BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: EQUIFAX, 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:
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 ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX &  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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: Their investigation did not fix an error on your report

Complaint:
All XXXX credit bureaus were reporting XXXX different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: CMRE Financial Services, 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: Public record information inaccurate

Complaint:
We applied for a home loan and and discovered that CMRE Financial Services was reporting medical debt collections for 3 accounts we were not aware of. They scored our credit a week prior and none of these collections were there. Also, in the reports they sent the mortgage company there is mention that the accounts were reraffirmed from Bankruptcy. We have never filed for bankruptcy and have maintained credit scores near 800 for several years. Once we were told about the medical debts which totaled {$310.00} We immediately called and paid those bills. We asked the company to delete the reports since we never received these bills and the statements having the reaafirmed from bankruptcy on the actions. They refused to delete the claim and were not cooperative when we asked. The reported collections have been paid and we need them deleted to rescore immediately because the small issue is inaccurately bringing down our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CarMax, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I, XXXX XXXX XXXX XXXX entered into a consumer credit transaction with CARMAX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CARMAX took cash. The finance charge is supposed to include insurance, but CARMAX made me purchase insurance separately. CARMAX failed to disclose my right of rescission. 15 USC 1635 defines the consumer 's right of rescission. 15 USC 1611 defines the criminal liability for willful and knowingly violating 15 USC 1635. 15USC 1640 defines the civil liability for violating the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Commonwealth Financial Systems, 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: Their investigation did not fix an error on your report

Complaint:
I sent a certified letter in XX/XX/2021 for {$1400.00} for a debt validation of original documents. The company did not send the original documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Bay Area Receivables, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received a notification from XXXX, XXXX and XXXX that my credit score decreased due to company called Bay Area Receivables Inc reporting erroneous debt. I never received information in the mail in regards to this debt nor was I ever contacted via phone. Bay Area Receivables reported 6 items presumed to be medical debt ranging from XXXX to XXXX dollars reporting on XXXX XXXX and XXXX I proceeded to dispute information with all the three bureaus online, and XXXX  was the only one to delete the information related to this company. On XX/XX/2021 I sent a validation/verification letter certified mail to bay area receivables to prove the debt. They did not respond within the allocated date of 30 days. I mailed certified letters to XXXX and XXXX requesting them to remove All negative accounts associated to Bay Area Receivables due to no response. XXXX Deleted all information immediately and XXXX did not. May Complaint is XXXX has yet to remove this negative items from my credit report following request to do so, and the fact it was removed by the other credit bureaus.

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 monetary relief
Consumer complaint received 2021-08-09
Company: Armada Corp.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Hello, I have tried several times to get to speak with XXXX as well as the credit companies ( XXXX, transunion and XXXX ) about the multiple inaccuracies on my credit. My student loan report " good, good, good '' for months in a row and then the following month will jump to 120 days past due. After that XXXX past due it will go back to good standing or they will not report for a few months. I do not understand this, however this is a reason I can not get approved for a home loan. Can anyone help with 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 2019-06-10
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dos of this XXXX  appointment was from 2015 and has been previously attempted to be placed on my credit. This bill was paid by Medicaid I was not working at the time of service. Medicaid patients can not be charged with the balance of a medical bill its illegal at least in WI it is. This should be removed from my credit report immediately. I attempted to contact the collectors and they refused to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent Equifax a dispute letter ( attached ) disputing a collection account that is listed on my credit report that is fraudulent. On XX/XX/XXXX, I was notified that Equifax  placed a XXXX XXXX XXXX XXXX  account in dispute status instead of the following account : Collector : XXXX XXXX XXXX Original Creditor : XXXX XXXX Date Assigned : XX/XX/XXXX Acct : XXXX Original Amount : {$86.00} Balance Owed : {$110.00} Date Reported : XX/XX/XXXX On XX/XX/XXXX, Equifax received my received my dispute and has refused to place the fraudulent account in dispute and remove the account due identity theft. Based on the my original request on XX/XX/XXXX, I am requesting Equifax to block the information from my credit file and remove the dispute status from the XXXX XXXX XXXX XXXX  account that I did not put in dispute. If Equifax fails to take the requested action, I will file a lawsuit for violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: VA
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  ; Experian and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX/XXXX XXXX  and XXXX. ( Please see attached credit report. ) I have also attached a spreadsheet with the account numbers to reference. These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-06-10
Company: Capital Markets Cooporative, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
At this point, I have filed a claim with my Owner 's Title Insurance Police at XXXX XXXX, I have paid for a reinstatement quote to the servicer XXXX and I have complained to XXXX 's department of errors and omissions, as well as filing a complaint with the NC Commissioner of Banks about the original documents from this loan. 

The bottom line of this is : The Deed of Trust is not valid. It's missing dates, seals and signatures and the attorney for the trustee has filed several notices after the fact indicating they are registering a Corrective Notary Affidavit, and an additional satisfaction of the loan. However, they keep sending the home loan, not registered with XXXX, through the courts for foreclosure proceedings non-judicially. 

I can not refinance the home, sell the home or otherwise do anything with the title trail they have made. They ( the trustee ) are insistent they are correct that they have the right to sell the home and that all of the banks and lawyers and insurance folks are incorrect that my deed of trust is invalid. Aside from just paying a retainer to a lawyer, how do I find out who is correct that the deed of trust is valid according to XXXX XXXX 's loan requirements and state and federal law or not? 

