BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: SC
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Employer : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: BB&T CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
never received notification or not enough info to verify

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 2021-01-05
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield ( a debt collection agency ) is attempting to collect a debt which is not truly owed, and multiple attempts to clarify the situation with them and their client have been received with indifference and a lack of action to correct the situation. 

Hunter Warfield is collecting on behalf of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, CO XXXX ) where my brother was renting. He terminated his lease early after the landlord failed to repair a serious sewage issue which violated both Colorado State Law and the lease agreement. Despite this contract violation, XXXX XXXX charged him early move-out fees which they sent to Hunter Warfield for collections. 

I have attempted to clarify this situation on the phone and in writing with both Hunter Warfield and XXXX XXXX, however Hunter Warfield has refused to consider the veracity of the claim. I additionally disputed this claim with all three credit agencies who did not remove the claim from my credit report, despite my providing written documentation proving the claim was inaccurate. 

It's sad and unfair that the credit agencies automatically side with a collection company which has no proof other than their claim while I have provided copies of contracts and written communications proving there is no debt to be collected.

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 2017-02-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I recently learned from a collection agency ( XXXX ) that the balance on one of my XXXX accounts was not paid in full and was charged off. XX/XX/XXXX, I moved from XXXX, XXXX to take a position in XXXX, XXXX and I filed a change of address form with the U.S. Postal Service. All of my other mail was processed correctly, somehow this account 's mail was never sent to me at my XXXX address. 
When I moved to XXXX, I applied for and received a new credit card with a new number ( ending in XXXX ) from XXXX XX/XX/XXXX. However, when I made purchases from the XXXX store in XXXX, XXXX in the amount of {$160.00} the clerk must have charged an old account. I gave the clerk my SSN and driver 's license and she charged the merchandise to what must have been an old XXXX account. All billings for the {$160.00} purchases were sent to my old XXXX address. I never received a late notice or a notice that the account was going to be charged off. 
I never received any type of billing notice from XXXX or XXXX. If I had, I would have paid it promptly as I always have. I have over 25 years of clean credit, there is no reason I would have not paid the bill. I have at least paid off XXXX mortgages over the last 20 years! I do have many accounts in order to run a property business so I pay a voluminous number of bills each month. 
XX/XX/XXXX or XX/XX/XXXX, XXXX sent the account ending in XXXX to collections as a " charge-off. '' Had XXXX not been negligent and made a " reasonable inquiry '' into my current address/phone number/email, they could have and should have notified me before " charging off '' my XXXX account. I have numerous accounts with XXXX as well as XXXX Bank which indicated my current contact information. I believe XXXX and XXXX acted in BAD FAITH. 
I have asked the bank and XXXX to allow me to pay for the products I purchased in full. They will not communicate with me other than to say the account was " charged off. '' I am asking that they waive or deduct all of the fees charged as it was their negligence that the charges were charged to an old account and I was never notified of the billings or the charge off. 
Ironically, XXXX is still sending me new credit cards and " hoping I will do business with them. '' I will never use XXXX or XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, reporting as " XXXX XXXX XXXX '' is reporting old debt as new. Old debt of {$2900.00} is more than XXXX XXXX XXXX and should not be reported to credit. Said delinquent date is from XXXX. I then reopened a new line with XXXX in XXXX and have had the same line since. They are now reporting old debt is new and marking delinquent date of XXXX instead of XXXX. I have written them several times to dispute and instead send me negotiations. When I call them they give me a run around and representatives hang up on me. I have tried every way and no success. 
I have uploaded a picture so it can be seen that I currently have a line open with XXXX and it is my current phone number. Also, please note account number. Old debt has different phone and account number. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been contacting XXXX/navient for years to get income sensitive repayments. I was always told I do n't qualify and instead should do a forebearance which would still have interest accrue causing my loans to be higher while making no payments. I still need my payments reduced and nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/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 explanation
Consumer complaint received 2017-02-08
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Talked to XXXX XXXX XXXX XXXX XXXX at Quicken loans who is supposedly a senior mortgage banker about getting a mortgage. I told him I wanted to be able to pay the mortgage off quickly with no penalties. He told me that when most banks sell mortgages to other banks, the new bank can change the terms, including charging huge fees if you pay it off early but that Quicken does n't do that. I said I do n't believe that is true and that I did n't want to do business with a person who lies. I just think it was unethical and he should be reprimanded in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experian Credit Bureau charged {$21.00} on XXXX/XXXX/16 and {$39.00} XXXX/XXXX/2016 to my XXXX XXXX XXXX. This is excessive charges that I would like to dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I mailed a certified letter to Experian, in regards to an account on my report. The account is XXXX XXXX, account # XXXX. I had mailed XXXX XXXX XXXX, on XXXX XXXX, XXXX, and letter was received XXXX XXXX XXXX. Before I mailed the letter, I attempted top send XXXX emails. All were returned as no email address on file. I received a response back, from XXXX, stating my letter was received by email, not by mail. Also, in the letter, XXXX stated the matter could not be looked into, as there was no new and material evidence. I beg to differ, as to which, I have been requesting copies of mortgage statements, for the life of this account. My main disagreement, being which if I was sent copies of escrow statements, dating back to XX/XX/XXXX, the billing statements must be in their possession. I mailed the letter ( s ) to Experian, and I received a follow-up letter, stating the matter can not be looked into, as it is considered as frivolous. Also, upon contacting Experian, on XXXX XXXX XXXX, at XXXX EDST, the call was disconneced after being on hold for well over 10 minutes. I feel as XXXX is hereby refusing my requests, as well as attempting to cover up the billing errors that occurred in XX/XX/XXXX, XXXX. This account was disputed in XX/XX/XXXX, and XXXX change it from being late, to paid as agreed, never late, at that point in time.

