BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: CA
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:
I recieved an updated credit report from Equifax today XX/XX/XXXX as the result of a dispute I submitted recently. 

The report # XXXX indicated that the fradulent inquiries were removed : XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX On the very copy of the report that they sent to me it shows currently still on the report. 

I have included copies of the documents they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Debt Recovery Solutions, LLC
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:
I disputed it and they had denied it this is not me I have health insurance and do not go to XXXX emergency rooms when I have XXXX and only go to there locations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: VA
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:
When I applied for a car loan I was denied because my credit came back bad. When I looked m my credit report I saw several things that were not mine and should have never been on my credit : XXXX XXXX. XXXX. 
XXXX 'S XXXX XXXX. XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. 
XXXX. XXXX. XXXX XXXX CR XXXX. XXXX XXXX. XXXX XXXX. XXXX 'XXXX XXXX XXXX XXXX. I was instructed to contact the police department locally and FTC, and I've done both.

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 2017-12-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
on XXXX XXXX XXXX I requested federal disaster relief from Wells Fargo the loan services on my XXXX XXXX Harp refinance. Wells fargo told me XXXX XXXX loans do not qualify and said they would investigate and see if there investors would allow this. They still have not answered 100+ days later. nor have they answered my two previous CFPB complaints other than to ask for more time. They then refused to post the payments i was making. They are lower than pond scum and belong in prison. both XXXX XXXX executive resolution specialist and XXXX XXXX Sr. VP refuse to return my calls. I hearby request that you fine them and ban them from servicing loans. There refusal to comply with the federal disaster declaration has cause undue financial stress, and resulted in a number of over draft charge from my banks when i was trying to comply. There actions mean I ca n't afford a XXXX  tree nor any presents for my family. 

Please inform them that there actions are not only illegal but immoral and ban them from the HARP program and servicing any federally back home mortgages including VA, HUD etc. 

They also have refused to supply me with the information i requested 30+ days ago under the dodd-frank wall street reform and consumer protection act pursuant to 12 u.s.c sections 2605 ( e ) ( 1 ) ( a ) and reg x section 3500.21 ( e ) ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-12-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen has failed to deliver any solution to my financial hardship and I would add Failed miserably to deliver minimum standard to Help homeowner is what we do according to their motto 1. It took Ocwen over 4 months to complete my loan modification package by demanding income info, only to reject the modification and add salt to the wound by telling me that gross income is N/A not applicable???? 

2. Loan repayment, I requested a repayment plan as my income is increasing from current monthly {$4500.00} to be {$6000.00} in 2019 due to my efforts to complete renovations and upgrades against all odds and rent the rentable portion of the property despite ZERO help from Ocwen The total amount Ocwen is demanding on a 5 month Hamp approved modification mortgage payment of {$1300.00} is 12,000..!! 

{$1300.00} x 5 = {$6800.00} the rest is misc, fees, and escrow which is 50 % of the total amount demanded and of the {$12000.00} only {$2000.00} is towards the principle payment. The remainder is pocketed by Ocwen with the exception of tax and insurance 3. I spent 4 months with auditing the account and after receiving no valid response, I was forced to file an official complaint with the Consumer Financial Protection Bureau, then I started to receive responses I have proven that Ocwen has a consistent pattern of questionable transactions and discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Ready Capital Corporation
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 account has been fraud since XXXX Im not sure why they insist to keep putting on my credit. Please I request this be deleted immediately. Ive tried every Angel to have removed without luck. There has been XXXX report sent in an person in XXXX. I want this deletes now. 
The next steps is hiring an attorney.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-06
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: Account status incorrect

Complaint:
Information not reported correctly on experian credit report. Creditor does not provide what months I paid on-time, what months I was late, instead they have just stated I defaulted.

