BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was contacted by BB & T 's XXXXXXXX branch. In particular, I was contact by XXXX XXXX, the Mortgage Loan Office for BB & T at the XXXX branch. A number of years back I had financed a property with BB & T so, obviously, I was in their database for telemarketing. After a discussion with XXXX, I agreed to begin the process of refinancing both my primary residence and a rental unit. 

After providing all the documentation, I was assured by XXXX XXXX that I would have no trouble getting approved. I have over a XXXX in liguid assets, I earn XXXX per year plus bonus. I have an XXXX XXXX score, and a flawless employment history. So I was n't surprised by XXXX XXXX 's assurances that I would be approved. In fact, I could secure the loan with hard assets if needed ( I was n't asked ). After being assured by XXXX XXXX that there were no issues with my loan application, I decided to proceed with obtaining the necessary appraisals and paying the requisite fees. 

Incredibly BB & T denied the loan because I am currently working as a XXXX XXXX for a company in XXXX and not a XXXX employee. Prior to proceeding with the loan application, I submitted my contract outlining my fees ( XXXX per year + XXXX bonus. At no time, did XXXX XXXX indicate that this would be a problem. BB & T verified my employment agrangement with the company. So, based upon assurances from XXXX XXXX I proceeded with the loan application. The appraisals and fees were in excess of {$1000.00}. 

I firmly believe that XXXX XXXX 's actions were a gross violation of her fiduciary responsibility to advise me that a XXXX arrangement with a company would be a problem for their underwriter. I also firmly believe that their actions are reckless in pursuit of increasing their profits by failing to advise clients of the potential issues that may be raised for employment situations such as mine.

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 2021-01-12
Company: EQUIFAX, INC.
State: FL
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Remove accounts which are not belong to me.. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Bread Financial Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am 7 days late on a payment to Comenity Bank and they have called me multiple times today, Friday XX/XX/XXXX. They called at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. They are relentless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: PR
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:
In XX/XX/2019 we got to a agreement for me to paid the amount owned directly with a internal agreement lowering my monthly payment to XXXX a month for 60 months and they will close the account on my credit report as charged-off and not report more negative information to the credit bureaus and I have comply with my monthly payments ever since. They take it from my chase account as direct payment every month and they keep reporting to the bureaus that even do the account appears Charge-off is not being paid. They are hitting and damaging my credit score and opportunity to get a home. I cant believe that this Credit Union were I have other accounts that have been never been paid with delayed is working like this. I have called them every month and just pass me from side to side and tell me theres nothing to be done. Its not a fair lending practice from there end and they just dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX - My wife and I decided to switch from XXXX to XXXX XXXX XXXX. XXXX  service was very spotty when I was XXXX overseas. 

XX/XX/XXXX - We make the switch to XXXX XXXX XXXX and pay off our phone contracts with XXXX XX/XX/XXXX - XXXX sends an email asking us to return and promising monetary compensation for returning. 

XX/XX/XXXX to XX/XX/XXXX - XXXX continues to send us bills even though we remind them each time we have paid for our phones in full and paid our final bill. 

XX/XX/XXXX - I am informed that XXXX has sent the bill to collections. 

XX/XX/XXXX - Diversified Adjustment Service contacts us. I explain that the bill should have never been sent to collections with evidence XX/XX/XXXX - I begin the dispute process with the 3 credit bureaus. 

XX/XX/XXXX - XXXX  investigated and deleted the account from my credit report. 

XX/XX/XXXX - XXXX  investigated and did NOT delete the account from my credit report. They instructed me to contact CFPB with my evidence. 

XX/XX/XXXX - XXXX  investigated and deleted the account from my credit report. 

XX/XX/XXXX - Diversified Adjustment Service contacts us. I explain I have disputed the account, successfully have gotten it removed from 2 out of 3 reports, and I will keep working to get it removed from the third. Diversified Adjustment Service threatens us that they will keep shopping around the debt and keep reporting to all the credit bureaus if we dont pay. 

XX/XX/XXXX - My XXXX XXXX contract ends. I began the process of switching to the reserves to continue to serve my country. To do so, I am required to hold a secret security clearance. Having this account in collections threatens my clearance. I am very concerned I will not be able to provide for my family because of this false debt. 

XX/XX/XXXX - I received another collections attempt from a different company called XXXX  XXXX XXXX which leads me to believe Diversified Adjustments Service has followed through on their threat.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: MI
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 identity theft, I filed a police report back in XX/XX/2017. I sent each credit reporting agencies the documents to fix the issues of fraudulent accounts and inquiries. The reporting agency equifax has been giving me a hard time since XX/XX/XXXX of getting the information removed, I have sent them every document that was asked and still nothing has been done. I was told by them them that I can dispute the information a 100 times and it will still be the same result, I have been hung up on and spoken to very rudely, I have disputed the information more than 10 times. I would like to be treated like the victim and not the thief that stole my identity. This has went on long enough and has become a hassle in my life where I cant get anything due to what is being reported on my credit. I am just asking for the accounts and inquiries to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
State: PR
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:
In XX/XX/2019 we got to a agreement for me to paid the amount owned directly with a internal agreement lowering my monthly payment to XXXX a month for 60 months and they will close the account on my credit report as charged-off and not report more negative information to the credit bureaus and I have comply with my monthly payments ever since. They take it from my chase account as direct payment every month and they keep reporting to the bureaus that even do the account appears Charge-off is not being paid. They are hitting and damaging my credit score and opportunity to get a home. I cant believe that this Credit Union were I have other accounts that have been never been paid with delayed is working like this. I have called them every month and just pass me from side to side and tell me theres nothing to be done. Its not a fair lending practice from there end and they just dont care.

