BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: Mountain Run Solutions, LLC
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company is and has been holding back monthly payments, so we had to void out the two months for XXXX and XXXX for they have not cashed the checks. So now church that's been helping myself my Brother XXXX is living with me now their not going intel PHH Mortgage services start sending us a real Billing receipts on the monthly payments. So in closing can you Help us, Now this tried doing almost the same thing last year. I am sure I'll be sent a default for a failure to pay notice and late fees and foreclosure as well so thanks. P.S. Why are they doing this I mean that's illegal? sign XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reached out to the Federal Trade commission regarding fraudulent activity on my credit report. This information must be investigated and removed immediately as it is directly effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This account has been paid in full and is showing a late payment in XX/XX/2019 and XX/XX/2019. I'm in the process of trying to buy a home and the late payment reporting is affecting my chances of becoming a homeowner. Please consider as a Goodwill courtesy and that all other payments were made on time please consider to update as a Goodwill courtesy. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).

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 2021-06-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
After my car was deemed total loss by the insurance company, My original auto loan was sold of to another company called XXXX XXXX XXXX. The new financial company informed me that my title to the vehicle would be released to me once all payment was submitted by the insurance company and the GAP department. I have never received any detailed break down of payment and principal balance after the last check was issued from afa claims ; in the amount of XXXX, during the month of XXXX.I demand an up to date document that was reflecting my balance tome emailed or mailed to my address. XXXX XXXX XXXX the most recent statement I have from XXXX XXXX XXXX, reflects the principle balance of XXXX, no interest fees, no late charges, no other fees owed, no stipulation of fees being added.In addition to that, the minimum payment reflected a due date of XX/XX/XXXX. This small dollar amount left on my account is for payment in exchange for right to obtain the salvage title to the vehicle. As of XX/XX/XXXX, I called to inquire about the full pay off amount for the title. I was told that my entire balance changed although no representative could assist me. I spoke with several people include XXXX XXXX. He was unable to provide me the reasoning or the detailed break down as to how or why my account balance changed. When asked for someone to email me an up to date bill. I was told NO. At that point, My phone call was being re directed to an individual named XXXX XXXX answering machine service, because I was told my account file was being put on the market, " remarkting. " I informed XXXX XX/XX/XXXXthat did not wish to have my account sold off, I only wish to pay my true principle balance so that I may obtain my title. Its been 24 hours and I still have no update emailed of a statement that reflects their claims of m, y account balance changing. This company is operating is a fabricating their information. This company is presenting fraudulent information to me. Please help me.

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 monetary relief
Consumer complaint received 2017-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
My complaint is against XXXX : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that XXXX were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. Three separate disputes were filed with XXXX ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : XXXX Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, XXXX is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XXXX_Experian Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from XXXX and Experian credit reports, although when comparing them the payment history does not report the same patterns ... see XXXX and Experian attachments

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 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My complaint is against XXXX : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that XXXX were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. XXXX separate disputes were filed with XXXX ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : XXXX Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, XXXX is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XXXX  Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from Transunion and XXXX credit reports, although when comparing them the payment history does not report the same patterns ... see Transunion and XXXX attachments

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 2020-09-25
Company: EQUIFAX, INC.
State: NY
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:
There's a XXXX XXXX and XXXX XXXX account on my credit report that I have no clue about. I contacted the Credit Bureau and the Collection Agency for these accounts in XXXX. I haven't received any information regarding these accounts, I only noticed on my credit report " Account Disputed By Consumer '' I followed up with the Credit Bureaus and the companies, as I haven't received any information regarding these accounts and I still haven't received any information, only stating that I owe this account and it's verified from the past. None of the account information listed on the Credit Reports align and I don't know how this account would be verified and I haven't got any information from XXXX XXXX and I don't recall service with a XXXX XXXX  ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018, my daughter drove me to a chase atm to attempt to withdrawal {$300.00} dollars for my checking account. She assisted me with the transaction. However, when it was time for the atm to give the money, on the screen appeared a message saying that the atm machine was unable to give cash. So we retrieved my debit card and waited for a transaction receipt but the machine did not print one out. Therefore, my daughter and I left without any money and receipt. About two weeks later, I checked my bank statement to check my balance and in the statement it appeared that I had withdrawn {$300.00} dollars, which was incorrect because that night the atm did not dispense any money. 
My daughter then assisted me with contacting Chase bank to address the problem and gain my {$300.00} dollars back. The Chase representative then said it will take 10 days for them to review the case and will then contact us with the outcome. 10 days later, I received a later from chase stating that the transaction was processed and that in fact the money was given by the atm. I then chase bank contacted by phone again and asked for them to review the surveillance video to verify that the machine did not dispense the {$300.00} dollars. They then said I needed to file a police report because that would be the only my way to gain access to the surveillance video. I attempted to file a report with the XXXX XXXX XXXX sheriffs department. A deputy was sent to my home where the deputy informed me that they couldnt do anything about it. To this day I have not been able to gain my {$300.00} dollars back and I have not been able to get the right guidance and help to obtain my founds back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 I was notified of a collection account via a credit monitoring service. The collection is for a debt which does not belong to me and has been successfully disputed previously. However, the original creditor continues to hire different collection companies to erroneously collect this debt. Most recently the collection was attempted by XXXX XXXX XXXX. Please see Consumer Financial Protection Bureau file number XXXX. In the file, XXXX XXXX XXXX made false statements, and ultimately ceased collection efforts. Law Office MBA, of XXXX, TX is now attempting to collect this debt. Their client, XXXX XXXX, knows or should have know the debt is not mine. I am basing this on the repeated communications I have had with their collection companies and information I have provided. If CFPB is unable to resolve the matter I would appreciate information and resources on filing a lawsuit against the various parties involved. They have willfully disregarded prior communications and evidence provided to them that the debt is not mine. Attached are the original police report from the XXXX County Sheriff 's Office and letters noting the account has been returned to the original creditor. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of 2018, I was a victim of Identity theft. I filed a valid police report via the FTC website, wrote a letter and supplied the appropriate documentation required by the FCRA. 

I sent the letters via certified mail, faxed and uploaded copies each containing copies of my FTC report, my credit report with the fraudulent items highlighted as well as a written statement and proof of my identity. 

I have called multiple times and each time they give me a different excuse. Either they never received the letters, or they claim the Drivers Licence was illegible ( which it was not because a supervisor confirmed that it was legible and properly attached to my file. ) I spoke with the supervisor XXXX ID # XXXX and another ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2012, my now ex-girlfriend added my name as an authorized user on her {$10000.00} limit card from Wells Fargo. She maxed out her card, and now the bank is reporting my to credit agencies. As an authorized user on an account, I can not be held liable for the debt incurred. The bank does not seem to understand this.

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 2021-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/21 I checked my Bank of America App and it showed a transaction processing for XXXX. I then got a message board and XXXX of your stockholders XXXX XXXX  XXXX XXXX was bragging that she blocked my transaction because she wanted my po box in the XXXX area XXXX area, Can you believe the levels people go to just to get a XXXX XXXX XXXX I became alarmed and checked BOA app and it showed someone had placed a credit of XXXX on XX/XX/21 around XXXX. I then received a email from USPS with the following messaged " We attempted to authorize your credit or debit card payment for the following po box , but the transaction was not successful. " ; there was no reason for the transaction to be blocked because all the funds were in my account. So I now need to know first why are you allowing stockholders/ or stalkers the ability to access customer 's account and this needs to be investigated because I should not have someone who is stalking me, also able to access my banking information regardless if their a shareholder or not. Bank of America needs better banking policies intact to prevent these things from happening to consumers.

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 2021-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Franklin collection services has added {$160.00} in collection debt to my credit report from XXXX XXXX XXXX XX/XX/2020. I never received any notice prior to today when my credit score was noted down XXXX points. I have previously disputed this charge with XXXX XXXX The debt is removed and put back on serveral times and these people are trying to ruin my credit. I cancelled my account with XXXX XXXX in XXXX of XXXX I paid what I owed. The XXXX XXXX customer service said they couldn't stop my service until my billing cycle ends. I reported I must turn service off now. 3 weeks later my service was discontinued and then I got a surprised bill for {$160.00}. XXXX XXXX refused to stop service when I wanted, then they charged an additional monthly payment. I cancelled it because of COVID-19 and I was out of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Experian Information Solutions Inc.
State: CO
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:
Experian has  XXXX  items on my credit report that do not belong on there.   XXXX   1.   XXXX   XXXX  Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway.   XXXX   2.  On my  XXXX   XXXX  they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately.   XXXX  It is apparent they are trying to hurt me financially.

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