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 2016-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The XXXX XXXX XXXX account XXXX is stating High Balance of XXXX and saying the card went over the limit and that information is incorrect and this info needs to be updated ASAP. This has dropped my score XXXX points and I should be removed off this account as an Authorized User.

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 2021-01-06
Company: Experian Information Solutions Inc.
State: MO
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:
There is a XXXX account on my credit report that is reporting incorrect. My credit report is showing three different dates of last activity. All three dates can not be correct. This means that my credit report is not accurate.

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 2021-01-06
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My previous attempts with obtaining valid information on online disputes, written disputes and telephone disputes have been unfruitful and the information that I have requested, has not been received, I have attempted on numerous occasions, via online dispute, mail and telephone calls, to obtain all information Experian used to validate/verify an erroneous account listed on my credit profile - XXXX XXXX card. I have asked them to provide me with all methods used to validate/verify this debit, without success. Attempts to verify this account with Experian have been unfruitful. The other two credit bureau 's, XXXX  and XXXX  were unable to verify this erroneous account belonged to me and promptly deleted the account. Attempts to have this erroneous account or deleted by Experian have been futile. I have been the victim of identity theft and have been fighting with erroneous information on my accounts, for the last two years. I am at my wits end, as this erroneous account has lowered my credit score, has prevented me from obtaining additional credit and gainful employment. I am at my wits end with Experian 's lack of response to my letters sent in 2020 ( XXXX, XXXX, XXXX ). My last recourse is to speak with legal counsel if they can not provide validated/verified proof that this erroneous account belongs to me, along with all methods used to gather data.. I want Experian to provide to me all information, data and and efforts used to validate/verify this debt. If they can not do so, then this erroneous account, must be deleted from my credit file.

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 2023-01-31
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi Bank Miles Ahead Savings Account. I was supposed to receive XXXX XXXX XXXX XXXX  miles after depositing at least {$10000.00} in funds and keeping the funds deposited in the account for a requisite period of time ( I was told by a representative that I needed to keep the funds in the account from XX/XX/XXXX to XX/XX/XXXX ). I withdrew the funds on XX/XX/XXXX. I kept the funds in the account for the requisite period of time but never received the bonus. I have used the live chat feature to discuss the bonus having been never received on numerous occasions. Finally, the representative opened an investigation on XX/XX/XXXX. The following details were provided : For your records, YOUR CASE ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We appreciate your patience and understanding during our research process. 

I have called to check on the status and each time, they say to please allow for extra time ; that the case is still pending. At first, they said it would be completed in five business days. Now they said 30 business days. Most recently, one employee said to allow for two more days. They say they have escalated my concern, but I have become convinced that they aren't doing anything. They keep punting this down the road and I am tired of it. I, along with others, qualified for the promotion and they are withholding the airline points, likely to the benefit of the company strategically.

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 2017-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. 
This was scheduled to be on record until XX/XX/2017.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have frozen my credit with all credit reporting companies. I have tried to login to both XXXX and TransUnion to check my account and to change my password. I am unable to login to my accounts. Both companies say that I have no accounts with them. This does not make sense, as I know I froze my accounts. I tried contacting the companies via their website but could not go forward since the companies do not think I exist. I tried calling their various numbers but since I do not exist I can not access my accounts. I am unable to get a live person in access to my account because talking to a person is not an option.

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 2016-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and are currently in the middle of a loan modification work out with Select Portfolio Servicing. We have been resubmitting all of the same paperwork for the last two and a half years and we still ca n't get a closure from this lender. 
Now our loan is being transferred to a new servicer on XX/XX/2016 and SPS our current servicer put a foreclosure sale date on our property of XX/XX/2016. 
Hears the unethical business act that SPS is doing to us, we are currently in the loan modification workout dept. 
We really need help stopping our Foreclosure Sale Date on XX/XX/2016. We have followed every request and guideline from SPS and now we are going to lose our home because of the lack of knowledge and again the unethical business practice that SPS feels they can get away with and nobody will file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
An unauthorized charge appeared in my account. I disputed the unauthorized charge and the bank told me that it will take 60 days to complete it 's investigation, but has not credited my account. I contacted them after 2 weeks past and asked why they have not issued a provisional credit yet and they told me they do not issue provisional credits, that I would have to wait until their investigation is complete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed a collection on my credit report by Diversified Consultants from XXXX, FL. I had never received any information from them regarding alleged account, so I sent them a letter on XXXX XXXX, 2016 asking for verification and giving them my current contact information. I never received a response. I then disputed with the Credit Bureaus asking that they help verify the information or delete the account. The information came back verified, but as a paid collection with zero balance. It was then changed back to having the original balance and a status of " derogatory ''. I still to date have never recieved any communication from this company, nor have I ever paid or had a business relationship with them. The credit report states that the account was from a previous XXXX bill and I have verified with XXXX directly that I have no outstanding balances with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: NC
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 been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation