BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-19
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collection reported a debt for {$1400.00}. I disputed the debt in XX/XX/XXXX and it was found to be accurate, with no proof. The company then changed the account open date to XX/XX/XXXX. This is completely fabricated. They have refused to respond to my attempts to get proof of this debt, including the date. This company changes the open dates on accounts to keep them from reaching the 7 years. My credit score dropped XXXX points in one day when they falsely changed the open date to be more recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I opened an account with XXXX XXXX when I lived in XXXX during the XX/XX/2014. I moved out of the apartment and back to XXXX during the XX/XX/2014. In XXXX, I received a bill from XXXX regarding a balance on the account. I paid the balance in full and closed my account. I never heard from them again. It is almost a year later and it is registering on my credit report that I have an amount out on the account that has gone to collections. The company has acknowledged the fact that I called to cancel my account in XXXX. If this is the case, how am I carrying a balance on an account that was paid in full and the account was closed? I paid the amount because I do n't want it on my credit history, but I did n't allow the account to go into collections. They did it without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX, XXXX XXXX, South Dakota which comes back to XXXX keeps pulling my credit report several times within a few weeks. I have not applied for any products with this financial institution and do not have any and have never had any products with this financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans XXXX my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX law firm and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the seven year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern ; A few weeks ago, I noticed multiple issues reporting on my Experian credit report ( monitoring ) that were both fraudulent and inaccurate and contacted Experian 's Fraud department to dispute these items. Here is a breakdown of these items on my credit file : INQUIRIES XXXX - XXXX/XXXX/2016 ( FRAUD ) XXXX - XXXX/XXXX/2016 ( FRAUD ) XXXX - XXXX/XXXX/2016 ( FRAUD ) I do not understand why this company XXXX ' continues to have my credit pulled. I have called them multiple times concerning the first time they did this XXXX. They stated that someone had applied for an apartment lease. The same was told to me yet again when this occurred now for the second time just one week ago. I am currently in corporate housing through my employer and will continue to be until XXXX XXXX, 2016 when my contract runs out. Henceforth, I am certainly not looking to rent apartments on both Coasts in XXXX and California. One of these inquiries was for an apartment in the XXXX area and the other was for an apartment in the California area. I want for these to be disputed as fraud please. As for the XXXX XXXX inquiry, this too just apparently happened. I am unaware of why this was pulled. After speaking with XXXX, they told me that my credit was pulled concerning an attempt to open an account. I explained to them that this was not done by me and to please remove it. I was told that they do not remove any inquiries for any reasons whatsoever. 

ACCOUNTS : XXXX XXXX XXXX XXXX CREDIT CARD Acct : XXXX Opened : XXXX, 2016 Limit : {$5000.00} Balance : {$4900.00} While I am not disputing this account as fraud per say, I am disputing that this card was in fact used to make unauthorized transactions on several websites including ; XXXX and XXXX just to name a couple. I have spoken with the bank on multiple occasions and have even contacted Experian. At this juncture, the balance being reported is inaccurate because of these charges. So, in summary the account itself is mine but I have had multiple unauthorized charges on both this account and a couple of others that I had with XXXX and was forced to close those down to protect myself. 

I certainly appreciate all of your help up to this point. You will see that upon further research, I have been a victim of identity theft and have dealt with these issues all year at this point. However, I am at least making some headway in trying to clean up what has happened. Please feel free to call me anytime at XXXX if you need further information from me in order to help expedite this process. 

Regards, XXXX 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 2015-08-19
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 a complete short sale packet was sent to the lender. We followed up daily to see if there is a status update on the foreclosure sale date postponement. EACH time, they were having difficulty authorizing agent XXXX XXXX XXXX and took several minutes to dig through and find the authorization sheet. Every update they gave XXXX XXXX was indicating that docs are in and under review. It took more than a week for them to simply let us know they needed bank statements dating back to XXXX and to advise they did n't receive forms ( RMA, HUD1, Articles of Incorp, and XXXX ) to which we definitely sent and have confirmation of submission. They are very unorganized and are showing lag in response time which is resulting to our foreclosure sale date approaching quickly ; as a request to postpone has yet to be placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I overpaid Discover Student Loan Services ( {$2000.00} ) and have been getting the run around trying to get a refund. It 's been over 70 days since I gave them notification ( e-mail and I have a solid paper trail ) and I continually get " the check is in the mail ''. Any suggestions?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: DISCOVER BANK
State: LA
Product: Credit card
Issue: Payoff process

Complaint:
I signed up for 3 automatic payments with discover card to bring my account current. After 3 months i was sinstructed to call in or make manual payments. After the 3 months my account was not current. I asked why. Discover said that i didnt get the full amount credited to my balance because i had been a part of the program the prior year. Therefore the interest and late fee charges still applied. AboutXXXX of XXXX dillars was going to my past due balance. When i complained, Discover told me there was nothing they could do.XX/XX/2016 money was automatically withdrawn from my account. Now XX/XX/2016 XXXX dollaars was taken from my account. When i call to complain they also tell me tbere is nothing they could do because there was no notation in the system stating that i wanted to stop payments. However the original agrement was that i only pay for 3 months automatically and then i would switch to manual payments ( hence no automatic payment occurring XX/XX/XXXX ). Im HIGHLY upset.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
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:
I'm asking you to adjust this suspicious data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Open Dealer Exchange, LLC
State: CA
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:
My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. 

