BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently wrote to Midland Credit Management, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and would like for you to have a copy of this document as well. I would also like to initiate another dispute with you in efforts to finally remedy this situation once and for all. Midland Credit Management continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. This company has stated to all parties, including myself, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete! According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Midland Credit Management has been reporting this inaccurate information for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as detailed the U.S. Code violations, yet somehow, you still allowed Midland Credit Management to report that the information was verified, which allowed this item to remain on my credit report. At this point, I pose the question ; Is Midland Credit Management above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter has also taken a significant toll on my health and livelihood, which I have detailed in the attached document. I have also enclosed the pdf version of my letter to this company, as well as my credit reports which display the obvious inaccuracies and inconsistencies this company is reporting, which they are falsely verifying as is accurate. This has to stop! Please see the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Five Clans Lending LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2022, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Elk Lending, LLC DBA Elk Lending. On XX/XX/2022, Elk Lending used an eCheck to debit {$210.00} from my bank account. This transaction was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Dynamic Recovery Solutions, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a mailing saying that I owed money and the debt had been sent to a debt collector. According to the letter, the original creditor was XXXXXXXX XXXX. I have never heard of or had any dealings with this bank. The two debt collection companies listed, Dynamic Recovery Solutions , LLC and XXXX XXXX XXXX XXXX  are flagged as being fraudulent on the internet. 

This is a fraudulent attempt to intimidate and extort money. 

I hope there is something the government can do to put a stop to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
the debt is hurting me make progress with becoming a homeowner. I have no awareness of this account. I've asked for a copy of the contract with my wet signature. I asked for the method of verification they used before reporting any information to a credit reporting agency with out my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX 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 2022-05-17
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX I submitted a CFPB complaint against Equifax due to some inaccurate inquires they are displaying on my credit report. In the response from the company they stated that they did an internal review and mailed me out a letter. They never did any review and never sent me out anything. Furthermore I have been contacting them for months asking them where they are getting this information from and how are they investigating this issue and received nothing. I want to know how are they verifying this issue because I reached out to each creditor and they could not provide me with a signed application to see if the inquires are truly mine so this proves that Equifax is providing false information onto peoples credit report. They told me to reach out to Equifax to have them delete this error and anytime i do nothing happens. Not only this, but they are not responding to my letters. I would like this inquires to be deleted off my credit file immediately. 

Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have several inaccurate accounts reporting in my credit reports which I have been disputing since XX/XX/XXXX but, to date, I have yet to receive one response from the credit bureaus. Per the FCRA, if the credit bureaus take longer than 30 days to respond or fail to respond to a dispute, they are to remove the information from a credit report. The credit bureaus have failed to respond to my disputes, they have failed to investigate the accounts, they have failed to fix the incorrect issues, and they have failed the law. Now, regarding the issues in my reports that I have been working on resolving, there are 6 DEPT OF EDXXXX accounts reporting 90 and 120 day late payments on my reports but, no 30 or 60 day late payments. Look at the attached reports, account # XXXX .... was reporting on-time in XX/XX/XXXX in the payment history and 90 days past due in XX/XX/XXXX. How can an account become 90 days past due in only 30 days? It can't this is an obvious mistake, one that the credit bureaus failed to fix over the course of the last 7 months. Same issue with account # XXXX ...., # XXXX ...., # XXXX ...., # XXXX ...., # XXXX ... .. XXXX XXXX XXXX # XXXX XXXX. is reporting an on-time payment on XX/XX/XXXX and a 90 day late payment on XX/XX/XXXX and a 120 day late payment on XX/XX/XXXX. How did this account become 90 days past due in a period of only 30 days? Its an impossibility! There are also issues with a collection from XXXX XXXX # XXXX reporting on my reports, I have requested that the collection agency provide documentation proving my liability in this debt ( per FDCPA ) but, they have failed to respond with any documents and the credit bureaus continue to report this erroneous information. XXXX XXXX XXXX XXXX # XXXX .... agreed to defer payments due to COVID but, continued to report late payments in my credit reports, XXXX/XXXX # XXXX .... agreed to defer my payments and reduce them due to COVID but, also continued to report the late payments and actually charged off the debt- this was not part of our agreement. Look at the payment history, I continued to make reduced payments but, XXXX and XXXX XXXX reported incorrect information. XXXX XXXX XXXX # XXXX .... is an account I don't even remember opening so I requested a copy of the original contract on the account ( per section 609 of the FCRA ) but, no response again. As you can tell, I've been doing this for a while and working on resolving these blatantly incorrect issues. I am asking that you remove this incorrect information from my credit reports and hold the credit bureaus accountable for violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madame- I am a first time home buyer. 

I bought my home in XXXX. Wells Fargo Bank was the mortgage holder. 

In mid XXXX, apparently my home owners insurance expired. I had no idea it expired because I never received notification about it expiring. 

Wells Fargo Bank required me to accept their insurance carrier at a cost three times what I would have been required to pay for two years ( XXXX to XXXX ). 

