BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: NJ
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:
IHello Im writing to you because my student loans payments reported to my credit report as 60 days late. Which is not correct! I spoke with an employees XXXX ( XXXX ), and XXXX ( XXXX ) who told me to call in and make my payment on XX/XX/XXXX. As I was on a repayment plan that I did not know now changes every 6 months. When I set it up it was set up for 12 months. I spoke with XXXX ( XXXX ) Who advised that my payment would not be late. He also set up my 6 months payments to come out of my account automatically. XXXX also put me on hold to check with a supervisor to assure my payments would not be late. Please have this correct as it is messing up my credit and Im doing EVERYTHING I can do pay on my loans.

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 2018-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bought an air conditioner off of XXXX and it was working perfectly fine until one day it just stopped working. I had to do a return and clearly explained to the customer service representative that I no longer have the account and no longer associated with Bank of America. He said that we will send the funds to Bank of America and they will send me a check of {$120.00}. So I called Bank of America and they said since you closed your account we can no longer give you any funds so now Im in a situation where I cant get my money from anyone

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 2021-02-01
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: 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. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Please REMOVE THE FRAUD ACCOUNTS ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In response to the letter from Selene Finance dated XX/XX/XXXX and CFPB previous case # XXXX I am uploading new paperwork and correcting a few inconsistent statements made by Selene Finance : On XX/XX/XXXX I had written the letter ( hereon attached ) regarding wrong escrow calculations made on XX/XX/XXXX, and I had enclosed proof and correct escrow calculations. I had talked to Selene Finance at the beginning of XX/XX/XXXX and was told that the response to my letter I should expect within 5 business days. As of today, XX/XX/XXXX I did not get any response, on top of all, they DID NOT apply the mortgage payment I had mailed in, basically saying that I did not make my mortgage payment on time. 
If Selene Finance is unable to handle and calculate my escrow amount correctly, I am willing to pay my r.e. taxes and insurance on my own. 
Please, help me out dealing with this lender as their ineffective ways and practices cause a lot of unnecessary stress. 
Thank you XXXX XXXX XXXX direct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: TX
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:
showing ftc vioalations proven 
filed ftc also XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXXDispute
XXXX XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: American Coradius International LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to have a credit card with my ex husband with XXXX and the credit card was assigned to him in the divorce. I have given American Coradius international proof of the court order and the fact that my name was removed from the XXXX account but they continue calling me. 
Specifically, XXXX XXXX ( might not have given me his real name ) lied about the fact that he had not received the court order or that my name was not on the account anymore. 
The tactics used by this company and Mr. XXXX are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: MS
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
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 submitted information to all 3 bureaus about bankruptcys on my report and XXXX  and XXXX have not followed suit abd equifax removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also equifax has continued to update and XXXX accounts that were closed! Like XXXX XXXX which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2020 EXPERIAN replied to my request for Verified Certification of your records for my credit report. EXPERIAN stated that Verified Certification is not available for EXPERIANS records pertaining to my credit records.

EXPERIANS continued storage and relaying of any unverified and uncertified records regarding myself is cause for tort claims against EXPERIAN for damages.

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 2017-08-03
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife is XXXX, we are new to this country. we had medical insurance XXXX, initially we have found a doctor XXXX had a visit a doctor XXXX XXXX. We got to know that the doctor XXXX XXXX is not in our network, after understanding of the insurance, we found a doctor XXXX XXXX who is in the network. XXXX XXXX office ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) has given appointment on XX/XX/XXXX we went to doctor 's office XXXX XXXX, office located in 3 floor, elevator was not functioning. After we visit doctor XXXX XXXX, she asked us to submit the previous ( XXXX XXXX ) medical documents, which we do not have at that time.She told us she could not give medical treatment with out having proper medical documents. She has done XXXX XXXX ( some very old equipment ) and XXXX XXXX XXXX and asked me to get the medical documents as soon as possible, since they have contacted Doctor XXXX XXXX 's office they did not get any response. Keeping all that in mind I found another doctor, and made phone calls and emails, I could not bring medical documents, hence asked to cancel next appointment and stop doing all further process if any. OnXX/XX/XXXX to my wife 's phone number, Collections agency made phone call and asking us to pay around {$1200.00}, we have not received any service except some XXXX XXXX that was not even clear. This seems to be annoying and bad, now the collection agency XXXX XXXX XXXX XXXX   threatening my wife to pay otherwise serious consequences. * I have all my email conversations as a proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a victim of a paypal chargeback scam, where the client paid money for services, then did a chargeback, and Paypal didn't investigate or advocate for me nor did they provide contact info of the client 's bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: WestGen Lending, a DBA of Beckam Funding
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am writing this to express how frustrated we are over this situation I cant get answers when will I get funded!! The bank Westgen Lending are very unprofessional and been giving me the run around for one month to close and nothing has happen yet! They keep ignoring my calls and fail to contact me! My family and my self are very disappointed & annoyed with this situation. When I picture buying my first home all I thought it would bring happiness and joy!!! especially during this time of holidays!!! Instead were getting the opposite!! a bad experience! Stress and and unprofessionalism!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: WELLS FARGO & COMPANY
State: WA
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 received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. Wells Fargo will not remove it

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 2018-03-28
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:
I received a copy of my credit report from Experian and XXXX XXXX and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to Experian and XXXX XXXX on four different occasions requesting an investigation for state public record listed to my report. I requested Experian and XXXX XXXX Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Washington stating " The U.S. Bankruptcy Court and public records does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. Experian and XXXX XXXX is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any public accounts to my report referencing Bankruptcy information.

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 2021-09-22
Company: The CMI Group, 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'm seeking validation of this debt that is said to be owed, I have not opened such account with Credit Management LP. 
I've reached out to XXXX, XXXX and XXXX multiple times and this such debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I was to receive a refund in the amount of {$200.00} to my credit card following a car rental with XXXX but because my credit card was cancelled by the Bank of America due to my card being compromised the refunded never made it back into my account. Bank of America then pulled the amount from the vendor returning it to me stemming an investigation. XXXX turned in incorrect documentation stating that a refund was issued in the amount of {$200.00}. I then submitted documentation that the refund of {$200.00} that was issued by XXXX was for a prior rental. I have sent in several supporting documents to prove that I am entitled to a refund of {$200.00}. Yet both XXXX and Bank of America has yet to make good on returning my refund amount of {$200.00} and has just ignored the situation all together.

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 2018-02-10
Company: ID Analytics, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, I was told that this reporting agency is fraudulent and reports to creditors a lower score and I needed to file a complaint.

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 2019-05-29
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Cascade Capital has repeatedly attempted to collect medical debts that do not belong to me through various collection agencies, the current one being XXXX XXXX. I have requested debt validation through the collection agencies and have only received one page -- a printout from a computer ledger that does not fulfill the validation requirements. Based on the information provided by a collection agency, I have determined that the accounts in question were opened in my name as a result of identity theft. My identity was stolen in numerous breaches of the credit reporting agencies as well as XXXX. I notified Cascade Capital of this information via certified mail, return receipt requested. They received the notice but have failed to act. Their agent, XXXX XXXX, continues to report inaccurate information to all three credit reporting agencies. Furthermore, XXXX XXXX has failed to validate the debt as required by law. Cascade Capital continues to allow this inaccurate information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, 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:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately. 
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: MI
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:
am writing to delete the following inaccurate, contradictory information in my file. The items I deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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:
I am writing to dispute the following information in my file. I've tried to send my disputes to the credit bureaus but i'm not getting much help.

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 2017-08-03
Company: Experian Information Solutions Inc.
State: MO
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:
Attempted to contact Experian about the issue XXXX XXXX, 2017. Experian denied my request to review the account and repair the issues. I have student loan accounts that are all showing missing payments for dates of which the accounts were in forbearance. There is also a collections account that was closed in a recent bankruptcy.

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 2021-02-24
Company: Central Portfolio Control Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Central Portfolio Cont XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX Ph # XXXX I received a letter from XXXX XX/XX/2020 Central Portfolio Cont indicating that I opened an account with them on XX/XX/2020 and that I now owe them, {$8900.00}. They said the account is closed. It is showing as derogatory on my credit report. 

I dispute this claim of indebtedness in its ' entirety. I do not recall having any contact with this company or owing them any money, nor do I recall appropriating any benefit from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity has been compromised by someone that I do not know. Please feel free to give me a call with any questions or concerns at 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 2018-03-28
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My homeowner 's insurance premium is included with my monthly mortgage payment. The servicer has not paid the annual premium for the last 2 years. XXXX XXXX has records that the annual premium notice was sent 30 days prior to the renewal due date. The servicer lets the insurance cancel then the servicer adds force-placed insurance and makes me pay the premium. In the meantime I spend hours on the phone trying to get this straight. The money to pay the premium is in escrow. My premium is {$710.00} a year. The force placed insurance is {$80.00} a month and once the XXXX XXXX premium is paid there is no refund for the force placed insurance. 
Alabama Housing Finance Authorities DBA as XXXX. Address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Alabama XXXX Phone XXXX

Company response to consumer: Closed with explanation