BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received several alerts on XX/XX/2020 about a new collection account being added to my credit reports from MRS Associates for a XXXX  account. I am not familiar with this debt and never received any letters in the mail in regards to this debt. It is my understanding that I should have received a notice of the debt including the amount of the debt, name of the original creditor, notice of my right to dispute within 30 days and name and information of the original creditor if different from current creditor. I did not receive any such letters. 

I called MRS Associates on XX/XX/2020 and spoke to XXXX. I expressed my concern with the fact that my rights had been violated due to them not providing a notice of debt or right to dispute letter in regards to this account. XXXX said they tried contacting me and had sent an email. I triple checked my emails on XX/XX/2020 and XX/XX/2020 and had no such emails. I asked if after sending those emails, they had mailed a letter to the address on file within 5 days of that communication with the notice of debt and right to dispute as they are mandated by FDCPA. XXXX advised that they did not have to physically mail a letter. I asked XXXX if the alleged email she is saying they sent contained a notice of the debt including the amount of the debt, name of the original creditor, notice of my right to dispute within 30 days and name and information of the original creditor if different from current creditor and she stated she was not sure but said it " should have '' included the information. 

I proceeded to inform XXXX that they had violated my rights in not sending the notice of debt and right to dispute and they needed to remove the collection from my credit report, send me the appropriate notices and allow me my right to request full validation. XXXX said she was not a lawyer and did not need to know the laws and that they would not be removing this from my credit reports. I asked that she remove me from emails or any other communication other than US Postal mail and she said they could contact me in any way they saw fit. I asked XXXX to send a record of all former communication and she said they could sent it but I would still receive correspondences by email only even though I specifically requested to only be contacted my US postal mail. This company has failed to follow initial steps required to place a collection on a consumer 's credit report and have violated my rights under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
debt is not mine. debt is a result of identity theft and should be removed from my account.

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 2019-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since Thursday I've received 12 calls for a payment for which the account is in dispute. I specifically told Bank of America that I will pay the full debt due as long as they are reporting my payments accurately for which they have not. I've spoke with Bank of America regarding the insistent phone calls. This is harassment furthermore, the company reflected a late payment that should not have been.

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 2020-04-25
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to pull my 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 2022-03-31
Company: Experian Information Solutions Inc.
State: FL
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 the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

1. XXXX XXXX XXXX XX/XX/XXXX {$350.00} 2. XXXX XXXX XXXX XX/XX/XXXX {$3000.00} Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX of XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/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 2020-10-08
Company: Duvera Billing Services, LLC
State: PA
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 rece

ived a letter stating that I opened a account with XXXX XXXX XXXX   back in may ( in the middle of a pandemic ). I have no recollection of this company. I have called multiple times and at one point they hung up on me. They never answer my questions directly. I filed multiple disputes with them and they are still on my credit report

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX 
Last reported XX/XX/2022 XXXX. This a medical billing issue 2. Account was deleted following dispute ( via CFPB ) 3. Account reinserted ( added back ) after deletion 4. I DID NOT receive prior written notice of reinstated on my credit file 5. Under the Fair Credit Reporting Act ( FCRA ) the reinstatement without written notice within 4 days of reinstatement is a violation of the law ( i.e., illegal )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have reach out to my credit card company and asked do they have a forgiveness program to remove the late payment off of my acouunt. Since the late payment they have increased my credit limit twice. They informed me that they could not do so. They stated that I had to contact the credit bureau. I also request to get copies of the statement for the four reporting late payment and what they sent only shows three per the statements. The dates that I have are XX/XX/XXXX past due fee of {$25.00}, XX/XX/XXXX past due fee of {$35.00}, XX/XX/XXXX past due fee of {$35.00}. I also paid that payment on the XXXX which is the due day but was unaware until recently that if its not paid but XXXX it marked as late. Which its still the XXXX and that's the due date. I have sent a letter to ask for forgiveness as well because if I was a customer that was not responsible they would of not increase my credit limit. I received a letter stated that they are unable to change their reporting. That they understand how important my credit is but they are still not willing to remove late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been having " Federal Withholding Tax '' taken out from my savings account for several times, I should not been charged this for my status as an 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 2017-10-27
Company: POM Recoveries, Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt was charged off in bankruptcy about 3 to 4 years ago. I have been cussed at. They have called my husband 's and my work. Threaten too have us arrested our severed. Told them to contact my lawyer used. I have tried to call them back with the lawyer and bankruptcy information and was threatened and hung up on. Now they are spoofing phone numbers to try and get us to answer.

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 2022-03-31
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
I've filed a dispute about my credit report and the incorrect items on my credit report. Its been over 30 days since I contacted them, and have not received any investigation results back yet, so hence this complaint. Below are the accounts I have problems with, please review and help me out with this. Thanks XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$750.00} Balance updated XX/XX/XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$530.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$310.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$2500.00} Balance updated XX/XX/XXXX, XXXXAccount Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  {$2900.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXX Account type Debt Buyer XXXX XXXX XXXX XXXX XXXX ( Closed ) XXXX Account status Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Closed ) Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy XXXX 7-dismissed Original filing date : XX/XX/XXXX Latest status date : XX/XX/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 non-monetary relief
Consumer complaint received 2021-11-09
Company: Mobiloans, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Tuesday XX/XX/2021 at XXXX from XXXX calling me regarding proceeding office said a complaint had been filed against me. I told her I was unaware of what she was talking about. A few minutes later my wife called me and said someone had called asking for our daughter ( XXXX XXXX XXXX said they had a complaint against her and then they ask for me ( XXXX XXXX ) to make the long story short this cause a a big family mess because my called my daughter which is in school got her very upset my wife was thinking she had to sneaked and took out a loan which was not the case. I then called the number XXXX gave them the # XXXX and spoke with a XXXX XXXX and asked him why was they calling asking for my daughter he told me that sometimes they will even reach out to neighbors and other family to reach a person this is a violation and he would not give me the address of the place he was calling from, he said he couldnt give out that information. Also he stated that this under the ( FDCPA ) can not threaten leal actions and at the end he said legal actions will be taken. This phone call was made on XX/XX/2021 at XXXX a.m. from XXXX. Please follow up with this and let me know the outcome thanks so much

Company response to consumer: Untimely response
Consumer complaint received 2022-03-31
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I was approved for a modification to start payments by ocwen/PHH. They contacted me and told me it was an error. They would not allow the payment. 

I contacted the Hardest hit fund and was told I qualified for a {$50000.00} principle reduction. The counselor said she needed to speak to their contact at ocwen first to assure they would accept the terms. She needed to do this because the program was ending and she did not want to do all of the work if they were not going to accept the money. She contacted me a couple of weeks later and said Ocwen advised her they would accept the payment. After all the work was completed and she submitted the paper work to ocwen they refused to accept the {$50000.00} payment. The program has since ended but I have my documentation. 

This caused me to go into XXXX XXXX XX/XX/XXXX to save my home. During the pandemic I lost my Job and Business. 

Therefore, I could not make the payments and loss my bankruptcy in XXXX of XXXX. I approached Ocwen/PHH for a Modification they denied saying no more modifications. But modifications were not truley approved. Only as a documentation for the record but never completed. 

Also during bankruptcy according to the trustee I paid {$30000.00} on my mortgage balance. It does not appear as all was posted. 

















XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Around XX/XX/XXXXI was contacted by XXXX XXXX XXXX with a program to consolidate my student loans. I signed up, paid an upfront fee and then {$50.00} per month as the program stated after so many years of paying my loan would have {$0.00} balance. In XXXX, I learned that this company did not consolidate my loans and did not make monthly payments on them. They changed my contact information to an address and phone number in California, which I was unaware of. My credit report shows that American Education Services has or had my federal student loans but when I inquire they said that my account number does not exist. Fedloan servicing, now handles AES loans and I contacted them with what had happened. They said that I would just need to log into my account and see if I would qualify for one of their programs. Every time I attempt to log into the account it automatically generates a forebearance request. CFBP filed a law suite against Student Loan Servicing in regards to this and that consumers affected would be contacted. I was never contacted and I am not sure who has my federal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my XXXX  XXXX. Every collections account is wrong. I have a charge from XXXX XXXX. Never heard of it. PYOD-never heard of it. XXXX I did go to. But I paid XXXX in cash and used my XXXX XXXX XXXX. I think the 4th one is Target. That one is my mom 's account. I have disputed all of them. Target wants me to pay for a notary of my signature. I have told them that they are mistaken. I have sent them a copy of mom 's death certificate. They refused to remove the mark on my credit. She lived with us. I sometimes paid her bill on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear XXXX XXXX XXXX XXXX, I request the credit report you accessed for the attached incomplete and undated loan application. The copy of the credit report will prove you did not have permissible purpose and the loan was fraudulent. 
Dear Transunion and XXXX, XXXX XXXX XXXX XXXX will refuse the above request and label as duplicate complaint when they haven't furnished a copy of the credit report by law. I expect Transunion and XXXX  to refuse any simple reply that XXXX XXXX XXXX XXXX is reporting accurately and to review the documents for yourselves. 
I also expect no one to reply with a form reply to remove this off your desk and feel you have done your job.

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 2022-03-31
Company: Thunderbird Collection Specialists, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX XXXX XXXX through XXXX  XXXX XXXX on XX/XX/20. Apparently a XXXX XXXX PA provided some service during the operation. The bill payment was denied because the physician did not submit the claim in time. The bill was resubmitted to the Va and denied again. The doctor turn the bill over to Thunderbird Collection Specialists. They contacted me by phone several times. They were told each time the bill was to be paid by the VA and to contact them After several calls to write and received a copy of the original bill. I then contacted the XXXX XXXXXXXX XXXX XXXX by phone. The community representative call Thunderbird Collection and explained why the bill was not paid, that I as a Va patient had no financial liability, and they were given the path to have that bill re-examined.

After confirming that was done I recontacted Thunderbird to reaffirm that the VA had indeed contacted them. At that time it was indicated to me that it did not matter what the VA said it was my bill an responsibility as the patient for that claim. 
As a VA patient entering or releasing that hospital I did not sign on agree to any such responsibility. 
I have in the past loss my temper with the repeated calls from the collection agency. 
I would like this issue resolved. I have worked had to increase my credit scores and reduce my debt. It is my hope as a XXXX vet to be able to by a home. Please stop these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, it can cause a lower credit score, denial of credit, higher interest rates on loans and credit extensions, and more. It's important to recognize when the FCRA has been violated and it has so in my case account under the name XXXX XXXX also known has XXXX XXXX has violated against me. Number one they have been reporting late payments on an account thats was closed on XX/XX/2021. They have Been reporting late payment from XX/XX/2021to present day XX/XX/2021. 2 they have been reporting inaccuracies payment reporting to all three credit bureaus I have disputed the information and it has not been updated to correct these violations

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 2017-10-06
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
on XXXX XXXX, I sent an investigation request to Equifax. 49 days have now passed, and Equifax has not responded. They are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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:
These companies have violated my consumer rights. I have reached out to them numerous times and they are now willfully non compliant. I exercise my right to privacy.

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