BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-24
Company: EQUIFAX, 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:
I contacted Equifax in reference to several accounts that are appearing in my credit file that contain inaccurate information. The following accounts are remaining on my credit about even after I disputed it on several occasions, XXXX,XX/XX/XXXX and XXXX. I have supply my I did it though affidavit along with my identification and a police report and B 's in accurate items remain on my credit report. Items have been delete it from the other two agencies. The accounts are : ( Collections ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX was removed but put back on my credit report. ( Inquiries ) XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XXXX/XXXX/XXXX, I received notification through my credit monitoring company that Commonwealth financial listed a collection report for XXXX. I have never heard of this company before ( nor have I ever heard from them regarding debt ), and they do not list what the debt is for. However, after further investigation, I noticed that this collection agency is not licensed in the state of Florida to attempt to collect debt. This must be removed from my credit report immediately. 

Collection Agency COMMONWEALTH FINANCIAL Address XXXX XXXX XXXX, XXXX XXXX, PA Business Type Collection Services

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we completed a recast ( or re-amortization ) of our mortgage memorialized by a Mortgage Modification dated XX/XX/XXXX after having made a principal reduction ( aka a curtailment ) to our loan balance. In our cover letter with the Original Mortgage  Modification Agreement and other lender documents we signed and had notarized, we requested a copy of the fully executed copy of the Modification Agreement with AmeriHomes joinder be sent to us for our records. 
We sought from Amerihomes servicer and received via email confirmation dated XX/XX/XXXX that all properly signed documents had been received, and that the requisite changes had been made to our account, including the new total payment amount. 
By return email XX/XX/XXXX we again requested a copy of the Mortgage Modification Agreement with countersigned or joined by Lenders authorized signatories. On XX/XX/XXXX AmeriHome responded via email that they would send us a copy of the Agreement once executed by their officers but that it could take several months After numerous phone calls, on XX/XX/XXXX, over 1 year later, we sent via USPS certified return receipt to AmeriHome an Error Resolution Notice under 12 C.F.R. 1024.35, again requesting a fully and properly executed copy of the Modification Agreement signed by their officers.

They responded by mailing to us, without comment, a copy of the Agreement apparently signed by AmeriHomes officers on XX/XX/XXXX. ( It apparently was left neglected for well over a year ) However, the Officers signature page lacks a notary acknowledgement as to the Officers. 
Please note the comment typed under the AmeriHome signature block on page 4 of this instrument the execution of this Agreement should witnessed and the appropriate acknowledgement clause should be added, if these are requirements under local law. In addition, if required under local law or practice this Agreement should be filed of record.

We are specifically requesting that this instrument be properly executed by the Lenders officers, including witnesses and an acknowledgement by a Notary, and that it be recorded in the official records. In the alternative, we request a satisfactory explanation from the Lender as to why this is not necessary under local law, and that the instrument they sent to us meets the requirements for execution under local law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo is reporting that I am 30 days late on my XXXX payment. I have sent a letter to Wells Fargo showing them that my XXXX payment was made on XXXX/XXXX/XXXX well before the 30 days. They sent me a letter back stating that they were not going to change the showing of the late payment. Wells Fargo is, also, reporting that my XXXX payment is 30 days late as of XXXX/XXXX/XXXX. However, a payment was made on XXXX/XXXX/XXXX that was effective XXXX XXXX, XXXX. So either way if they are showing a XXXX payment late my payment was made effective XXXX XXXX and if they are showing a XXXX payment late, how can a XXXX payment be late 30 days if it has n't even been 30 days since my payment. Also, after the XXXX/XXXX/XXXX payment it was showing my next payment was n't due till 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 non-monetary relief
Consumer complaint received 2019-10-14
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2019 I sent Midland Credit Management a certified letter requesting a validation of debt and as of todays date they haven't provided me any validation response. On or about XX/XX/2019 I sent Midland Credit Management a certified letter ( 2nd time ) requesting a validation of debt and as of todays date they haven't provided me any validation response. 

On or about XX/XX/2019 I received a letter from Midland Credit Management stating we are unable to locate an account but are still negatively reporting to XXXX, XXXX, & XXXX collection accounts. Midland Credit Management hasnt provided me any validation response after 2 months of original request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: WELLS FARGO & COMPANY
State: SC
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:
Requested a balance transfer from Wells Fargo, XXXX the bank is XXXX XXXX who says they have never received a transfer from Wells Fargo of any amount for this account. This started back in XX/XX/2019 continual communications with customer service by phone with always they were going to look in to it and get back with me but it never happened. Call to my house started with statements on how this was going to hurt my credit, it seemed like I was getting statements every 2 weeks showing the account was delinquent and the late charges kept building. I finally wrote them they responded to give them a couple of weeks and they would get back wit me, after 2 weeks they said they needed more time and after a while they came back with a number that was 15 letters long and said this was some sort of transfer number that proved it happened. 
I got with XXXX XXXX and they said the number meant nothing to them and only Wells Fargo new what it meant. Calls continued I wrote another letter got the same response and it is being reviewed. Mean well I got anther call I was passed to 4 people the last one was not available and was to get back with me but never did. They said that it was getting ready to be charged off and if I paid {$25.00} it would keep it active in this department told them paying anything would be admitting I was wrong. This was 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 monetary relief
Consumer complaint received 2017-09-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Effective XXXX XXXX, 2017, a consumers credit report may look a little different than in the past. It is to my inderatanding that my credit report will require any public record, such as a lawsuit, judgment or real property lien submitted for reporting on a consumers credit report, to include the consumers name, address and either their Social Security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumers credit report. Please investigate this matter. I have 3 bankruptcies on my report and 1 lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$700.00} ( XXXX XXXX XXXX ) from a tenant in my home through Mobile banking. I was not aware until the next business day that a hold was placed on the account for 6 business days. I received a call earlier that morning regarding charges on my account that the bank wanted to verify. I verified the charges through a recorded system. When I spoke with my bank ( TD Bank ), I was told that I would just have to wait and that the instructions on my account were : 1 ) do not call the fraud dept. 2 ) do not allow the customer to call the fraud dept, and 3 ) the hold is a dynamic hold and that it will not be released until the end of the 6th business day which is actually 8 business days. I  deposited the check on XX/XX/XXXX, the hold is on until XX/XX/XXXX thus not giving me access until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
Company: Designed Receivable Solutions, 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:
Designed Receivable Solutions XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX RE : Account # XXXX This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as accurate. Im sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, because the software can have limitations when it comes to completing a proper investigation of records. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. 
Basis for dispute : I do not recognize this account and am requesting an investigation. 
If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which will also include complete removal of the account. Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30 days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5 days of the completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the 3 credit reporting agencies ( XXXX, XXXX, XXXX ), of deletion of this information from my credit file. XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period.To avoid potential legal action and further issues, I hereby request that you remove the account from my credit report. 

