BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my Chex Systems Reports ( even up to now ) there shows a balance due to XXXX XXXX for {$800.00} ; this balance due has been discussed with XXXX and resolved as arising out of fraudulence and XXXX XXXX HAS XXXX OUT THE BALANCE DUE = THERE IS NOW NOTHING DUE TO XXXX, I CAN OPEN A BANK ACCOUNT AND AM IN GOOD STANDING. 

I have written Chex Systems regarding this to update and remove me from their list, because XXXX has XXXX out the old balance and I no longer owe anything ; I have provided lettres written to me by XXXX and everything - yet Chex Systems claims that they have called XXXX and verified the debt as still open and not resolved, they have also claimed that the letters I have forwarded them are not valid/legit/altered, and refuse to clear my name and remove this from my report. 

I am now attaching yet ANOTHER letter that I have received faxed over DIRECTLY from XXXX - in which one can CLEARLY read and see that everything has been XXXX out resolved. 

Chex Systems DOES NOT have the right to claim that the writing is not clear, CAN NOT claim that this is not a valid lettre, and XXXX has commented several times to me before that they can find no record of Chex Systems EVER having contacted them to validate my case ( and that if they had of done so, the entrance in Chex Systems would have been corrected/removed ). 

Chex Systems, like any reporting agency, must follow the rules of the FCRA regarding anything that is reported and then rectified due to Fraud/ID-Theft. Per the FCRA regulations I demand that Chex Systems stop playing games and, per the FCRA regulations, YOU - CHEX SYSTEMS - IMMEDIATELY OBEY the law and remove this XXXX entry from my report per the letter attached and per discourse with XXXX VALIDATING/VERIFYING that the unpaid balance has been resolved to XXXX and satisfied. 

YOU, CHEX SYSTEMS, ARE OBLIGED AND MUST obey the law - I do not know who you think you are, but if you do n't update my file appropriately and with the proper expedience ( within 4 business days, per the FCRA regarding cases of Identity Theft/Fraud ) I 'll pursue you in court with my lawyer in XXXX as well as a local attorney there in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: MI
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:
Incorrect Status being reported on by Experian CRA.     Entry by    XXXX   XXXX   XXXX    : Owed {$340.00}  XXXX   XXXX     XXXX   XXXX   XXXX     XXXX , NH  XXXX  Credit reporting agency is documenting a claim by    XXXX   XXXX   XXXX    on my credit report that I owe  XXXX   XXXX  a balance of {$340.00}. This amount has been paid to  XXXX . My bank is reporting this as rebilled (  XXXX   XXXX ,  XXXX  ) and paid by me to  XXXX .   The original payment was made by Credit Card  XXXX   XXXX   XXXX ,  XXXX  ), disput ed (   XXXX   XXXX ,  XXXX  ) and the dispute w as withdrawn/rebill (   XXXX   XXXX ,  XXXX  ).      XXXX  Contact by me :  XXXX   XXXX ,  XXXX  letter  XXXX   XXXX ,  XXXX  Letter Experian CRA falsely reported unpaid  XXXX  balance was disputed  XXXX   XXXX .   No action taken returned to me by Experian  XXXX   XXXX , I possess and presented Experian proof of payment.     Submitted credit card statement showing rebill for {$340.00}.

