BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : 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 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. If the Credit Bureau claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file they maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Arcadia Holdings, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Arcadia Recovery Bureau rep called me today to ask me personal information such as to verify my addrees. to provide them with the year I was born, and I do n't know how many other questions in their list. 
The lady did n't say who they are, what they do or what are they calling me about. Instead they want me to give them personal information. 
I have nothing pending on my credit history, as I just got my credit pulled out last week and it was XXXX. 
This person who is calling in behalf of ARB is very aggressive and calls me during working hours at my office. Please make her to stop and as I asked her, to send me a letter. ( I asked her that, but she did n't understand )

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 2016-10-11
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I had a mortgage with Green Tree mortgage for approximately five years. My colleague at work had them during the same period and we both were moved DiTech. My colleague recently received a settlement check and I have not received mine. 
Thank you, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to do a short sale on my home in order to avoid a foreclosure, at this point I along with my realtor have done everything that Select Portfolio Servicing " SPS '' asked of us. 
We got a cash offer for XXXX. SPS 's XXXX. shows non comparable properties that are located in a different and more expensive neighborhood " my house is the second largest in my neighborhood '', which are XXXX TO XXXX above value. My realtor who has over fifteen years experience in this area sent comparable examples in the same neighborhood showing the accurate value, but these have been ignored. There is a foreclosure sale date scheduled for XXXX XXXX. I received a letter from SPS dated XXXX XXXX stating I would have an answer in fifteen business days which is today XXXX XXXX. My realtor speaking on my behalf called them today to inquire as to they 're decision, they said we would be told by the end of the month. 
When we mentioned to them that we would be contacting the CFPB they said we would have an answer by next Wednesday " XXXX XXXX ''. 
At this point I fear that SPS will turn down the short sale in retaliation to my complaint. 
Please help me to resolve this matter so that the buyer does n't walk, and I do n't have my house foreclosed. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
In XX/XX/2010 I was the victim of identity theft. 

The person or people had my name, date of birth, social security number, address, a credit card number, and a fake driver 's license. 

They attempted to get {$15000.00} from a bank in another state that issued the stolen credit card number but the bank did not give them the money. They then opened several consumer credit cards and bought things before I was able to stop them by placing a 7 year fraud alert. I got a police report in the city where I live to officially report the identity theft. 

Today I called Experian planning to extend the fraud alert another 7 years. 

Experian has a policy that they will not place a 7 year fraud alert unless there is a police report. I told them there is a police report. I was told there must be a new police report to issue a new 7 year fraud alert. They offered me a 90 day fraud alert. 

My argument is this : The data stolen from me ( name, DOB, SSN, address ) that allowed the thief or thieves to open credit cards at retail outlets has not changed and is still in the possession of the thieves. The risk of fraud is as real now as it was in XX/XX/2010 and no further fraud/new police report is necessary to prove that. 

Any consumer should have the right to restrict the use of their data for the purposes of opening a line of credit or credit card. A consumer with a history of documented identity theft all the more so. Requiring the consumer to renew a fraud alert every 90 days is akin to my child 's pediatrician offering vaccines that expire, and require a new shot, every 90 days. 

It does n't make sense, there is presumably a rationale on the part of Experian that relates to their business model and generating revenue from consumer customers, and in my opinion that is unfair and ought not be allowed.

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 2015-08-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Tax Lein paid in full before going to collection and repeated negative remarks gir over 6 1/2 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/XXXX there was a XXXX XXXX XXXX account opened up in my name. I was born XX/XX/XXXX which made me XXXX years old when this account was opened. I have never had any services or account with XXXX XXXX XXXX. This has been hurting my report and I have been declined services for 2 years. I have been trying to get this off and no one is helping me. Legally I was not old enough to have a utlitiy bill when I was XXXX. I have no idea who had this account. When I went to college and started to look at my credit I seen this. I started disputing it then with XXXX and all the credit reporting companies. Account # XXXX XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX FL XXXX and the phone number is XXXX. 
I need this to be removed from XXXX XXXX XXXX now. They should have never allowed someone to use my information to get a utlity bill of any kind. I need this removed from All Credit Reporting agencies as well. This has damamged my report and prevented me from getting credit. I have attatched my ID showing y date of birth.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting a collections account that has been unverified for over 2 years. On my report, XXXX XXXX XXXX is reporting a debt of {$2000.00} for a charged off joint account originated at XXXX ( original balance shows {$990.00} ) and was opened XXXX/XXXX/XXXX. The acct # listed is # XXXX on the credit report ; the credit report number is XXXX. I sent a validation request to the collection agency on XXXX/XXXX/XXXX - 30 days passed with no response. I sent a 2nd notice to them on XXXX/XXXX/XXXX - another 30 days passed and no response. In XXXX i submitted an online dispute at experian.com and it returned a result of " verified ''. The only responses received from this agency are to experian directly. I have no recollection of this account nor its reference and am unable to get any information regarding this collections account. 

I filed a complaint with the XXXX ( case ID XXXX at XXXX Serving XXXX, CA XXXX, Phone : XXXX ) and they sent the debt validation request to the collections agency on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the XXXX reported they had received no response and were sending a 2nd notice. On XXXX/XXXX/XXXX the XXXX sent the 2nd notice. On XXXX/XXXX/XXXX the XXXX reported they were unable to solicit a response from the collection agency as well. I have requested 4 times debt validation ( account information details, original creditor information, the source of the debt, how and why the debt balance is increasing, any contracts associated with this account, proof that XXXX both legally owns and is allowed to collect on this debt ). The same information was requested by the XXXX twice as well. 

Experian continues to report this account on my report, but has been unable to provide any supporting information or validation of this debt. The collection agency has failed to respond to inquiries for over 120 days, but continues to report it to Experian and XXXX. I have attached copies of this dispute activity and per FDCPA regulations I am respectfully demanding experian remove this item from my credit report. They only response was to Experian and included one word, " Verified '', but have not provided any information as to what was verified, from whom or provided that to myself. 

Each time i submit the online dispute they decrease my credit score, so I 'm sending this complaint to you ( the CFPB ) to assist in getting this item deleted without being penalized again by the credit bureau. Experian has been reporting an unverified collections account for over 2 years with no assistance to resolve this matter. I would like this account deleted from my credit report and feel I have done my due diligence in attempting to resolve this dispute.

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 2017-01-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
CREDIT REPORT CONTAIN XXXX WRONG ADDREEES

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 2016-08-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX, XXXX XXXX have disputed w/all XXXX credit bueraus since XXXX. Experian case number XXXX XXXX/XXXX/XXXX Experian again XXXX/XXXX/XXXX case XXXX and again XXXX XXXX. XXXX XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX case XXXX, and XXXX XXXX, XXXX, then XXXX as well in XXXX XXXX XXXX case XXXX and in XXXX XXXX and XXXX XXXX, XXXX over and over again for auto loan they state is a charge off or sold acct?? to who they only re reprted the same thing over again and never notified me they said charge off.. auto do n't charge off unless you repo a car and sell it at aution and going after the difference, this is not the case at all. I paid my car in full on XXXX/XXXX/XXXX {$880.00} and I have my titole to my car and XXXX paid in full letter w/ title.. I still have the same car today. I have done my due diligence on this and I am tired of the stress and same response that the creditor is reporting correctly. they are not and no one if moved me to another " company '' which is still their company just so they can put in on the credit report AGAIN as a XXXX XXXX XXXX XXXX my letter I have w/ title states XXXX XXXX auto finance not XXXX.by law after so many times over and over requesting a correction this item should be removed and I wish XXXX the XXXX XXXX auto loans to toff all XXXX reports to remove. I also see where all the sudden the XXXX was put on in XXXX?? my car was paid in full XXXX/XXXX/XXXX and the title letter from company is dated XXXX/XXXX/XXXX. yo can not reprt after someone is questioning their credit report much less you did it 2 years later. and again they say they charged off XXXX, yet paid them XXXX this company does what it wants and really tiredof the stress to get this off my report because of NOT being reported correctly and after multiple times trying w/ these agencies. 
like I said in XXXX wells fargo put the OTHER line of negative credit on my file and its just not correct or fair in this case, should have did it 2 years ago. 

