BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX i requested dispute reasons : this account needs to be removed not corrected because of 1. Date of Last Active - FCRA Violation. Creditor Reported XX/XX/XXXX for XXXX and XX/XX/XXXXXXXX  for Equifax. do not correct, please remove 2. Date of Last Payment - inaccurate. creditor reported to XXXX  my last payment was XX/XX/XXXX. please remove ( do not correct ) on my credit report. creditor monthly payment is inaccurate please remove from my credit report. XXXX shows XXXX XXXX XXXX shows XXXX $ creditor failed to update most recent dispute update 3. Payment History - inaccurate. Creditor reported " OK '', for XXXX, but reported 30 days late for XXXX. I previously disputed this account stating : " This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
My situation started when I received a payment of {$4100.00} from an unknown business that operates in Colorado. Following this situation a person called me claiming to be partners with the company that sent me the money, this person told me that he was interested in giving me a job, the job was to take the amount of {$4100.00} out of my bank account ( the money he sent ) through the ATM and deposited into one of his accounts. I immediately knew that something wasnt right. So What I did was I send the money back to the original sender ( Company in Colorado ) in two electronic  payments of {$2000.00} each totaling {$4000.00}. 
A day after I completed this transactions the bank froze my account, I went to the bank and spoke with the claims department and notified them about this issue, I also notified them that I sent the companys money back to them and that I only needed to send back {$170.00} more. Now this company in Colorado made a claims against the original transaction, which the bank ( knowing about the fact that I gave them their money back ) approved their claim and debited my account for the total of {$4100.00} creating an overdraft in my account. So now this Company in Colorado have kept {$4000.00} extra out of my expense because the bank Forgot about the two transactions of {$2000.00} that I sent back. I called the bank so that they could reverse the two transactions of {$2000.00} each and they denied my claim. I think this is really unfair because the bank should be responsible for this matter since they authorized a debit to my account knowing that I gave the money back to the original sender. Now Im negative {$3000.00} in my account and the bank is telling me that I have to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion is up to something or hiding something possibly. I am 100 % unable to generate my credit report, nor unable to see previously generated credit reports. The last credit report and dispute date I remember seeing displayed on the site was from XX/XX/2023, but it was already XXXX at that time and I had plenty more after XXXX which were and still gone without a trace. I called them and explained this, but they didn't acknowledge it at all. They asked for all my information and accessed my report just fine every time I called, but they still never acknowledged me telling each of them that I could not get my report and that everything had been reverted to the past. I can not get my transunion report to generate through annualcreditreport either, but I was able to get my transunion report generated just fine through XXXX using the premium membership... I also have not received a paper report from transunion, then the last time I called them I was hung up on and called back multiple times only to constantly be looped through the automated system confirming my identity over and over and over. I have it recorded each time too as 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 2022-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had 2 open Capital One credit cards, one was a Walmart credit card, the Walmart card was restricted because of possible fraud. I let my x girlfriend pay some money it to help me out, she paid the whole balance which I didnt know she was going to do, I had her to take that money back to her which took a couple of weeks. We broke up right after that. Thats how my Walmart card was restricted, Capital One then wanted me to prove who I was which I did, then they wanted me to provide my banking information and to prove my address, my electric, cable and phone bills which I provided to them, every time I called they wanted either the same information over and over again, they couldnt find certain records that I sent them, this has been going on for almost a year. I was fed up with this run around so I decided to pay off both cards, I paid off the XXXX card, closed the account but I accidentally paid off more than what it was to pay it off, it was {$580.00} over paid and I asked if they could take the over payment and put it against the balance of the other Capital One card, they told me that they couldnt do that. So I called back again and spoke to a lady for a long time then she told me to wait 3 billing cycles and call back then and I would get my money back. I called and was told that they could not do that. Then I called again and said just write me a check for the overpayment and I would be happy. I was told that they cant give me my money back because the card was restricted and I said so your going to keep my money and the guy said yes we cant give it back to you and it was going to go into the general fund, like the find mass money thing. I am extremely upset that they wont give me my money back, I accidentally overpaid them, its my money why cant I get it back. I have tried to resolve this many times, I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and twice in XXXX but not sure of the dates. Also numerous times in XXXX late XXXX. Thank You and please give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Called numerous times credit report agencies and the Barclay credit card company account ending XXXX, make disputes. 
On XX/XX/XXXX XXXX  answer to my dispute that MISSED PAYMENTS WERE REMOVED FROM YOUR BARCLAY ACCOUNT. 
After a while this Barclay is reporting my account being XXXX used and i delinquency. 
Made again a dispute today with Equifax and their fraud department told me to make a complaint with CFPB. 
Also, I called credit card Barclay today XX/XX/XXXX told them they PROMISE ME MY NEGATIVE INFORMATION WILL BE DELETED ( CALLED ESCALATION DEPARTMENT ON XX/XX/XXXX IN XXXX after I waited more than XXXX hours to speak with a supervisor ) but, have to give them few days because my account was transferred to a third party company and is in PENDING STATUS AND SHE CAN'T DO ANYTHING WHILE IS PENDING.. 
THEY TOLD ME TO SEND THEM A LETTER ALSO because they have their own dispute department. 


The third party company name is XXXX XXXX. 
XXXX XXXX didn't reported any negative information to my credit report. 

ACTUALLY BARCLAY CREDIT CARD FRAUDULENTLY TRANSMITTED EVERY MONTH THIS NEGATIVE INFORMATION AFTER PROMISING ME THEY WILL DELETED more than year ago .... 

Sincerely 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 2023-11-21
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I hope this letter finds you well. I am writing to dispute the accuracy of a collection account on my credit report. The account is under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, with the account number XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX, and the reported balance is {$310.00}. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across XXXX and Equifax credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I do not recall having any account with XXXX XXXX XXXX XXXX that would result in this reported debt. Given the lack of familiarity with this account, I request a thorough investigation into the validity of the reported debt. 

Details of the disputed account : - Collection Agency : XXXX XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX Reported Balance : {$310.00}. 

As a consumer, I am entitled to accurate and verifiable information on my credit report. I kindly request Equifax to investigate this matter promptly and, if the debt is found to be invalid, to remove the aforementioned collection account from my credit report. I have enclosed the following documents, -FTC Report -Current Utility BILL, -Current State ID, -Current SSN. 

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 
I appreciate your attention to this dispute and anticipate a timely resolution. Please provide written confirmation of the results of the investigation. 

Thank you for your assistance in rectifying this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX this debt collector, CALVALRY, reported a collection action to my credit bureau however they first sent their letter to me XX/XX/XXXX! they violated the Fair Debt Collections Act by not first notifying me and allowing me 30 days to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXX. XXXX, XXXX XXXX US DEPT . OF EDUCATIO 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 2023-11-01
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CONSTANT HARRASSMENT AND BULLYING FROM XXXX XXXX, GCCB ( Gulf Coast Credit Bureau. For 7 months now, over XXXX voicemails, calling my work number, and terrorizing me in the evening with my child watching my phone constantly ringing. 

I have no outstanding debt. They are FALSIFYING information and honestly, there needs to be a class action lawsuit against these terrorists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin XXXX XXXX account number XXXX is try to collect a debt from me I sent them a certified letters on XXXX they will receive on Friday XXXX for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX.Franklin XXXX XXXX is the creditor reporting inaccurate information on my credit report Franklin XXXX should have sign documentation between me and them. So if They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I no account with Franklin XXXX XXXX and if I have a account with XXXX am not saying I do I never gave them permission to sell the Debt to Franklin XXXX XXXXFranklin XXXX XXXX have 15 day to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character I never got a notice or anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen is engaging in dual tracking and not in compliance with Loss Mitigation Procedures. Federal Law Restricts Dual Tracking I'm attaching Ocwen 's denial letter dated XX/XX/XXXX. I have appealed the denial within the required 30-day time frame. Therefore, I have not exhausted the appeal process. 

I also fully submitted documents again for mortgage assistance. Ocwen has not stopped the foreclosure sale scheduled for XX/XX/XXXX. 

The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. 

This means that if you submit all of the required paperwork, the foreclosure can't start until : the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ).

12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application. 12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application. '' Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 have 5 inquiries on my credit report that have been hindering my credit score an XXXX  and XXXX have removed but TransUnion will not 4 XXXX XXXX and one from 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 2019-01-14
Company: AES/PHEAA
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX  of XX/XX/XXXX they would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX  of XX/XX/XXXX they would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX XX/XX/XXXX they once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX  of Massachusetts next. I need my payment history fixed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed.

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