BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
CFPB is full of complaints against the XXXX XXXX XXXX XXXX. I have filed a number of complaints attempting to correct my XXXX, XXXX and Trans Union accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. XXXX XXXX XXXX XXXX continues to report false information to each of the three credit reporting agencies. XXXX XXXX XXXX XXXX pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX  ignored all this information and proceeded with collections. XXXX XXXX XXXX XXXX then CANCELLED THE DEBT when they CHARGED OFF the account and issued a XXXX  reporting the cancellation of the debt. XXXX XXXX XXXX XXXX continues to report a PAST DUE amount of {$22.00}, XXXX. By law, XXXX XXXX XXXX XXXX can not continue to pursue a debt they have cancelled. XXXX XXXX XXXX XXXX can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by XXXX. XXXX XXXX XXXX XXXX  abandoned all claims when they charged off the debt and issued the XXXX to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. Accounts With a Negative Pay Status LENDERTYPEBALANCE XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Charge off Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name XXXX XXXX XXXX XXXX  Account Type Credit Card Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXXDate Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, VA XXXX Remarks Charged off. Canceled by credit grantor.

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 2022-08-12
Company: Early Warning Services, LLC
State: IL
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 called and asked Early Warning ( located XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ) their phone number ( XXXX ) for a copy of my consumer report so I can see what was stopping me from opening up an bank account. They sent me an copy. I seen that 2 XXXX accounts were on there. 2 accounts that I was unaware of that were supposedly opened XXXX. So they told me that I can dispute it, so I did. XXXX XXXX, I went on and called the XXXX because they are who took over XXXX Bank. I called them to get more information or documentation to support my dispute. The bank had transferred me through 4 departments ( customer service, management team, XXXX collections, and the department that handle old/closed accounts ) trying to locate an account with my name, social, and the account number that is on my consumer report. Everyone I spoke to at XXXX then began to tell me that there was nothing in their system popping up with my information. The lady then said that the account number is too long and is not in their number format. She went on to telling me that Any XXXX Bank that wasn't active or was already closed before the conversion of XXXX taking over XXXX have been Closed and removed from their system. A lady then said to me an that she could not give me something that is not there. So at this point I continued with my dispute and mentioned how I called and talked to numerous of bank representatives and that they could not bring up the account on my consumer report. After XXXX week they removed one of the XXXX bank accounts. XX/XX/XXXX I got a letter in my email stating that they spoke to my furnisher bank ( XXXX XXXX Bank ) located ( XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX ). I looked up the Bank to give them a call for documentation and on XXXX it says this Location is permanently closed. and the number that is listed to call is NOW XXXX Bank who has no record of my social security number or the account number. So I am really baffled, on how they received any information from a bank that is no longer up and running. How is a bank confirming that the information is accurate of the date of XXXX XXXX and they're permanently closed. And XXXX can't even located me by my social security. A XXXX manager told me that once they had told early warning that they didn't have anything for me in their system, they were suppose to remove it off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX from XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1692b acquisition of location information by debt collectors.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2021-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 closed this account in XX/XX/2019 its reporting that the grantor closed it and they are reporting missed payments which isnt true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Williams & Fudge, Inc
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I talked to a representative two weeks ago and set up a payment plan to pay my debt. I told the representative what days to charge my account and since she failed to charge my account on one of the days we arranged called from her personal cell phone number saying that she was going to mess up my credit. 

The collection is not only listed as open but also as having a past due balance of {$970.00} dollars. This is a violation of FCRA requirements and in violation of XXXX XXXX Compliant reporting standards. According to the FCRA I have the right to a completely accurate report and if its not accurate then I am in my rights to have it completely removed and discharged from being liable for any debt thereof. 

Please remove this account and send me an updated report showing compliance with XXXX reporting standards and this account removed under completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 we signed the paperwork to accept the Loan Modification conditions that Fay Servicing gave us. We were to make 4 trial payments of {$840.00} starting XX/XX/2020 til XX/XX/2020. We completed these payments but have yet to get the final paperwork for the modification to be complete. Fay Servicing is aware of this, but they continue to send me hairdressing letters about foreclosing on our home. 

I can not make payment by their automated system I have to talk to a representative and each time I have to go through the whole process because the person on the phone thinks my mortgage is in default. This is continuing to ruin our credit and all we hear is the paper work is being prepared. 6 months is a long time to wait on paperwork. I am wanting this completed and our credit to reflex our timely payments. I email and call frequently but get the same story " they are working on it ''. 

We just had our roof replaced so now they are going to have the insurance check to hold, and I read if the mortgage is behind they don't have to release it, the work has been done and the roofers need to get the final payment. I want this corrected and fixed so we don't some how lose our home, we have done our part now Fay Servicing needs to do theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
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: Their investigation did not fix an error on your report

Complaint:
In late XXXX XXXX i commenced a dispute of the contract between me and XXXX XXXX XXXX Via an inquiry directly with said company At which point I was under the impression that negative reporting would cease for 30 or at least until There was proper validation of the obligation however XXXX and Equifax immediately reported negative information during this time and they refuse to rectify this mistake after I have reached out to both of them and provided all pertinent documentation of this dispute. XXXX is also refusing to amend the report after several request

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a secured credit card over the phone I offer collateral diversity account land deeds Real estate investments along with the UCC1 filing statement and was denied credit

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 2021-01-04
Company: Experian Information Solutions Inc.
State: CA
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:
EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2023-05-18
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX principal holder, have wrote a letter to Nationwide Credit Inc letting them know it's my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. I do not have any contract with them. I asked them to prove to me that this is a true debt. They have not responded. or removed this of my credit report. I am willing to go into arbitration if they don't remove this off and but make account in Good standings. 
F.D.C.P.A. at 15 USC 1692 e.g.

Title 18 section 8 ( All debt is the obligation of the UNITED STATES Cestui que vie act of 1666 trust account pursuant 15 usc 83 banks can not loan money 1933 emergency banking act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: AL
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:
A request to remove incorrect late payments on XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and XXXX XXXX has been ignored. After reaching out to each company showing the payments and on the correct day and time they noticed their mistake but have yet to remove late payments. 
Contacted each company XX/XX/2020, XX/XX/2020, XX/XX/2020. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently obtained a copy of my credit reports. In doing so I notice inaccurate account I have not authorize. I have attached a copy of my FTC report ( Reference number : XXXX ). Along with two Identifiers.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This is a fraudulent account and needs to be removed from my credit report within 7 days. I have reached out to the company to provide proof of contract, and there is no contract.

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 2023-07-12
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I Bought my home in XXXX and set up auto payments with my Bank XXXX for Freedom Mortgage. Beginning XXXX of this year I contacted Freedom Mortgage and informed them that I was changing banks to XXXX XXXX XXXX going through the process of setting up the new service first by calling Freedom Mortgage and giving all information to the agent I received a call from a senior member of the company informing me that they could not accept the information over the phone and was given a web site where to fill out the information. This I followed up on immediately only to receive a notice in the mail that I must fill out the same form and send it in. During this time period XXXX sent a payment and Freedom mortgage also took a payment in the same amount of my mortgage double payment. It took XXXX days for Freedom Mortgage to return my money. I went through the process of filling out the form and sending it to Freedom mortgage and again they attempted to take the funds from XXXX. Once again I contacted Freedom Mortage and was informed that I failed to change XXXX small thing on the form which actually was changed and written in on the second line. Requesting to speak with a supervisor. which I did and she had me go to the Website where she walked me through the process informing me that I was all set, and that the problem was solved. Again, this month they attempted to take the money from XXXX account now closed. Causing a minus on my account, late payment to Freedom all of which is going to affect my excellent credit score of XXXX That I have worked so hard to accomplish. 
Yesterday XX/XX/XXXX I contacted the office Freedom Mortgage requesting to speak to a supervisor again only to be told not available and some clerk who informed me he was working from home informed me he was sending in a request for me to receive call back.

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 2022-09-18
Company: EQUIFAX, INC.
State: WA
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:
This company is violating my consumer right to privacy, pursuant to 15 U.S.C. 1681a 602.4. Company also has NO permission to report ANYTHING using my information, pursuant to 15 U.S.C. 1681b 604.2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ), has violated my rights.

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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I snail-mailed a letter request to Equifax to create a credit file for my minor ( XXXX-year-old ) son and then instantly freeze his report. ( He has no credit file. ) Following information available at equifax.com, I submitted the appropriate form and pieces of documentation ( including copies of my son 's social security card, birth certificate, and my driver 's license ). 

On XX/XX/XXXX I received a form letter from Equifax saying my son did not have a credit file and offering no further advice. 

On XX/XX/XXXX I sent a follow-up letter to Equifax 's Minor Child department, explaining what I had tried to do and again asking Equifax to do it. A week later I received a second form letter. Once again, it said what I already knew : my son has no credit file. 

On XX/XX/2019 I phoned Equifax 's main Customer Service number. The rep ( who gave her name as XXXX  ) seemed confused at first, said she had to ask someone, and finally explained to me that Equifax can not create a credit file where none exists -- that they can only freeze an existing file.

Information at https : //www.equifax.com/personal/education/identity-theft/child-identity-theft/ appears to contradict what she told me which also appears to be in violation of Public Law 115-174.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second month in a row my mortgage payment was late? I pay through my financial institution using their BillPay system to make my mortgage payment and been doing so for the last 10-12 years. I called NewRez last month and they said they had changed their address and if I updated that in the BillPay system it would fix the problem. I did that while I was on the phone with them.

I received a letter today that it was late again this month, so I call my bank and they say NewRez stopped accepting BillPay so they have to send live checks?!?!?! I call NewRez, and somehow its my fault, I had to ask them point blank, have you stopped accepting BillPay, and after a very long pause she said yes. I asked why I was not informed of this and she said it was noted on my XXXX Statement, so I printed out XXXX statements and no does it state they had stopped accepting BillPay and the although the address where you send your checks had been changed, they failed to point that out anywhere on the statement or indicate it had changed!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
This is my several complaints that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Kohls is using XXXX and discriminatory practices against me, and trying to hold me liable for unauthorized and fraudulent charges on my Kohls credit card account. The current charges of {$1400.00} listed on my account are all fraudulent charges. I didnt make the charges. They are fraudulent. I called Kohls and spoke with a Kohls representative and informed the representative that the current balance of {$1400.00} is fraudulent. The representative informed me that I was lying and made the charges, and the representative called used a XXXX  slur against me and called me a lying XXXX and hung up the call on me. This was totally wrong and unlawful business practices.

Company response to consumer: Closed with explanation