BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a chapter XXXX BK Discharge on all 3 Credit Reports and i called to asked them how did they verify the Bankruptcy. I send Certified letter on XX/XX/2018 to all 3 Credit Bureaus and XXXX as well. They all are telling me that they sent a 3rd party person down to the court to verify the Bankruptcy in person with my full social security number. In which that's not true because i have a letter from the Clerk of the United States Bankruptcy Court stating that they don't provide that information to the credit bureaus or any third party report agencies. And i received that letter on XX/XX/2018 from the Bankruptcy Court.  So the credit bureaus and XXXX verification method on how they verified the Bankruptcy is invalid.

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 2023-01-08
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 am currently woking with XXXX XXXX XXXX to dispute inconsistencies with my credit report. I have many items that I did not approve and have disputed but the credit agencies refuse to get a full investigation. It seems that the investigation is one sided. The company replies and whatever they say stands. This is not a complete investigation. XXXX XXXX in particular has claimed to have sent me information regarding the purchase of a debt I owe yet never provided the receipt to show they sent mail. As consumers were are being used. Our complaints with the CFPB are going nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called and written several certified letters to Equifax about the fraudulent inquires on my report still they refuse to deleted them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: AES/PHEAA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fed loan serving reporting incorrectly period the representative told me it would be removed and isn't. I will sue this company for not reporting correctly. Remove payments to never late or ill sue!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
This debt became late back in XX/XX/XXXX. The bank then update the credit file to indicate the account was in good standing XX/XX/XXXX. No payment has been made to bring the account back into good standing. This debt is more than 7 years old and remains on the credit file. I would like to have the payment history properly reflected. I sent a dispute through the credit company and they date was updated to XX/XX/XXXX incorrectly

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 2019-02-21
Company: Capital Accounts, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COMPAINT AGAINST CAPITAL ACCOUNTS COLLECTION AGENCY, XXXX. XXXX  XXXX, XXXX, TN XXXX, XXXX Regarding XX/XX/XXXX dental services provided by XXXX XXXX XXXX, XXXX On XX/XX/XXXX, I received a letter from Capital Accounts regarding the debt to XXXX XXXX XXXX, XXXX. In response to the letter, I called Capital Accounts and disputed the debt. I requested verification of the debt ( i.e., invoices/statements showing service date, procedure code, and the amount of service ) from Capital Accounts. I wanted to review the information Capital Accounts was given because XXXX XXXX XXXX dental insurance paid for each service I received and I paid required co-pay for each service. 

On XX/XX/XXXX, I disputed this account directly with credit bureaus. The result of the dispute is that Capital Accounts verified the information therefore the negative information would remain on my credit reports. A year have gone by and to date I have not received verification of this debt from Capital Accounts. 

On XX/XX/XXXX, I called Capital Accounts again regarding this account to address the reason the amount keeps increasing on my credit reports. I also asked why no one from Capital Accounts had sent me, as I had previously requested, verification of this debt. I advised Capital Accounts customer service representative again that I can not acknowledge or accept the debt, as I had not received verification of the debt. 

As follow up to my telephone call to Capital Accounts on XX/XX/XXXX, I received the attached email from Capital Accounts regarding the past due amount with their client XXXX XXXX XXXX XXXX. The email included a ledger with a debt of {$760.00} and {$150.00} in additional interest charges for a total of {$960.00}. How is it that this debt can be increased by {$3.00} per month for interest? As a collection agency they should not be charging {$3.00} monthly interest. Is charging interest on collection accounts illegal? 

This information continues to be reported negatively on my credit bureau reports with the balance constantly going up. Every month when they add Capital Accounts adds the interest charge my credit score decreases. This year old past due collection account has had a very negative affect on my credit rating. Adverse actions have been taken against me because of this account on my credit reports. 


Cc : Capital Accounts XXXX Credit Bureau XXXX Credit Bureau XXXX Credit Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the douments that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be cerified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied on XX/XX/2020 and were told 45 days, but not advised that it could take longer. 

XX/XX/XXXX, called to inquire on the status and was advised that they were waiting for confirmation of the mortgage payoffs for the Primary & second Mortgage and that they may require a signed request from us. We immediately signed and sent back these forms that night. 

I didn't see any updates to the XXXX process so uploaded the payoff letters I obtained from XXXX XXXX on XX/XX/2020, & XXXX. XXXX on XX/XX/2020. 

Contacted again on XX/XX/XXXX for another update and was told there was a holdup due to the 2nd mortgage payoff was missing the property address. I escalated this and have been dealing with XXXX XXXX. 
I obtained an updated letter from XXXX. XXXX with an adendum to include the property address on the 2nd. Emailed XXXX so she could advise the appropriate teams who confirmed this was cleared to move the loan forward. 

Followed up on XX/XX/XXXX and was advised they were waiting on tax confirmation. 

Followed up on XX/XX/XXXX and was advised the loan was undergoing a final review, from XXXX XXXX. 

Followed up today and was now advised they needed an updated payoff letter from XXXX XXXX  since the balance had changed. The original payoff letter is good until the XXXX. Therefore this was unnecessary. 

Due to them not providing a true estimated time frame of completion and continually finding reasons to delay closing, is reasons enough to file this claim. This is causing us hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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: Information belongs to someone else

Complaint:
I dont recognize an account and it appears as derogatory and in collection resulting in adverse impact top my credit score.