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 2016-12-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine and I have no knowledge of said debt. It is reporting to credit bureaus which is negatively affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On Tuesday,  XXXX   XXXX ,   XXXX  . I received via email a solicitation for an  Express signature loan with BBVA.  I went ahead and filled out the information, requesting  XXXX  for debt consolidation. I was immediately approved and given the option to choose the length of the loan, payment due date for automatic debit and it also provided the interest rate. After I viewed that page it another page came up stating for me to take my loan details to a branch to finish and have disbursement completed. Well I put in my zip code and there is not a BBVA branch within  100  miles of my location which is  XXXX . I contacted customer service immediately and explained the situation. They also saw where I was approved for the loan but also stated the same thing the closes branch is  a 5 hour drive for  me. The person I spoke to that day requested my phone number and stated her and her supervisor where going to reach out to a branch and see if the paper work could be sent by mail or even for me to sign electronically. I said perfect. I did not hear back from them all week. I contacted BBVA again on Monday  XXXX   XXXX . Explained everything to a new person. she did see all the notes and tells me I can open a checking account with them and then they could just transfer the money of the loan into that, I aid perfect if that 's what 's needed no worries. We went ahead and opened the checking account with the rep on the phone. She places me on hold and came back several times stating that was not working either, That the fulfillment team was trying to transfer the funds into the checking account but it needed my signature. I explained again I have no problem going to a branch there is just none by me. So after being on the phone for abou t 2 ho urs they stated they needed my signature, so after being approved for the loan, opening up a checking account I do not need I still can not get my funds for the loan. I really do need this loan to consolidate my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have submitted copies of the police report, FTC Fraud affidavit, statements, letters, etc. numerous times. I have made numerous attempts to contact these agencies, creditors, companies in reference to accounts that were opened in my name, credit inquiries in my name, apartment that was leased and broken in my name and have not gotten any closure. I am unsure of what else this credit reporting agency is wanting from me and as I have sent copies of my driver 's license, social security card, copy of my old apartment lease, copy of bills, etc. along with the other items and have even asked them to update my telephone number on my report as I have not had the number listed over 10 years. My number is XXXX. This has been ongoing for many months and I am at this time upset with the last XXXX envelopes that I have received. I have attempted to notify all creditors, dealerships, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, etc and have had no success. Yet the credit reporting agencies, all except XXXX, is making my life a living XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On today,   XXXX   XXXX   XXXX     I received a call at  XXXX  to my cell phone and  XXXX  to my work phone by someone stating they were  XXXX   XXXX   XXXX  He did not provide a company name or any information as to the nature of the call. He stated he had my name and SS # and I could reference number  XXXX . He stated that he had been " retained '' and my information has been " presented '' in his office. He threated to come to my residence or place of employment to " gather information ''. Since a company name or reason for the call was not provided, I searched for the  XXXX  number left in the message and it matched to  Oracle Financial Group LLP  ; a debt collection agency. At no point in the message was it stated that the call was in relation to an attempt to collect a debt and the call is originating from an " Unknown '' number. It should also be noted that I have not received anything in writing from this agency in regards to the nature of their business with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: WELLS FARGO & COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On  XXXX   XXXX ,   XXXX   I filed an unauthorized dispute for transaction  XXXX  on my CC. This transaction occurred at a gas station on the West coast. I live in  the Midwest and   have not used that card on the  West  coast ever. Their fraud models missed the clearly inconsistent activity of this card use.     Although my account is completely services online, I was sent a physical letter requesting additional confirmation from me that the transaction was unauthorized. The letter required me to check a box and sign it. Then mail, fax, or drop off a copy of the letter at a branch.     I called into the customer service center to verbally report the unauthorized transaction on  XXXX   XXXX ,   XXXX  , and I was once again told I would need to do this additional step to report the transaction.     Considering all other aspects of the account are serviced online, this additional physical letter requirement to file a dispute, appears to be an intentional deterrent to filing a dispute. The entire dispute process should be able to be done online.

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 2017-05-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for PayPal Credit in XXXX XXXX, 2017. I was denied. I called and was told that they needed to verify income and that i would receive an email with a link that would take me to a site to input the pending income information. The email arrived with the link broken. No way to get to this site. I called and was told that i would have to wait 10 days for a letter in the mail that would provide a new link that would work. The letter arrived and the link still did n't work. I called and wrote PayPal and  i get the run around. Nobody can do anything. According to their support people the whole process is system based and the humans cant do anything. I have a credit application that should have been approved on the spot ( 750 credit score ) yet I am going in circles trying to get anyone to show me where to send the income information to complete the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: Continental Finance Company, LLC
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Due to the conversion of the Matrix XXXX account to the Matrix XXXX my credit report is reflecting XXXX open accounts with a Credit Limit of {$300.00} each. The XXXX open accounts are hurting my credit rating. I requested Matrix please contact the XXXX credit bureaus and request the CFC ( Matrix XXXX ) account be removed or updated. Please see the attached documents. Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XX/XX/2016, I contacted XXXX and had a security freeze on my information with them. On that same date, I opted out from reports in the XXXX system. On approximately XX/XX/2016, I sent correspondence to Equifax inquiring about a Chapter XXXX bankrupty listed on my credit file. I stated that " Due to Civil Case No. XXXX, XXXX , Et Al., v. Equifax Information Service , LLC, I do not know the source of your information on the bankruptcy you have listed on my account, and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). '' I asked Equifax to send confirmation within 15 days that the bankruptcy had been removed from my credit file. Instead, Equifax claimed to have " confirmed '' the bankruptcy using information XXXX data on XXXX XXXX, XXXX, even though I had placed a security freeze on my XXXX data almost a month prior to that. I am asked that the Consumer Financial Protection Bureau investigates this matter and mandates that Equifax removes their bankruptcy from my report, as they are not reporting truthful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested my free annual credit report from all three companies but only received one from XXXX and it was full of errors, appearing as if my credit was combined with someone elses. I could n't access XXXX or Equifax because the security questions asked for me to enter were based on someone else ( addresses I have never lived at, accounts never opened etc. ) I do n't think anything was stolen or my identity taken but it definitely needs looking into.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I forward a letter to Equifax on XXXX/XXXX/2015 ( certified XXXX ), no response from the company. I have disputed several items on my credit but have not heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I had settled for a XXXX dallor pay off on a motorcycle from XXXX through HSBS bank and have n't heard nothing back in a month or so and still showing I owe for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax ( including XXXX and XXXX ) has not increased my credit score where it should be after items removed, XXXX collections, and XXXX open accounts in good standing. Which brings me to discuss XXXX that has been in dispute all year with no responds or corrects. Equifax states their sore calculations is base on the last 3 years. They state XXXX report on my credit XXXX missed payments, and XXXX missed payments BUT shows a grid that have good standing payments for a year and a half..an the years XXXX in a " XXXX '' ( unknown ) that effects my score. In XXXX and XXXX I was in a program with XXXX XXXX for modification of my mortgage which clearly states that your mortgage will be denied modification if you make any late payments. I completed the program successfully without no late, or missed payments but Equifax, XXXX, and the other XXXX credit bureaus will not correct it. Also Equifax will not remove any and all accounts that 's paid and closed with a XXXX balance..My score should not be XXXX. It should be in the XXXX. Equifax investigation is not including demands for XXXX to explain the " XXXX '' unknown.they have reported and being dispute since XXXX with no results but still Equifax reports it as a negative items that keeps my score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax refuses to remove a waived/recorded tax lien release when XXXX and XXXX have promptly done the same. The tax lien release was released under the IRS Fresh Start Program, intended to give tax payers a " Fresh Start '' and ability to clear their credit report. Equifax 's actions are inconsistent with the IRS program and seem to be a rogue agency, inconsistent with others in the industry and may violate my rights. I understand they continuously refuses to delete these types of items for consumers. I will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my credit recently and found these inquires and none of them are authorized by me. I sent letters to all XXXX credit bureaus asking them to be deleted and nothing has been done. 

