BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: AG AH LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We have been trying for 7 months to get ARC Home LLC to correct an accounting error they made which led to our payments being suspended and reported as delinquent. We have not missed any payments nor been late with any payments. In XX/XX/2019, we received an escrow statement indicating a shortfall. We paid the shortfall in full to avoid an increase in the payment. We also paid the new mortgage amount for XXXX - in a separate check so it would be clear what each check was for. They misapplied the escrow payment as a principal only payment. They also suspended our mortgage payment because it was considered " short '' because they did not record the escrow payment correctly. We have called countless times over the past 7 months and have not been able to resolve the situation. We have filed written complaints with detailed descriptions of dates and times of our communications as well as copies of our payments. We were recently informed the issue was resolved and closed despite never providing us with a letter stating the delinquent report was their error, or notifying the credit reporting agencies of such. It has negatively impacted our credit, and is preventing us from refinancing the mortgage to rid ourselves of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
CASHCALL INC Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$2600.00} written off. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX a few years ago CASHCALL INC reported this fraudulent collection on my credit report. When asked to validate they send me blank -UNSIGNED contract that has name of a person similar to mine. As I disputed they stopped calling me but now I show they are still reporting this erroneous collection on my credit report. When I called to dispute this account they stated they were taking me to court on this account I did NOT open back in 2012 ... isn't this illegal to do? now they stated they are planning to garnish wages and are offering a settlement for account that is not mine in first place and they could not provide proof of this debt or my signature of this debt..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. XXXX XXXX CAM Escalations Analyst you stated in your response to me that " 22 property inspections fees of {$14.00} each assessed by XXXX due to delinquent status of your mortgage loan between years XXXX and XXXX ''. However, a review of my mortgage history shows my mortgage payment was made for the months in that year. I can't see the justification of these excess illegal fees. My mortgage was not in foreclosure and not was it excessively delinquent. What are these ( 22 ) {$14.00} fees for?

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 2021-07-19
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: WELLS FARGO & COMPANY
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:
XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-02-21
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:
CRA VIOLATION / TOO MANY INQUIRIES NOT AUTHORIZED BY ME / CRA VIOLATION ACCOUNT NEVER LATE.

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 2021-07-19
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The credit reporting agencies are reporting a bankruptcy which is against the FCRA privacy law. I don't recognize this public record so I contacted the courts and they stated that the information I gave was never furnished by them because they do not report my private consumer information. Please provide proof from the court that they provided this information because by law the credit reporting agency can not publish information from a third party or without my written consent. Therefore this public record is inaccurate and I demand it be deleted immediately for violation of my right to privacy under FCRA 15 USC 1681b ( 2 ) and the credit reporting agencies didn't have permissible purpose to furnish this information. They are also violating FCRA 15 USC 1681i Procedure in case of disputed accuracy ; if this is not deleted in 4 days I will file a ftc, XXXX, and attorney general 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 2018-06-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
T his reporting agency is reporting inaccuracies on my credit report. They are reporting a bankruptcy that IS NOT MINES! I have sent XXXX  SEVERAL dispute request as well as filed phone disputes. I have been lied to on several occasions stating that an investigation to VALIDATE the bankruptcy has been done, but NO documentation has been provided to me where XXXX has received validation from the the courts. Ive provided documentation from the bankruptcy court as well as XXXX who they utilize as a data furnisher proving that it is not mine and they are refusing to remove it. I spoke with a supervisor today who informed me that they will not remove it even after providing the appropriate documentation from THEIR DATA FURNISHER investigation deleting the record ( not mines ) as well as documentation received from the courts. I was also informed on the same call that they dont Request get validation of debt documentation from the court which is an outrage. So I was basically told that the debt can not be validated but they will still report it! Ive scheduled several callbacks for a supervisor, but that has not worked out asthey were supposed to call me months ago and I have yet to receive a callback! They are just doing what they want to do and this is an outrage! All supporting documentation has been sent and they are still refusing to remove the inaccurate 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 2020-05-10
Company: Experian Information Solutions 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:
AFTER APPLYING FOR A HOME MORTGAGE, I WAS HORRIFIED TO DISCOVER THAT THERE WERE SEVERAL ITEMS THAT DID NOT BELONG TO ME. I REACHED OUT TO THE THREE MAJOR BUREAUS TO NO AVAIL AND ALSO TO THE COMPANY REPORTING THIS INACCURATE ACCOUNT. IT MUST COME OFF.

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 2021-07-19
Company: Experian Information Solutions 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:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX 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 2021-07-19
Company: EQUIFAX, INC.
State: MD
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:
The credit reporting agencies are reporting a bankruptcy which is against the FCRA privacy law. I don't recognize this public record so I contacted the courts and they stated that the information I gave was never furnished by them because they do not report my private consumer information. Please provide proof from the court that they provided this information because by law the credit reporting agency can not publish information from a third party or without my written consent. Therefore this public record is inaccurate and I demand it be deleted immediately for violation of my right to privacy under FCRA 15 USC 1681b ( 2 ) and the credit reporting agencies didn't have permissible purpose to furnish this information. They are also violating FCRA 15 USC 1681i Procedure in case of disputed accuracy ; if this is not deleted in 4 days I will file a ftc, XXXX and attorney general complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchase something on XXXX XXXX and I did pay through XXXX and I trusted this guy to pay through it. And now he scammed me worth of {$800.00}. I still have his number and some screenshot conversation. And it happens on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX is charging an alleged late fee I told them I disputed it, called customer care and the bank XXXX  and they repeatedly call and harass me even at work ( 10 times a day ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12
Company: EQUIFAX, 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:
I am a victim of identity theft. i submitted my identity theft report to Equifax to have the information blocked according to the ftc that i have the right to do. I was not given a reason why they refused to block the information. Instead they keep disputing the information with the consumer and it comes back verified. I have been trying for months to get this issue resolved but to no avail. the accounts are XXXX XXXX XXXX and a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Experian Information Solutions 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:
I disputed unauthorized hard inquires XX/XX/XXXX and XX/XX/XXXX. Indeed, no formal documentation to support these unauthorized hard inquires. I just ask the following inquiries be removed immediately. 


1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. 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 explanation
Consumer complaint received 2018-04-30
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 disputed a fraudulent account from XXXX XXXX  Acct # XXXX open on XX/XX/XXXX. I disputed this account on XX/XX/XXXX it was deleted on XX/XX/XXXX only to be place back on my Experian credit report. I have dispute 2 more time with an resolution of verified. I ask for the verification but have not received anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX, and I am writing to whom this may concern today to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Risecredit, LLC
State: KS
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 wrote the company and told them this inquiry is not mine and I was a victim of ID theft. They told me to supply a police report, which I did. Once I did they would not accept it because it did not list them as a creditor -- they are NOT a creditor - it's an inquiry I am trying to remove and there is NO PLACE for a CREDITOR on the police report. I told them this is what they asked for and this is what they got. They refuse to proceed further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: TD BANK US HOLDING COMPANY
State: NJ
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 saturday i purchased a tour in XXXX for me an my child with this card. i was excited about it. unfortunately the tour guide was not so good and it was not enjoyable. i did contact the company to let them know he did not speak loud for all he did not wait for all before he kept walking and i wanted some of my XXXX dollars back. i have heard nothing. i emailed. i will pay for the museum which was part of the money but noit tour. it was awful. every time i tried to connect with disputes i get disconnected. i have never disputed an item before with XXXX XXXX XXXX please refund half after talking to them XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Ridge & Valley Realty, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collection agency that my medical debt was sold to is trying to collect {$1000.00} OVER the actual owed amount, with no itemized statement explaining WHY it is they're charging me that much over the actual balance. In Colorado the company can only inflate the debt if I agreed to it and signed a contract, which I did no such thing. I understand it is my responsibility to pay the original balance, but grossly inflating the amount owed is disgusting and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Over the last 6 years i have paid accessed over 2000 dollars in late fees. These fees should be waived. They are also in the middle of a class action lawsuit that was awarded for these types of loans and fees. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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:
Upon research of the Fair Credit Reporting Act removing and replacing an item on a persons credit report is Illegal and this company XXXX XXXX had removed this account from my credit report on XX/XX/2021 and then placed it back on my credit report XX/XX/2021. XXXX XXXX needs to be removed from my credit report permanently. This account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Khohls/CapOne is currently reporting a CHARGE-OFF on my credit that they have sold to different companies. These companies have determined that I AM NOT responsible for this account. And have removed them from my report. 
The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification to verify these accounts. According FCRA 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days of receipt and must promptly give you additional relevant information provided by the consumer if the Original creditor does not respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files Kohls/CapOne is also violating FCRA validation laws. 
in XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX, -- - XXXX XXXX -- - ( XXXX XXXX. XXXX ), XXXX XXXX XXXX ( XXXX Cir. XXXX XXXX ), XXXX XXXX App. XXXX  XXXX XXXX, because credit reporting may be considered collection activity, debt collectors should not furnish information to the credit reporting agencies until the validation/verification period has expired and the debt collector has not received a dispute. Then the debt collector wont have to request deletion of the trade-line to avoid violating 1692g ( b ) in the event it can not validate the account. 
XXXX, XXXX, XXXX are also violating the Fair Credit Reporting Act, 15 U.S. C. 1681, etseq.., and their actions violated the Fair Debt Collection Practices Act, 15 U.S. C. 1692, as was pointed out in the lawsuit. XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX ), 1. The account originated from a different address than my own. 
2. The Statute of Limitations for Companies to Collect on a unsecured contract is 4 years in the State of California. 
3. XXXX and XXXX  have NOT done a proper investigation of these accounts. To Reply to me with a FORM letter is Violation of FCRA 605 and FCRA guidelines for INVESTIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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