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 2020-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm currently working on identity theft. gov and they are asking me to follow the steps to file identity theft with my credit cards ( capital one and XXXX  XXXX  ). I've already tried to talk to the credit cards directly but nothing was working. so identity theft was the next step I decided to take. At this point, I don't really know what to do because in total iits around 6k in debt that i had nothing to do with. plus I'm afraid this going to affect my school loans or even purchasing a home. this is affecting my credit score horribly and I'm pretty much lost at this point. 

XXXX XXXX email- XXXX phone ( XXXX ) XXXX please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Sent written letter to XXXX/XXXX, Bank of America ( 2 inquiries XX/XX/XXXX and XX/XX/XXXX ) and XXXX/XXXX XXXX   notifying them that my XXXX credit report showed an unauthorized hard inquiry they had made and that I was not aware of. I requested that these inquiries be removed immediately this inquiry has been cited as a reason for me to receive credit. I also sent a copy of my XXXX  credit report showing the inquiry.

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 2021-01-12
Company: EQUIFAX, INC.
State: MO
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 mailed this letter off certified mail on XX/XX/2020 and I have yet to receive any correspondence from Equifax or XXXX. It has been over 60 days. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also, these accounts are unverifiable, invalidated, inaccurate, and 100 % false. If anything is reporting 100 % inaccurately it must be removed. I hope you find out whats going with this inaccurate information. Would you please clear this up quickly. A new credit report that reflects the updated credit report should sent. They should have completed an investigation within 30 days of receipt of this letter but they didn't and as a result this items must and have to be removed immediately. According to law unverifiable and inaccurate items must be removed and if you are unable to provide me with a verifiable proof within 15 days after your investigation, you must removed the accounts and or the information above. Also, I sent a letter to Equifax about and Incorrect, Unverifiable and Inaccurate Name and Address ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX ) and this must be removed because that's not my name nor is it my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have made repeated attempts via phone and in writing to contact Resurgent Capital Services regarding a lien they have on my residential property. They apparently have purchased the debt from XXXX, but will not disclose any information regarding the debt, like how much I owe, a promissory note, or loan documents. They tell me my account is 'on hold ' when I contact them, I am locked out of the website they recommend I use to get information, and will not discuss this over the phone because it 's 'on hold '. I 'm trying to refinance my mortgage and this lien is preventing me from obtaining the loan. At this point, Resurgent 's lack of response is affecting my personal livelihood and ability to continue to run my business. I am willing to negotiate with Resurgent, but they will not respond or discuss. Either I need to understand the terms behind the lien, or the lien needs to be released immediately to resolve this issue I 'm being held hostage by.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Support Collectors, Inc.
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the doctor XXXX/XXXX/15. I had a {$72.00} co-pay I owed for a dermotology visit. I intermediately paid it when I received the bill ; paid XXXX/XXXX/15. The doctor 's office took and cleared the payment. Then they say they ca n't find the payment. I called to clear it up. They said to fax in proof of payment. I did that. They submitted the account to a collection agency. XXXX/XXXX/15 I received a bill from the collection agency ; I have a collection company trying to collect on an account that has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : BankruptcyXXXX Case Number : XXXX ; XXXX XXXX XXXX  XXXX Account Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I requested a verification from Fair Collections & Outsourcing after noticing a collection notice on my report. Now they have listed the debt as late payment on my credit report. This is a communication tactic they are using to get me to admit and settle this debt.

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 2015-06-17
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX submitted a past due balance for services rendered my rental property ( service address XXXX XXXX XXXX XXXX XXXX XXXX ) to Focus Mamagement Receivables ( debt collection company ). The XXXX XXXX XXXX for the rental property states that services were not routinely rendered and disputed the charges with XXXX. Focus Mamagement Receivables Continued to contact me almost daily after I requested numerous times that they speak with my property management company that was handling the open dispute with XXXX. The company continually told me the amount would hit my credit XX/XX/XXXX if I did not pay. This is illegal as an account in dispute can not be added to credit reports as delinquent payments. I eventually paid the bill to stop the harassing phone calls as to avoid any damage to my credit. I am a military and any damage to my credit could reflect poorly on my security clearance/classification. I spoke with the property Managment company and they were never contacted and did not receive any letter coorspondance as Focus states they would do after each harassing phone call to me. This company is ethically bankrupt. They had no right to continue to harass me and make empty threats that they had no legal authority to follow through on. They lead me to believe that if the corporate level dispute I had with XXXX was not resolved in the next two weeks ( which disputes take months ) they would still damage my credit. Completely misleading me to pay for services that were not rendered.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, 2016 RE : Modification Agreement Sent Priority Overnight Received XXXX CFPB Please see CFPB Case No. : XXXX I attached a copy of the email I sent to Rural Department and their response, ( XXXX XXXX & XXXX ), they called this loan a " Traditional Modification '', not a USDA LOAN or a " Borrowers Assistance Loan ''. 
I previously sent copies of the complete document of the " 3 Month XXXX Trial Modification '' from Planet Home Lending. I only attached page XXXX ( XXXX mod ) of this plan, so you can see the 360 months vs 302 months listed in the Planet Home Lending " Modification Agreement ''. I do n't know how to amortize the unpaid balance, but I do not think the monthly payment should be the same. I have attached a compete copy of Planet Home Lending 's Modification Agreement ( pages XXXX through page XXXX ). 
Please review the document called " Limited Power of Attorney '' to correct and execute any typographical or clerical errors. I am not giving anyone power of attorney over anything I am responsible for. 

Could you please review this agreement, even though I did not sign it, I ca n't help feeling there are additional problems with this agreement. 
Thank you so very much

Company response to consumer: Closed