This requirement by Wells Fargo Bank was improper and the bank provided no guidance or assistance to me in reference to obtaining the required home owners insurance. I later discovered a class action suit focused on Wells Fargo Bank 's forcing their home owners to accept their insurance took place. I was informed after further investigation that Wells Fargo Bank mortgage home owners received compensation but I was never notified about the class action suit, nor did Wells Fargo Bank ever informed me of the suit. 

Recently, in XXXX, Wells Fargo Bank did a home owners appraisal of my home. The bank appraiser stated in the report we had a two story home but our home is three stories. I notified the bank about this error and the bank said do not worry about it because the appraisal was a procedural requirement due to COVID refinancing. I later determined the appraiser used comparable homes as far away as 20 miles from my address for comparison. I informed Wells Fargo Bank of this improper appraisal and they have yet to respond. I notified the bank approximately one year ago and recently sent them a e-mail reminder two months ago with no results to correct my appraisal or to do a new one. 

The latest appraisal came in over XXXX XXXX dollars less than what average smaller homes with half the square footage of my home in my development sell for, therefore, drastically decreasing the value of my home. I am a XXXX XXXX and I reside in the XXXX, Georgia area and there is a pattern of appraisal discrimination resulting in decreased values of property. 

I am seeking compensation from Wells Fargo Bank as my mortgage holder and an apology form them for their failure to respect my request to correct and complete a proper home appraisal in accordance with the State of Georgia requirements. 

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 2018-12-14
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened Citibank checking account onXX/XX/2018, signed up for promo to get {$200.00} when you open checking account and deposit {$1500.00} in the account and maintain at least {$1500.00} for 60 days. Today is XX/XX/2018 and still have not received promised bonus.

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 2023-10-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BMO bought out Bank of the West. I was told my same login information for Bank of the West would work for BMO. That has not been the case. I have not had access to my accounts since the beginning of XXXX. I can not contact anyone at BMO because I can not give the machine a valid account number because they haven't given me one. I have been to the branch 4 times to no avail. I have no spent enough of MY time fixing THEIR ISSUE. I want access to my account. If any fees have been assessed because I want them returned.

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 2023-11-30
Company: EQUIFAX, INC.
State: VA
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

Company response to consumer: In progress
Consumer complaint received 2019-07-01
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a student at XXXX XXXX  on Financial Aid. I had limited funds left, however, I was told I had enough for one more term with them, so I enrolled. When the loans got disbursed, it showed that I actually owed money instead of receiving money, so I immediately called and emailed my enrollment coach. They looked into, and I even got in touch with the Financial Aid office in XXXX, who stated she was confused because it showed I had money available. I immediately withdrew to avoid any further charges, and then I started getting collection notices from XXXX last XX/XX/XXXX. I wrote them back via email 3 times and with letters, 3 times as well stating the issue that I was not responsible for the amount they were charging me. The last email I sent was dated, XX/XX/XXXX. I didn't receive anything for awhile, so I thought they took care of it, and then last month it showed up on my credit. I disputed saying it was fraud, but the results came back saying it was verified and accurate. I don't agree with this as it wasn't my fault. The school gave me misleading information about funding I had available. They are responsible, and I want this removed from my credit. The account is in collection by a company called General Revenue Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX x XXXX for the amount of {$390.00}, which is incorrect, the amount from XXXX is {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NY
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. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: In progress
Consumer complaint received 2023-06-10
Company: Ability Recovery Services, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ability recovery and XXXX XXXX XXXX  are working with XXXX XXXX XXXX and keep restarting my time from medical bills over 7 years ago I would like them removed but they wont remove them I have disputed these 4 hit several times and each time they start me over please help with getting this removed its so unprofessional.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1. I have disputed this account for inaccurate information, yes XXXX  and Experian have not responded with accurate response.

2. In the payment history is says that the last payment is XXXX but the payment record it shows payment was made XXXX XXXX. XXXX is reporting inaccurate information. 

3. The Date of Last payment shows XX/XX/XXXX and says XX/XX/XXXX, yet the date last active XX/XX/XXXX - XXXX is reporting inaccurate information. 

4. Date Open : XX/XX/XXXX - Is not accurate. 

5. Balance Owed : {$7800.00} is inaccurate I'm requesting that accurate account information be presented and changed, or this account taken off my credit report, due to inaccurate information. This is a violation of my rights.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-12-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was modified by Ocwen in XXXX ( attached ). Ocwen has since transferred the servicing to PHH. Neither Ocwen or PHH have recorded my name to the owner 's deed or title. This has caused issues with future financing or listing the property for sale. Per RESPA and CA Codes ( gov:27320-27337 ), PHH is required to record me as owner pf the property, per the listing on the deed and title. Both Ocwen and PHH have refused to acknowledge requests for this recording to take place. PHH also lists my payment 30 days late in XX/XX/XXXX. My payment was not 30 days late and PHH has refused to correct the error. Per the FCRA, proper credit reporting is required. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: MD
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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