On the last page, my signature is not present. The notary also forgot to date the acknowledgement or verification. My signature is undated and unsealed elsewhere in the document but not on the same page as the notary among other errors. What government agency can look at this and tell me what to do other than what I have done above to clear this up because the expense of getting a lawyer involved is something I am willing to do but I just reinstated this loan that had a balance of XXXX with a payment of XXXX. I still owe XXXX on the loan according to paperwork that could be correct. It's been lingering in foreclosure for years because of paperwork errors but I would like to know who can assist me with determining if there was a problem. Thanks in advance. 

I will gladly share the documents, address, etc and my information upon contact. I'm not even sure who my specific complaint is with whether it's the originating bank, one of the three servicing companies that were involved, the first successive lender or the current lender or the trustee?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a credit card courtesy check for {$5000.00} via mobile deposit to my Chase checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to XXXX. That deposit was successful. On XX/XX/XXXX I  received an email from Chase stating that the deposit was successful. I immediately called Chase and told them when the app said the deposit was not successful I had deposited it to another bank. Chase said they would not complete the deposit. On XX/XX/XXXX I looked at my XXXX account and saw that the {$5000.00} deposit to XXXX had been reversed. I called and was told I could n't deposit a courtesy check into the account. They could n't tell me why. I believed at that point, that the {$5000.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n't be charged. Around XX/XX/XXXX I looked at my XXXX account and saw that my credit card was charged the {$5000.00}. I spent the next 10 days or so trying to resolve the issue with XXXX ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card {$5000.00} yet had not received {$5000.00}. I finally spoke with a corporate person and she said XXXX had paid the {$5000.00} to Chase. I began calls to Chase. They say XXXX put a hold on the check and did n't pay it and they claim that when they call XXXX their calls are n't returned. It 's been more than 5 weeks  and I now owe {$5000.00} yet received nothing for it. Each bank claims they do n't have my funds yet the credit card side of XXXX wants me to pay for the funds. No one will take my calls and I do n't know what else to do. I got as far as the executive level with each institution and still no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I learned through junk mail from other companies that this law firm XXXX, XXXX and XXXX ( XXXX ) had filed a case in court against me. I called XXXX and then the law firm to get more information about it, and then once they explained where it was from, I explained to them that my financial situation has not changed, and in fact has gotten worse. 

I initially spoke with one rep, who had a flat affect but eventually agreed to submit an offer. She wasnt able to answer questions regarding the terms and conditions and suggested for some of the questions to ask XXXX and then I also asked for a supervisor because I wanted to make sure I understood what the law firm was doing as well because it seems confusing. For example, the attorneys refuse to speak directly with the consumer unless it is in court. 

The call got disconnected- I just heard dead air, so I called back so I could complete the offer request. 

I told the rep XXXX, that I only had a specific amount of money, which was about 25 % of the balance. I explained that I am not working at the present time and I don't foresee this changing in the near future despite my attempts to find new work and apply for unemployment, etc. 

She refused to submit my offer for XXXX to the company. When I began to cry and ask why, she said that I was being a bully and accused me of being forceful/aggressive when I am simply offering the company all I have. I have a recording of the call, that specifically showed that she refused to submit the offer and then went as far as threatening me with the outcome of the lawsuit and said I wasn't being realistic. She then went on to say that her company is willing to take this to court all the way and threatened me with interest accrual, etc. 

I told her that the amount I offered was all I had in the savings account. I asked if she was not interested in the money that I have, she said " yes '' " We are prepared to go forward with the court date, that doesn't change our position. Our client wants to secure a judgement. You are trying to bully me into accepting an offer. I cant change the fact that you have a balance of almost XXXX you aren't being realistic. ''

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 2022-10-05
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account is an account that is a result of identity theft this account does not belong to me. I have requested in the past XX/XX/XXXX method of verification which includes a signed contract with my signature that shows I opened this account. My address at the time the account was opened as well as now differs from the address the bank had on file at the time. I have provided an FTC complaint, police report, and notarized statement for this fraudulent account. I have also provided proof of my address at the time the account was opened. I am requesting the proof you possess that allows you to continue reporting this account as none has been provided but I provided all the proof that is needed to completely deem this item as identity theft. Please provide your method of verification and if you can not verify this item, or if there is any inaccuracies shown in this, which one I have pointed out is my address verification in XX/XX/XXXX which shows that it is not verifiable that this account belongs to me, you are required to stop reporting immediately. 

The address at the time account was opened is ( Unverifiable and Inaccurate ) I have never lived at that location. 
A contract that has my signature and proof that I opened this account ( Unverifiable ) Who actually opened the account ( Unverifiable ) I have outlined several instances paired with my Identity theft information that shows this account can not be verified as mine. Show me what you have, which is allowing you to continue to report this fraudulent item. 

This mark is hurting my credit and making it impossible to obtain credit and housing. I have attached my police report, FTC complaint, notarized statement of truth, and proof of address from XX/XX/XXXX. Please help me resolve this matter.

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reached out to Transunion on XX/XX/2021, and requested that they remove the inquiries on my account because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove those inquiries. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that Transunion was in violation of a United States Code and was told that I needed to contact the individual companies to request removal. 

XXXX is in violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports

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 2021-08-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have attached two accounts that are currently reporting inaccurately to all three of my credit bureaus. I have attached highlighted pictures of the referenced accounts. Per the FCRA any information that is reported must be reported accurately.

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