1. XXXX XXXX - on XX/XX/XXXX 2. XXXX XXXX - on XX/XX/XXXX 3. XXXX XXXX - on XX/XX/XXXX 4. XXXX XXXX XXXX - on XX/XX/XXXX 5. XXXX XXXX - on XX/XX/XXXX 6. XXXX - on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX -on XX/XX/XXXX 9. XXXX XXXX XXXX - on XX/XX/XXXX 10. XXXX XXXX XXXX - on XX/XX/XXXX 11. XXXX XXXX XXXX - on XX/XX/XXXX 12. XXXX XXXX XXXX - on XX/XX/XXXX 13. XXXX - on XX/XX/XXXX 14. XXXX - on XX/XX/XXXX 15. XXXX - on XX/XX/XXXX 16. XXXX - on XX/XX/XXXX 17. XXXX XXXX - on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX 19. XXXX - on XX/XX/XXXX 20. XXXX XXXX - on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: Stallings Financial Group, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was alarmed when " Late Payment '' notifications began appearing on my XXXX Credit Report in XXXX 2016. They were listed as a collection by Stallings Financial Group, on behalf of XXXX XXXX XXXX XXXX ( XXXX in the state of XXXX ). I am not their patient nor am I a resident of XXXX. I 've lived in XXXX for four years, and XXXX for two years before that. Three separate attempts to contact Stallings Financial via the email listed on their website were ignored. I contacted XXXX XXXX directly, and they expressed interest in helping me resolve the error. XXXX, a representative of their office, replied to my message, and was successful in reaching Stallings Financial. XXXX instructed me to contact " XXXX '' at Stallings Financial. When I did so, " XXXX '' directed me to contact a different number. When I attempted to reply to " XXXX '', her e-mail suddenly came back as " undeliverable ''. A subsequent attempt to contact the generic information e-mail listed on their public website regarding the disappearance of " XXXX '' returned another " undeliverable '' error message. I 've never received a " letter of validation '' for this debt, and my attempts to request one are being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax deleted then re-inserted a collection account that is not mine. 

Please see former complaint. I will copy and paste the info for your review. 

Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The XXXX account XXXX has been deleted from the credit file. Written confirmation has been mailed. 
Relief XXXX account for XXXX XXXX XXXX has been deleted from the credit file per the credit grantor. 

Response *Equifax reviewed the complaint, its records and initiated a reinvestigation. 
*Equifax did not receive any additional communications from the consumer during the review of the complaint. 
*Equifax will mail the results of the reinvestigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax refuses to adjust the account with State of Oregon Child Support, account # XXXX, from what is currently showing as a monthly payment amount of {$2800.00} to {$0.00}. The correct monthly payment amount is {$0.00}. Equifax claims that it has verified the monthly payment amount, but this is not so. The correct monthly payment amount is {$0.00}, and not XXXXXXXX has refused three times to correct this. See below, which I have cut and pasted from the State of Oregon Child Support Payment History web page : Payment History Log Out Print this page Help : Case Status Definitions Help : Case Status Definitions Obligee : XXXX, XXXX XXXX Obligor : XXXX, XXXX XXXX Case Number : XXXX Court-Ordered Amount : {$0.00} Case Balance : {$1200.00} If you were expecting a tax payment and have not received it, go to Holding Tax Payments. 

If you are a title or escrow company, please contact the Program 's Title and Escrow Assistance Desk for the total owed on a case. 

Pending Payments : {$0.00} Enforceable Balance : {$1200.00} Status : Judgment Office Information : DIVISION OF CHILD SUPPORT XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX

Company response to consumer: Closed with explanation