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 2017-09-14
Company: EQUIFAX, INC.
State: TX
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 had a loan with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX In 2015 I had financial hardship and the loan went into default. Now I am trying to pay off debt and correct errors on my credit. Every month XXXX is reporting a late payment instead of reporting the account as a collection/charge off. They are violating the law and causing me intentional harm. According to the law this should have charged after 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
I have been getting the checks that are for balance transfers in the mail roughly every other month since I opened the card. 

I have called four times to have these checks canceled. Each time I am assured they will be canceled and yet I still receive them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Jet Direct Funding Corp
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I used XXXX XXXX XXXX  to purchase a home. Through the process, I discovered I was given false information including closing costs and down payment. In addition, they shared my credit information with outside parties and ran 7 hard inquiries on my credit which lowered my score to a XXXX by closing.

I complained several times to the person of contact I was given with no resolution. I have all supporting documentation for this claim, including emails to Jet Direct, my closing attorney and all parties involved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have previously submitted the FTC request for permanent opt-out for credit card offers. Capital One is the ONLY company who consistently continues to send me pre-approved credit card offer requests. Further, there is nowhere on their letters ( most recent one is attached ) that allows for an opt-out to stop receiving their communications. It is extremely frustrating and I believe their letters must not be in compliance because every other offer I have ever received allows the consumer to opt out in some way. Capital One does not include anything though.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: BANCO POPULAR DE PUERTO RICO
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The appraisals made to my property under Loss Mitigation in Banco Popular of Puerto Rico as a requirement of the Short Sale program inflate the value of the property and do not follow the requirements established by FHA. Therefore affecting and stopping several sales offers since XXXX. The last appraisal made to my property on XX/XX/XXXX has the following irregularities : 1 ) The same appraiser has been used for the last 3 years. Based on the FHA criteria, a different appraiser must be used. 
2 ) The comparables used in this appraisal inflate the price of my property, affecting us to be able to sale the property. Two of the three comparable used in the appraisal were sold under the Rent-to-Own program of an REO property and the third comparable was sold with private financing. These sales may be flawed. In addition, these salse lack much information in the transaction, as well as conditions of ownership and the nature of the business. 
3 ) There is a comparable that favores the value of my property but it was not used on this appraisal. No explanation was given as why it was not used. The real estate broker, XXXX XXXX, asked the bank and the appraiser for reconsideration. He refused to review said value. 
4 ) FHA requires the bank to dispose of the appraisal no more than 30 days. The bank has taken more than 30 days to have available for the results of the appraisal. All documentation required by the bank was submitted by XX/XX/XXXX. The appraisal was completed on XX/XX/XXXX and the bank provided a copy of the appraisal on XX/XX/XXXX. 

I have been trying for more than 5 years to be qualified under the Short Sale program. Due to the appraisals made in the previous years, initiated by the Banco Popular de Puerto Rico, the sales have fallen or it has been impossible to obtain a willing buyer to pay what the appraisal indicates. This has affected my credit greatly and I would like to be able to restore my finances.

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 2020-12-04
Company: EQUIFAX, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Reliable Credit Association, Inc.
State: OR
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:
After multiple disputes with all 3 of the CRA 'S, XXXX, XXXX & XXXX as well as the data furnisher/creditor Reliable Credit Association Inc. XXXX XXXX, WA ) all 4 of the companies has failed to provide documentation in regards to my request per FCRA 623 laws of how the alleged investigation were done. A manager from Reliable Credit sent me a letter stating that my dispute was " frivolous '' without providing any documents of how they validated their investigation. Nor was any paperwork with my signature shown to support and validate their claims that this is my account and that they are indeed reporting it accurately. 

My rights as a consumer allows me to request a written documentation along with evidence and proof of the investigation by Reliable Credit to support their claims that information is not being reported inaccurately. However no proof and/or evidence was made which allows me to believe that the data furnisher is indeed providing " frivolous '' and " irrelevant '' claims of validation in regards to multiple inaccuracies on all three of my credit reports they have being sharing illegally. 
This really is a huge concern for me and many other consumers that are being taken advantage of by predatory lending institutions as well as sub prime banks. 
An investigation in the practices and integrity of this specific financial institution ( RC XXXX ) is needed ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: ERC
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:
There is no written communication or any legal proof for the alleged debt to claim ownership anybody can send a bill but that doesn't mean the debt is legitimate. I do not recall being associated with this company. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
got a promotional store card through wells fargo on a 36 months no interest. i get a minimum payment of {$77.00} then a year later i purchase another item. then i get a minimum payment of XXXX which is fine but then fast forward a year later and wells fargo is saying the purchase the year prior had a 12 month 0 interest and the promotion is gon na run out but yet they make me pay combined payments with 2 separate promotion periods. they act in bad faith by not allowing me to pay each item off separately so i cant allocate my own money. and with the credit card being a 36th month card promotion, they act in bad faith by not honoring that card.

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 2019-02-24
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello Waypoint Resource Group has filed 2 Derogatory marks on my credit. I've attempted to call on 5 separate occasions. The do not answer calls. I've contacted XXXX and XXXX about the mark filed and they've been less than helpful at removing the marks Opened XX/XX/2018. 

Today I just saw they filed another mark. XXXX XX/XX/2018 The say it is for XXXX XXXX   which i assume is cable. I've had XXXX  for 5 years and do not have XXXX cable. 
I've also never received a bill, notification, or even an attempt to collect debt. 

This has caused personal damage to my credit and bank standings. Please HELP XXXX XXXX

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