Sincerely, XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, the co-borrower on our mortgage account advised me that our account had been reported to the credit bureaus as 30 days delinquent and our credit files had lost nearly XXXX points. I called XXXX XXXX XXXX  ( XXXX ) to reconfirm forbearance from XX/XX/XXXX, until XX/XX/XXXX. XXXX rep, XXXX, confirmed my current forbearance and assured me the credit reporting department would fix the reporting error. Unfortunately for us, this error can cause our pending XXXX loan to be denied. We are trying to start a business to better our own financial future and now we have to deal with correcting this error due to the incompetence of the XXXX staff. This is not the first time that XXXX has made critical mistakes that could have been catastrophic for us. In XXXX of XXXX, they accidentally removed our mortgage account from the XXXX XXXX XXXX forbearance program, and we were in danger of being reported delinquent at that time. Luckily, I called XXXX and caught the error in time ( CFPB Case # XXXX ). It is hard enough for XXXX people in this country to establish themselves financially and I am beginning to think this is being done intentionally. How can this mortgage company be this inefficient and inept? XX/XX/XXXX, I received a call from XXXX rep, XXXX. He called to discuss refinance options. He had not read through my file beforehand, or he would have seen that I was just coming off of a XXXX forbearance plan and was not eligible for refinancing at that time. XXXX prematurely transferred me to XXXX XXXX who ran my credit report, simply because I showed interest in refinancing. I never agreed to have XXXX run my credit, but they did, and I lost points and gained a hard inquiry. I called XXXX that same day to have them remove it and it still has not been removed as of today. These anomalies cost consumers and it is unfair that we have to suffer through XXXX and all its XXXX XXXX XXXX XXXX  traumas, along with XXXX bungling mistakes that XXXX  obviously does not take seriously enough to make sure they read our files before making decisions. The XXXX XXXX forbearance plan is to help deal with XXXX ... not make it worse. The law protects consumers when their credit reports contain inaccurate information. Under the federal Fair Credit Reporting Act ( FCRA ), consumer reporting agencies, as well as companies that provide them with consumers data, must report accurate information and fix errors that have been disputed. If this recent error causes our XXXX loan to be denied, we will have no other choice than to take legal action against XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: CITIBANK, N.A.
State: VA
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 was overcharged by {$100.00} at XXXX XXXX XXXX on XX/XX/XXXX. I had been charged the annual fee for the card on XX/XX/XXXX. I did not want to pay the annual fee and intended to close the card, but could not because if/when the XXXX charge was reversed, the payment could not be paid to a closed card. I called to explain this to Citi Cards and they said that a card could not be closed that had an outstanding balance on it. By XXXX I had resolved the issue with XXXX and paid our outstanding balance to Citi. On XX/XX/XXXX, I called to called Citi to cancel the card and was told the annual fee would be prorated, and the late fees and interest fees that had accrued would stand. When I asked to speak to a manager, I was told one was not available but I would receive a call back. Upon being called back, I was told that no Citi employee would ever inform me that I could not close an account with an outstanding balance, and not only would the late fees and interest be charge, but the annual fee would be charged in full and not prorated at all.

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 2019-05-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Midland Funding Llc Opened XX/XX/2018 - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Midland Funding Llc Opened XX/XX/2018 - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
On XX/XX/XXXX my American express card was taken. On that day 18 transactions totaling around {$1800.00}. I ( contacted them on XX/XX/XXXX and the XX/XX/XXXX and they told me to go online and file a claim. I went onto the american express website and filed my claim that day and faxed over signed forms that they needed. They told me to wait ten business days for a credit. Now it is the 10th business day. XX/XX/XXXX and no one wants to give me an answer. They denied my claim and stated reason was " no error '' I 've been on hold over an hour ... no supervisor to speak with. They refuse to have the dispute team contact me or tell me any reason they came up with for no error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Stellar Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I received a notification from XXXX XXXX that new info was added to my credit reports. I looked at the info and a company named Stellar Recovery IncXXXX had placed an collection for an alleged debt of {$300.00}. This was on XXXX XXXX XXXX. I had not received a XXXX XXXX, phone contact or any other form of contact from this company. I had no opportunity to dispute or validate this alleged debt before being placed on my reports which caused an significant decrease in my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation