BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-27
Company: EQUIFAX, INC.
State: LA
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:
The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX  ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX  XXXX XXXX, XXXX, LA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CAPIO PARTNERS added a collection to my credit reports without my knowledge. 
I have never received any written correspondence from this company. CAPIO PARTNERS reported this collection to XXXX, XXXX, and XXXX in the amount of {$420.00}, opened on XX/XX/19. This information is invalid. I have no knowledge of where this debt comes from. I have not received any correspondences from the original creditor or this company. CAPIO PARTNERS putting this collection item on my credit reports without my knowledge violates the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. This letter is required under law and states my right to dispute the validity of the debt within 30 days. They took that away from me and it is illegal to do so. They have not only done this once, but TWICE without my knowledge on XX/XX/19 and XX/XX/19. This item needs to be removed from XXXX, XXXX, and XXXX immediately as I have no business with CAPIO PARTNERS nor was a debt validation letter sent to me. No signed contract by me, bill, nothing. This needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15
Company: BANK OF THE WEST
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I originally set up an account with the Bank of the West. I am not confused I am perplexed by the coincidence of my account being open on the account managers computer before I even decide to speak to any account manager while I am in the bank. Suffice to say, I was not pleased with the customer service. I was not pleased with the product services. This was a bad experience all around within the first month of opening the account. I made payments to my account that were not applied to transactions. Bills not being paid with bill pay. I noticed all my payments were going to fees. It seemed only fees were being paid.. Bank fees as well as merchant fees. So, I ended my affiliation with Bank of the West. And attempted to closed the account -> after talking with a customer representative of Bank of the West on the phone ( 1 800 number ) and making one more payment. I say attempted to close my account because apparently the account was not closed. Allowing fees to accumulate for over three more months until closed by Bank of the West. Still Receiving partial refunds ( paper check and credit ) in the process.

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 2019-01-12
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency dont listen to me talk right over me and insist debt is mine ask them send proof of signing papers or copy of contract to verify signature never did get response The company is CBE Group and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: MidAmerica Mortgage Inc
State: WA
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:
InXX/XX/2019Mid America Mortgage stopped reporting to the credit bureau which caused my credit score to tank drastically. They have yet to report even after many attempts to get them to report. Credit bureaus will not allow you to report your mortgage even with verified payment from mortgage website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Credit Corp Solutions Inc.
State: GA
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/2022 I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT. I REPORTED THIS TO MY LOCAL POLICE AND FILED A FTC AFFIDAVIT. I CONTACTED EACH COMPANY THAT HAD REPORTED FRAUD ACCOUNTS IN XXXX. EACH ACCONT HAS BEEN CORRECT BUT XXXX XXXX WHICH WAS PURCHASED BY CREDIT CORP SOLUTIONS. I AM NOW AWARE THAT THIS COMPANY IS IN TOTAL VIOLATION OF NUMEROUS OF MY RIGHTS UNDER THE FCRA AS WELL AS THE USC. FOR STARTER THIS COMPANY IS IN VIOLATION OF FCRA 615 ( F ) ( 15 USC 1681M. IT IS ILLEGAL TO PURCHASE OR TRANSFER A DEBT CAUSED BY IDENTITY THEFT. THIS COMPANY IS ALSO IN VIOLATION OF 15 USC 1692G ( A ). THIS COMPANY NEVER CONTACTED ME ABOUT THIS DEBT PRIOR TO PLACING THIS DEBT ON MY CREDIT. AS A CONSUMER, I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO IT BEING PLACED ON MY CREDIT. THIS COMPANY HAS FAILED TO FOLLOW THE STANDARD GUIDELINES OF DEBT COLLECTION AND I AM NOW SEEKING REMEDY. AS STATED, I HAVE ATTEMPTED TO RESOLVE THIS ISSUE INXX/XX/2022. ACCORDING TO 15 USC 1681C ( 2 ) ANY COMPANY THAT FURNISHES INFORMATION TO ANY CONSUMER REPORTING AGENCY SHALL HAVE IN PLACE REASONABLE PROCEDURES TO RESPOND. THIS COMPANY HAS NOT RESPONDED TO ANYTHING. I HAVE REPORTED THIS COMPANY TO CONSUMERFINANCE.GOV AND I AM 100 % PREPARED TO SUE THIS COMPANY. UNDER 15 USC 1692K A ( 1 ) I AM ENTITLED TO ACTUAL DAMAGES SUSTAINED BY THIS COMPANY REPORTING THIS DEBT AS WELL AS ALL COURT AND LAWYER FEES. I AM AGAIN ASKING THIS COMPANY TO REMOVE THIS DEBT AND MY INFORMATION FROM THEIR DATABASE OR MYSELF AND ATTORNEY WILL PROCEED WITH COURT FILING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Collins & Hilton Asset Group, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I first contacted Collins Asset Group by certified mail ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/2019 requesting that they send me documents to prove the debt for the amount they were claiming I owe. This letter specifically asked for the SURPLUS AND DEFICIENCY NOTICE and their authorization/license with the Texas OCCC being that they are now the holder of the retail sales contract because that is a state requirement. Collins responded by sending the sales agreement but they DID NOT send the Calculation of Surplus and Deficiency Notice as requested and is due to me upon request within 14 days of getting such notice as said by both federal and state laws, UCC 9-616. 

I then sent a second notice ( via certified mail receipt number XXXX XXXX XXXX XXXX XXXX and received in their office XX/XX/2019 ) saying that they ignored my request for this information, and Collins has yet to respond giving me what I asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. I have disputed This with the company many times. My name is common in the city I reside and way to often am I fighting with companies that charge me for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A little over 4 years ago I moved out of an apartment I shared with a room mate. I moved in with my then fiance. He was supposed to get the water bill switched over into his name. A few months later his mother passed away from XXXX and he moved back to Alaska. I have since lost touch with him. He never told me about this and I did not notice this until I opened a XXXX XXXX account a while back. 

Derogatory mark : Collection Opened XXXX XXXX I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, KY XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have an American Express Serve Care. There is a disputed charge on card for {$69.00} with XXXX, who Ive never heard of and cant contact for credit! 
I have store credits from XXXX, all made by merchant on same day! American Express has credited some but not all, for no reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: EQUIFAX, INC.
State: FL
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:
Equifax had made an error reporting a Hard inquiry by XXXX XXXX - XXXX and told me over the phone the inquiry isn't even mine but have done nothing to remove it, no emails, no calls, nothing. they have my name reported incorrectly and have not updated my address in seven months, the other credit bureau XXXX  has done everything correctly but Equifax has not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) XXXX XXXX   and resolved by the grantor ( s ) XXXX XXXX.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. 


I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. 

The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. 

Everything about this reporting, is not in compliance and illegal. 

I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( XXXX XXXX ) has authority over the courts. 

The property address for the mortgage/loan is XXXX XXXX XXXX  XXXX XXXX, XXXX, LA 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 2019-06-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone open an account in my name in XXXX of XXXX with XXXX XXXX. I noticed it on my credit in XX/XX/XXXX. I have filed a police report and a fraud report with XXXX and it now almost XXXX and I have no answers. My credit dropped 140 point from XXXX to XXXX. Every time I talk with XXXX they seem to have gotten nowhere. The police told me they notified XXXX about an IP address where these people applied for a card in my name months ago. 
This problem needs to be resolved since its ruined my credit. 
I want to sue not only the person that committed fraud but also XXXX for not verifying any information these people put on this application. It is simply unacceptable.

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 2019-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My debit card was to be replaced due to unauthorized use. With that in mind I explained to capital one that I was in another state working, and my card needed to be sent to this location. And my address had already been updated in there records with this address, and they sent it to the d address. And at this time in my need of my money from my account to pay my motel bill, capital one has refused any option to send wire transfer money to me, putting me out on the street in a city I dont live in nor know anyone. And yet they have done nothing but rudely argued that its not there problem and there is nothing as the representative said again today when she said let me advise you once again you will not get your card today. Even when the second card was issued and promised to arrive on the 29 which even there app has that listed. They have no remorse nothing to say about there fault with sending my card elsewhere and refuse to help me in anyway to get my money to pay my hotel bill. Ask for the recordings and see if that doesnt open your eyes to a deceiving bank that doesnt care about anyone. This has caused me to have to sleep on the street! Is this really how banking with these immoral people should be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Spoke with XXXX  company regarding this discrepancy back on XX/XX/2020! I was asked.to submit dispute and I was assured it would be removed as a repossession to open and paying off remainder balance due to a total loss ( vehocle accident ) for which insurance paid theur part, GAP paid their part and I paid off balance as of XXXX. All the time making payments since XXXX it shows as a repossession and has prevented me from getting another vehicle. Company shows it repossessed but it NEVER WAS REPOSSESSED!!! I need all this to be taken care of as I need a vehicle!!!!! If I was late then mark it as that but never a repossession when it wss never that!!!

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 2019-06-29
Company: EQUIFAX, 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:
Received alert on XX/XX/XXXX from credit monitoring company that my XXXX XXXX XXXX has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XXXX XXXX was 0 % and at XX/XX/XXXX it was at 64 %. 

Equifax and XXXX both are reporting that both accounts have been closed and settled. 
See attached documentation ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a 0 % interest promotional balance that expired on XX/XX/19. I checked the statement before that to ensure I had the right $ amount I was paying plus the monthly minimum, plus the annual account fee. 

They charged me interest of {$1.00} on the annual fee the same month they put the charge on my account. Now they have not applied my payment to the 0 % promo that was expiring and have charged me approximately {$98.00} in fees plus another {$1.00} in fees My statements show the amount was due, I paid it and they credited my account 3 days before the expiration and I paid more than what was due. 

I had two 0 % balances and they applied to the other balance that is due in XXXX instead of the one that was due in a few days. I had even received an email reminding me of this being due, so they have to know that was what I was paying. I've had promo balances before with them and other companies and never had this happen, they've always applied it to the right balance. 

I have been a customer for over 20 years with them and I just can not believe they are doing such inappropriate things. 

I have called two times and my first call which I waited over 20 minutes was disconnected and I had to call back. When I called back I decided to use the call back feature which said I would be called back. I have not been called back. I'm going to keep trying to call and resolve this in the meantime. But this just isn't right. I'm a good paying customer and I always pay my bill on time or early.

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 2020-06-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax report as of today reporting XXXX XXXX account is closed with a {$0.00} balance. Yet it says original creditor is a company by the name of XXXX. I have never signed any contract at anytime with a company by the name of XXXX and so I know they can not present an original contract or verification of debt from that company. Therefore, for XXXX XXXX to present a debt not owed by me from the original creditor XXXX, XXXX XXXX reporting I owe a debt they assumed from XXXX is impossible and so is clear contract fraud, consumer fraud, and a clear attempt at extortion through CRA reporting manipulation. Violations of the FCRA, FTC, and SEC.

Company response to consumer: Closed with explanation