I also thought that items supposed to be on report for 7 years, but everything seems to be 10years on my report.. all XXXX reports have so much on them tht its all 10years and this is ridiculous as well. 
XXXX auto XXXX acct number 10 years since date opened XXXX XXXX XXXX over 10years since date of last payment XXXX XXXX XXXX over 8 years since opened XXXX XXXX 10 years since date opened XXXX XXXX been over 10XXXX years since date opened XXXX XXXX over 9 years plus since date opened XXXX bank over 9 years plus I am asking the cfpb to please also remove these items, I am trying to rebuildemy credit yes they are hurting my credit but past the 7 years to stay on my credit. 

thank you

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 2015-11-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Experian credit report and XXXX XXXX show an address of XXXX XXXX XXXX . XXXX . XXXX, XXXX XXXX XXXX, FL XXXX. I have never lived in Florida. This address has been used by someone trying to open accounts under my name and identifying information. This needs to be removed from my credit history. My credit report also shows hard inquiries by XXXX. I have never applied to XXXX for an account. This is the reason I have fraud alerts on my credit reports. These need to be taken off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: Credit Bureau of Jonesboro, Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this account with the Credit Bureaus as well as Credit Bureau of Jonesboro Collection. I disputed this account with this company on 2 occasions ( see attached letters certified return receipt documents ) and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letter and seeking validation of the accounts they were listing on my credit report. I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate, the statute of limitations has expired and it is not verifiable ; therefore, these items should be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wrongful Foreclosure, Unlawful Detainer and not including all documents in a Qualified Written Report request. So I could ascertain any and all issues. The attachments are everything I received in my QWR packet which I requested on XXXX XXXX XXXX. The report was run on XXXX XXXX and the DEED of TRUST was not signed over until XXXX XXXX XXXX on XX/XX/XXXX Also Banking Branch and Trust Co. did not have the Assignment of Deed of Trust until XXXX XXXX XXXX after the foreclosure process had been started. That is just a few issues I found once everything was done. There was nothing in the QWR about my REFI i did in XX/XX/XXXX but according to Banking Branch and Trust they already owned the debt. That is not everything but that is just some of the main points.

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 2015-10-27
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am in the process of refinancing with quicken Ioans, it 's been over 45 days and still do not have a closing date. They keep giving me the run around and its been nothing but a headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Experian after checking my credit report and saw a list of inquiries on my account that I did not authorized. I was informed by a rep ther was nothing I could do but speak to those companies and after calling check one the advised I was not in their system. So I contacted Experian and again was told I have to wait two years for them to fall off, I do not believe this is fair as they are not mines. I am listing the inqurires which I show on my account. It scares me to see this incorrect information and not getting any help, this is my personal information and affects my liveihood. 
1.XXXX XXXX/XXXX/XXXX 2.XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4.XXXX XXXX/XXXX/XXXX 5.XXXX XXXX/XXXX/XXXX 6.XXXX XXXX/XXXX/XXXX 7. XXXX XXXX/XXXX/XXXX 8. XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10.XXXX XXXX/XXXX/XXXX 11.XXXX XXXX/XXXX/XXXX 12. XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX 14. XXXX XXXX/XXXX/XXXX 15. XXXX XXXX/XXXX/XXXX 16. XXXX XXXX/XXXX/XXXX 17.XXXX XXXX/XXXX/XXXX 18. XXXX 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 2015-07-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had my son in a daycare called the XXXX XXXX, I am currently going thru adivorce. My ex husband who lives in XXXX while I live in the state of XXXX tried togo to the day care and get my son and attempted to take him, out ofthe country. I was alerted got, the law involved and my attorneys I was told notto have my son out of my eye sight. I had to move, etc. I gave the day care averbal notice and I called them to confirm my child would not be in due to whathappened. Then I was contacted by a credit agency telling me they reportedme to their agency. I let the agency know that I was disputing the charges, as Ihad a safety concern to protect my child. A notice was given to the company, and they had children on the waiting list that took my child 's spot right away, not keeping them from making money or losing money due to taking mychild out of the center. 

When I called and let them know that my child was not going to be going backto the center, I was not told I would be responsible for anything else, as I hadpaid in full. As I had always paid XXXX weeks at a time. 

This {$340.00} dispute that is showing on my Credit Report needs to be taken offas it is not like me to not pay a payment. And a notice was given to thedaycare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX XXXX, I negotiated a full settlement of my credit card account with XXXX Bank XXXX for less than the full balance. XXXX informed me and confirmed in writing that my credit report would show no delinquency, but would only state, " Legally paid in full for less than total balance ''. In XXXX, I received my credit report and the XXXX credit card was shown as a delinquency. I called XXXX and they removed this inaccurate information. Nevertheless, in XXXX XXXX, I received a new copy of my credit report and XXXX again showed up as a " Negative '' account and showed a delinquency.

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