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 2022-02-02
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: Card was charged for something you did not purchase with the card

Complaint:
I have a XXXX XXXX credit card, my ill on the cruise was XXXX, when I got home checked my credit card there was charge from XXXX XXXX company for {$6800.00}, I dusputed with Bank Of America, XXXX send a fake receipt that it was charged on XXXX of XXXX, I got mt last bill after checking out, it clearly say 's final, Bill

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 2023-06-12
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ON XX/XX/XXXX, at XXXX ( PST ) a man served me with papers. Reading papers it was from XXXX XXXX. A bill from XXXX. Contacted XXXX to find out what bill this was since I never received any notification that a bill was in jeopardy. Was told account was sold to XXXX. They in turn stated the bill was OUTSOURCED and was unable to give any information and contact attorney that is doing, but the attorney is requesting by the court for me to locate documents proving I don't own this account. If I can't get original documents or charge off paperwork how can I prove anything? No communication from anyone by phone or mail has been received. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-03-07
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I made a purchase from XXXX XXXX from my cash app debit card. The transaction was cancelled and XXXX refunded the money back to my debit card. They provided me proof of the transaction. As of today, XX/XX/XXXX Cash App.has not returned my money. They first told me I had to wait 10 days. I called back in 10 days and they told me I had to wait 14 days. At 14 days they said I had to open a case. I did that. On XX/XX/XXXX they told me I had to wait 45 days. They owe me a total if {$350.00}. XXXX provided transaction info. I am getting the run around from Cash App and nothing is happening. If I email back in Case no one responds. If I call, they say I have to talk to people handling case. They will have them call. This never happens. Contacting you is my last resort before I file suit on Cash App. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Capital One Secured Credit card. I have opened up a secured credit card with this company this summer 2018. I have my 3 credit reports and Capital One refuses to report to XXXX Credit Reporting. I have called them 5 times and they refuse to comply with Federal Law and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Regarding Account ending in XXXX Capital One Case : XXXX Previous CFPB No : XXXX Capital One references a XX/XX/2018 three-way telephone conversation with a representative from XXXX XXXX, stating the return in dispute was pursuant to the merchants policy. This is a false statement. The agent was unable to provide a reason for the return to be denied. Additionally, XXXX XXXX stated in writing the item was returnable provided with a valid proof of purchase. This document was provided to Capital One. The merchant verified I would be able to return this item after I purchased it to convince into making a purchase for a more expensive model. I was told I could buy the more expensive unit and just return the one purchased on my Capital One Card. However, the merchant failed to accept this return for this item only. After this return was denied the merchant accepted returns or exchanges on other items without incident. Their claim the purchase disputed was denied in adherence to their return policy is invalid. The item was verified returnable prior to purchase, post-purchase, and post-return denial. 

I routinely contacted Capital One to determine the status of this ongoing dispute which Capital One agents confirmed my response to the merchant 's initial response was never submitted to the merchant. Multiple Capital One agents further acknowledged on recorded phone conversations the second dispute opened with additional information and documents was sent to the merchant. However, the merchant failed to reply to this dispute. 

I repeatedly called in to check the status of the dispute as it was the only charge on my card and as it was in dispute not required to be paid for. Capital One agents repeatedly informed me the dispute was still ongoing. Despite being informed multiple times on recorded phone conversations by multiple agents the dispute was still ongoing Capital One began charging interest and late fees on the balance which was in dispute entirely. Shortly thereafter Capital One began reporting my account to the CRA as delinquent and late despite still informing me multiple time the charge in question was in dispute on recorded phone conversations. Requests to be contacted by a Capital One employee capable of correcting this illegal adverse action and negative reporting the CRA 's was not received for months, while Capital One agents realizing the acknowledging the disputed charge was still being investigated refunded the interest and late fees assessed in error. 

By failing to comply with billing error regulations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: Credit Bureau Services Association
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have not received a bill in the mail for the past 3 months. So I was unsure how to pay or where to send the check too. I finally called and payed over the phone. Point is I missed one payment and it was payed just late. And they put a derogatory mark on my credit. It knocked my credit score down almost 100 points! Which is ridiculous. Ive always paid on time and have had excellent credit up until this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Rent Recovery Solutions
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already submitted two complaints with you guys for apartments that were wrongfully leased in my maiden name ( XXXX XXXX ) One was for an apartment in XXXX XXXX XXXX XX/XX/2022. The second one was for an apartment in XXXX XXXX called XXXX XXXX. This one is for another apartment in XXXX XXXX XXXX  called XXXX XXXX XXXX apartments. It says the account was opened on XX/XX/2022 and I owe {$2900.00}. Once again, this was not me doing this. I have never even visited these states.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Their investigation did not fix an error on your report

Complaint:
I MAILED IN MY DISPUTES WITH ACCOUNTS THAT WASNT MINE, NOBODY RESPONDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The car was traded in and paid for. Chrysler capital in the amount {$25000.00}. Want it remove from credit or to show paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX

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