explained to the representative that I notice there was a balance and the account have been charged off. Ask if I paid the account in full, that the negative account hit be removed. The representative said no. I asked why there was no past due notice and/or collection notice sent to my address. The representative, name XXXX # ID XXXX stated all correspondences on the account were sent via email and on and on about why would we mail correspondences on the account if I chose email on my account as method of communication. The representative keep on about how is it XXXX XXXX 's fault if I did not received it since my method of communication is email. Before I could explain to the representative that my email was hacked and I have not been able to received any emails for quite a long time, the call got silent like the representative might have muted the call. I stay on the line to see if the representative would realize that the phone was on mute and he's not hearing me, the call got disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Beginning late spring/early summer 2021 I began receiving collection notices from Resurgent Capital Services XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX Resurgent is a collection agency. I did not recognize the account on which Resurgent was collecting so I wrote to them asking for documents supporting their claim. Resurgent responded by sending two account statements, both showing zero payments. Resurgent sent neither a Cardholder Agreement nor any other document establishing me as being legally responsible for the account. Since Resurgent can not collect on an account for which it can not provide legal proof I again asked ( twice ) for these materials ; I even wrote to their CEO, XXXX XXXX. Resurgent never sent me anything other than the two account statements I have described. Bottom line, Resurgent has never provided anything to support its claim, but continues pursuing collection activities against me. Resurgent has even reported me to the XXXX credit reporting agency, causing my credit score to drop nearly 40 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone is misusing my personal information please kindly help me to get out of this issue

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 2022-06-16
Company: Experian Information Solutions Inc.
State: IN
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The date of the infraction was XXXX XXXX, I have file many disputes asking for validation of this account # XXXX from XXXX XXXXXXXX XXXX XXXXXXXX. Pursuant to XXXX XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from your credit report. Consumers have a right under the FCRA to challenge information in their file that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. I am asking for proof of a contract with my signature that shows I have a legal binding contract with XXXX XXXXXXXX XXXX XXXXXXXX. I have also file a dispute with FTC in this matter.

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 2017-07-19
Company: Rocket Mortgage, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spoke with XXXX XXXX with Quicken Loans looking for some information regarding a home equity loan. He wanted to sell be a refinance of my mortgage. I told him that I was not interested in a refinance but was looking for information on a home equity loan. I had no intention of applying for a mortgage refinance with him. I was just inquiring about possibilities of a home equity loan once my credit cleared up. He mislead me to believe that he could do a quick easy harmless credit pulse check and that it would not hurt my credit in any way. And I specifically told him that I did not want a hard inquiry to hit my credit, and he did it anyways without my authorization and it dropped my credit score by 3 points. I have contacted him about this and I have requested that he remove the unauthorized hard inquiry that is now showing on all three credit bureaus. XXXX refused to remove the hard inquiry. And thats why I am submitting this complaint. Hopefully you can help me to get Quicken Loans to remove this unauthorized hard credit inquiry. Quicken Loans used an agency named XXXX XXXX XXXX to do the hard inquiry and that is what is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX, I sent a certified mail to Equifax to update the inaccurate and derogatory payment history on my credit report. I provided supporting documentation from the creditor, XXXX XXXX that the delinquencies ( 3 ) have been removed from my account. 

After numerous telephone calls and follow-ups, As of XX/XX/2020 which is in excess of 90 days, Equifax has failed to update and report this information accurately as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian : Many Cerified letters sent,XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX amounts spend {$6.00} {$3.00} {$3.00} {$330.00} {$3.00} {$3.00} {$3.00} {$330.00} {$330.00} Certified Receipts. Asked Experian to remove old address with no results! Address not deliverable to me by U.S. post office they are not reportable by FRCA. Inquiries ( hard ) did not provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry.Reports state Reason unspecified not acceptable. Auto inquires stated count has one in a 30 Day period Experian lists them separate. Mortgage inquiries in a 30 day period count as one inquiry listed has single accounts and Auto inquires. I have tried to do my best with Experian results are poor! I 'm a XXXX Vet and I should get help I need from Experian.

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 2017-07-19
Company: Preston Clark & Quinn
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Preston Clark & Quinn ( PCQ Associates ) in XX/XX/XXXX regarding a debt for a charged off credit card from the XXXX XXXX. I established a payment plan with them to resolve the debt, and made 2 payments onXX/XX/XXXX ( from two separate accounts ) to settle the debt in full. The company never sent me a paid in full letter per the verbal agreement, and has been unresponsive to phone calls, voice messages, and email requests for the debt settlement letter or contact information. The original creditor recently started to withdraw money from my military pay in XX/XX/XXXX, which is how I discovered that PCQ Associates defrauded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2019 I was alerted by my credit monitoring service, XXXX XXXX, that a hard inquiry was made on my credit report. Considering I hadn't applied for any loan applications I suspected fraud. The company listed for the hard inquiry was XXXX XXXX   XXXX. I contacted them and they told me they were used by a 3rd party, XXXX XXXX XXXX, a lending company based on South Carolina. I attempted to contact the company to no avail. The inquiry appeared with XXXX  and XXXX. I called both bureaus and told them about the incident. They both told me that to dispute the inquiry I had to get verification from the lending company as well as other supporting documentation. The issue is the lending company has yet to contact me back and I fear that something fraudulent is going on.

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These Fraudulent accounts has affected my life and has caused me to lose out on life changing opportunity. I just recently learned about credit, credit report and what your scores mean last year. When I finally checked I seen a lot of accounts I have never seen before or knew they were opened in my name and has caused my score to be extremely low! When I was in the military from XXXX, I heard of people stealing others information and committing fraud, but I never knew it would happen to me until I seen for myself. The credit card Fraudulent Accounts are : ( XXXX XXXX XXXX ( XXXX XXXX has multiple account numbers ). ( XXXX XXXX ). ( XXXX XXXX**** ) Car loan fraud account : XXXX XXXX XXXX  XXXX Personal loan fraud account : XXXX  XXXX  XXXX  XXXX  XXXX. I would like immediate removal of all Fraud accounts on my credit report.

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 2017-07-21
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mother XXXX suddenly on XX/XX/XXXX so we ended up having to dispose of her assets. ( There wasnt much my step fathers XXXX pretty much eliminated most of it. ) To make a long story short advance to XX/XX/XXXX after probate, XXXX XXXX requested that I request a payoff from Citimortgage. I did however they needed one valid through XX/XX/XXXX. On XX/XX/XXXX I contacted Citimortgage and requested a new payoff that was faxed to XXXX XXXX. On XX/XX/XXXX they wired the payoff amount to Citimortgage. Shortly after Citimortgage returned the payoff amount and claimed that on the XX/XX/XXXX they received a bill for {$600.00} from a company in XXXX XXXX which they contracted in XX/XX/XXXX?, to check on the property and do any maintenance. They say this is standard procedure when a property goes in arrears. They claim to have made 3 visits to change locks and landscaping and cleaning. First of all my mother passed in XX/XX/XXXX and was up to date so didnt become past due until middle of XX/XX/XXXX. Please note letter from the bank verifying when the when the delinquency began. Next there is a H.O.A. who does all the maintenance and there is no back yard just a 6ft by 20ft concrete slab. As far as the locks, the current tenant is using the original keys. There was nothing ever done. I have attempted to discuss this with Citimortgage but they cut me off because they do not have any paperwork showing me as the executor or the death certificate. These have been faxed to them and XXXX has copies of the verification they received it. They are saying that it takes 7 to 10 days before it is input to the system, and yet they supposedly received a bill and was immediately placed in the system. They will not discuss anything with the title company or myself letting the interest and fees add on and soon another payment to be included. They also can not produce anything verifying services were done either. They made a mistake and want someone to pay for it. All we are looking for is to drop any additional charges, fees and interest and accept the payoff as is written by them and issue the deed. This is also what Nevada requires them to do.

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 2020-01-10
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I requested validation of an account listed in my name with XXXX XXXX that is being reported to the three major credit bureaus. I requested a balance owed as well as proof of ownership through a signed contract or service agreement. XXXX XXXX  failed to provide a balance or a signed agreement as I received a letter from XXXX XXXX  dated XX/XX/2019 stating an account was opened online and signed electronically but yet failed to provide the requested validation per FCRA. XXXX XXXX continues to report this alleged account to credit reporting agencies despite my request for deletion due to failure to properly validate an account per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: TX
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:
Please be advised that not only do I have no knowledge of the trade line XXXX XXXX is reporting on my credit but you are also in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have tried numerous of times to contact this. Attached is a letter from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Please supply the name, address, and phone number of anyone who has been contacted about this claimed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please be advised that not only do I have no knowledge of the trade line XXXX XXXX is reporting on my credit but you are also in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have tried numerous of times to contact this. Attached is a letter from the company.

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 2017-07-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Modification Agreement was completed XX/XX/XXXX, over one year ago, but the lis pendens against my house was never removed. When I called HSBC Bank about lifting the lis pendens they told me that they have no information in their computers because they sold it to XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX representative XXXX, a very pleasant and respectful individual. XXXX confirmed that the modification agreement was complete in XXXX of XXXX, and that all payments have been received in accordance with the modification to date. I informed XXXX that according to the New York Department of Financial Services ( DFS ), the lis pendens must be lifted within 90 days of finalizing a modification settlement, which is now more than a year overdue, and that I want the lis pendens lifted immediately. XXXX said that he, and his Supervisor would take care of it. I followed up with a letter to XXXX ( copy attached ), dated XX/XX/XXXX, and they sent me a response dated XX/XX/XXXX that even though the foreclosure part of my Court case is over, HSBC will not remove the lis pendens against my home unless I drop my countersuit. I have attached the two letters, and DFS press release information. I do not think the DFS intended for lis pendens to be used as blackmail against homeowners by putting a public lien on their home for all the world to see. I need the lis pendens release according to DFS consumer rights press release.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have a debt on my credit report from National credit systems for {$100.00}. I called onXX/XX/XXXX @ XXXX to negotiate a settlement on the account. The initial lady I spoke with said she would transfer to a rep. The lady by the name of XXXX was very rude. She violated my right under the FDCPA because she did n't read the XXXX to let me know she was attempting to collect a debt. I asked to speak to a supervisor and she told me that she was the supervisor and she was not going to transfer me to anyone else. I was trying to ask additional questions about my account and she hung up in my face while I was still speaking. I was not able to get my account resolved and my rights was violated! I called and left a message on her manager ( XXXX XXXX ) voice mail and I have n't heard anything back from him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Army and Air Force Exchange Service
State: FL
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2017-07-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
One echeck transaction that did not show on my 5/3rd bank checking account XXXX XXXX by XXXX EST suddenly appeared at XXXX the same morning as two echeck transactions that were posted on Friday XXXX XXXX. The two transactions were paid inmediately by funds that were deposited by my employer direct deposit and during non business hours. 5/3rd bank charged my checking account with two NSF fees of {$37.00} dollars each days after, they claim they could not refund the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked Capitol One three times to remove my number from their call list ... because I did not owe them any money ... they are calling for someone else.

Company response to consumer: Closed with explanation