The dealership ran the credit app againts XXXX different institutions. 

I have locked all my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax and XXXX have denied my request to block the fraudulent information reporting on my credit file resulting from identity theft. Pursuant to section 605B of the FCRA, any information resulting from such identity theft must be blocked. I included my affidavit and police report as well as my identification. These items do NOT belong to me and I did NOT open these accounts or ever apply for an account : XXXX XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section XXXX of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA These inquiries are resulting from fraud : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
When I finally locate the on-line credit dispute electronic form it will not honor the completed electronic dispute log-in page. This is a clearly intentional!! The CFPB should interrupt this website and advise customers to go directly to the paper process as the website is not functional & gt ; But you already know this!! if some consumers are successful then it is a lottery thing. 
What are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propaganda what are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propagandahave several try and confirm what I believe is be the case = independent evaluationXXXX XXXX cell XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I mailed a dispute to Transunion on XXXX/XXXX/2016. Approximately one or two days later I discovered another Separate Issue regarding a distinctively different account on my credit report. As such I filed a Second Dispute regarding a totally separate issue. 
I received a letter from Transunion stating that they received a dispute from me on XXXX/XXXX/2016 and " ADDITIONAL INFORMATION '' ON XXXX/XXXX/2016 AND THEREFORE THEY WILL BE ADDITNG 15 DAYS TO MY INVESTIGATION now ending on XXXX/XXXX/16. 
The second correspondence was not " additional information '' and was completely unrelated. I am applying for needed credit and need these matters resolved within the time frame allotted by law. My disputes should be resolved by XXXX/XXXX/2016. 30 days not 45 days. 
Thank you. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: TX
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2015-04-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I also have issues with XXXX XXXX bank where there was settlement in agreement they remove there information from my credit reporting. That was purpose of doing settlement since they had wrong information and I never miss any payments. The XXXX Bank smart connect have me down highest balance XXXX that 's incorrect its a lesser balance XXXX. My credit score did n't go up since made my last payment to XXXX smart connect. Im trying to get my credit score credit should be showing much higher score XXXX. I would like Department Education to be remove off my credit report because past statue limitation that can be shown on my account thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX a.k.a. XXXX tried to collect a debt ( {$100.00} for one month 's service ) through XXXX XXXX XXXX XXXX. I sent them a letter explaining the situation with the following information : The is a notice to inform your company that the debt being claimed by the creditor ( XXXX XXXX ( XXXX ) Account XXXX XXXX XXXX is invalid and lacks accuracy. Facts in the case are as follows : 1. XXXX billed for services NOT rendered. Those services were internet at a premium speed ( a $ XXXX. value above basic service ). A promotion of $ XXXX. off for 2 years. A total value of {$360.00} which should have been credited to the account. 
2. XXXX deleted from their records complaint calls regarding slow or intermittent internet. 
3. A XXXX sales representative promised to credit the account for the missing promotional credits. 
4. It was discovered that XXXX had reduced the ability of the modem to operate at the faster speed. The explanation from the tech department the speed was a result of being too far from the hub ( an admission that the speed promised could never be achieved and should have never been billed for ). This was a false statement discovered on further investigation that the modems size of packets had been reduced 50 % from the machine capability. 
5. The equipment was returned prior to the billing cycle. Thus, services were not rendered. 

The matter seemed to be dropped when no other correspondence being made after that. Now a new collection company appeared in XXXXXXXX XXXX XXXXXXXX. They were trying to collect a monthly service that was easy to show it was paid. They, I.C. System Inc., ignored blatant proof there was no debt owed and proceeded to file a ding on 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 2023-03-29
Company: Experian Information Solutions Inc.
State: TX
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$760.00} This compliant is my follow-up to ensure that the listed accounts are validated

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 2017-02-17
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus Inc. has told us that our loan is a XXXX loan, and that their company ONLY services XXXX loans. I have proof attached that this is NOT a XXXX loan FROM XXXX. My loan needs to be returned to XXXX as Seterus falsely purchased it as a XXXX loan, as it is NOT a XXXX loan. Certified letters to Seterus and faxes have gone unanswered and ignored for months. Seterus has a terrible reputation and I do n't want to deal with this company, in particular since they have no business owning my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
debt buyer, out of date debts must be part of those ) XXXX XXXX XXXX is the firm and XXXX XXXX is their attorney of record. I have just received a notice of a civil suit and am answering that at this time. The account that they bought is over 6 years old and closed, although I have no idea about what account it is since I have not received any communication from them that I know of until being served with a civil suit. The original creditor was XXXX according to the papers and the last payment was made, according to the suit on XXXX. I have filed a report with XXXX, the Attorney General of Oregon, and the Consumer protection agency. According to Oregon state Credit card XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX ( Oregon Court of Appeals Docket XXXX XXXX XXXX, 2012 ) and XXXX XXXX XXXX XXXX XXXX XXXX ( Docket XXXX XXXX XXXX, 2012 ) Spoken contract XXXX Written contract 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 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Disputed information with credit bureau because information was disputed with agency first and they did not validate nor respond and credit bureau still lists as verified without proof.

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 2015-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation