BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have corresponded multiple times with the company EQUIFAX INFORMATION SERVICES LLC. I sent out my last correspondence on XX/XX/2019. The company has failed to respond to my verification disputes within the 30 day time period as today is the XXXX of XXXX and I am mailing out another correspondence to have these alleged items removed due to no response and " Silence Is Acquiescence ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-09
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
Ok, Back on XXXX my husband become to be on worker comp from work, and we have a lot of problem back them. he was facing foreclosure from XXXX XXXX XXXX and, he was going crazy to save the home ware we live with our XXXX kids. So he was refer to get help from PA HOUSING FINANCE AGE, so they help him to save the property with o low montly payment until the situation change. Well with all this mess and bills, from al type that a home can have, with fill the banckcrucy chapter XXXX on XXXX and was aprove, we pay bak part of the money in 3 years of 5 year agreement, we dit a loan modification, and thinks star to change good for us ... now at that point my husbad have the home loan with XXXX XXXX, and the PA HOUSING FINANCE AGE borrow him the money to save the home ... when with dit the bankcrucy we have the benefit to have remove that loan because the hosue is under water..so he old XXXX dolarr on home morgage and the hosue price is only XXXX, plus the deb of {$19000.00} with interes and fees from Pa Housing Finance Agency . so this was aprove by the Agency and courth, and that deb become to past a unsecure deb, so was remove and we dont have to pay bak that loan.

whern that happen i have to sing as JOIN on that loan since iam on the DEED of the property so we are secure if anything happen ... .Now i see on my credit report that show and iam traying to buy a home even if has been remove and we dont have to pay back and become a unsecure ..some bank are taking this as excuse to NOT aprove the loan ... .becasue this show on my credit. i have this dispute this to thenAgency tru the credit dispute page and the Agency dont wan to remove that from my credit. 
this was my husband loan with XXXX XXXX, iam not on that loan..and i have to sign that document from PA HOUSING FINANCE AGE because iam on the Deed ... and was the only option we have to sabe our home.

this is what is hurting my credit score and bank or private lender dont wan to help me to get a new home for that reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke to an agent today XX/XX/21 from the collection agency EOS CCA and disputed this invalid debt. XXXX and EOS CCA are threatening my credit in the amount of {$13000.00} which legally I do not owe because the package ls did not contain my items that I paid for. I am responsible to pay for items that I order and I must receive the items which were XXXX  to be delivered however my packages had paper inside them. Legally I am not responsible to pay for an item I did not receive. I paid {$13000.00} for XXXX XXXX  and my XXXX  were not delivered so XXXX did an investigation and confirmed that the phones were lost and and no usages were done on the phone from my account. The items were never received and XXXX sent me a legal document ( s ) that came from them with my refund slips. This is my legal document that XXXX has agreed to refund me in the amount of {$13000.00} which I will attach in my complaint towards XXXX and EOS CCA. If I order an XXXX I expect to receive my ordered items which in this case I did not. XXXX  refunded me and issued my refunds after the investigation which proved I did not receive the items because the items were never activated or used under my account. The phones I ordered in the amount of {$13000.00} were for my business and the phones never reached me. There was NO USAGE on those devices from my XXXX account and XXXX did confirm there was no usage on those devices and they issued me full refunds for those devices. I have legal proof I am not responsible to pay for this debt that XXXX and EOS CCA is holding me responsible for. Please see my attached legal documents that I was given from the merchant. CFPB please investigate both companies XXXX and EOS CCA for harassing me and trying to collect invalid debt from me and they are threatening to put this invalid debt on my credit unrightfully. Thank you CFPB for allowing me to explain. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I contacted Capital One in XX/XX/XXXX and made my payment and then requested to be signed up for auto pay. In the time between XX/XX/XXXX and XX/XX/XXXX I made a couple of payments that I assumed were extra payments to pay down my balance faster, I used my last minimum payment due to make these payments. I returned from vacation on XX/XX/XXXX and my wife went through the mail and when she opened our statement it said we were past due {$800.00} and that we were more than 30 days late. I called and spoke with a representative and he assured me that my credit would be taken care of and he would waive the late fees and make sure I was in auto pay, he placed me on hold and a few minutes later a different representative picked and said they would not waive the fees or fix my credit report and that it was all my fault that the account was behind. I asked him to contact the person I spoke with in XX/XX/XXXX and he said that was not possible and I told him this was unacceptable and he transferred me to an Account Manager. While speaking with this account manager about this very serious issue there were many people in the back round laughing and joking around the whole time, she again basically said it was not their responsibility that I was not enrolled in auto pay and the only thing she could do was ask for the tape to be reviewed which would take about 6 weeks and that I could not review the tape it was at their discretion completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had paid off the full balance of my XXXX  XXXX issued through XXXX XXXX   after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact XXXX XXXX but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted 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 2018-05-25
Company: Experian Information Solutions 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:
Upon receiving recent notices that I've been the victim of identify fraud, I started retrieving and reviewing my credit reports for errors. As such, I've noticed a few items that are completely incorrect in their status reporting or they are simply not mine. These have been previously requested to be disputed and either no response was provided andor no action was take as I've been told that the information was previously investigated. 

The credit item in question that's presently reporting as Paid Collections under the name XXXX. This item is reporting on all three of my reports. 

Then something called XXXX XXXX XXXX is reporting only on my XXXX report.

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 2018-05-25
Company: Clear Debt Solutions, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX LEAVING A MESSAGE ON MY CELL INDICATING THAT THEY ARE INVESTIGATING A MATTER IN THEIR OFFICE. THEY NEED TO CONFIRM MY PHYSICAL ADDRESS AND PLACE OF EMPLOYMENT. IT IS MY RIGHT AND OBLIGATION TO CONTACT THEM IN REFERENCE TO MY LEGAL RIGHTS. REFERENCE CASE NUMBER XXXX. THE CALL IS A PRE-RECORDED MESSAGE FROM XXXX AND SAME MESSAGE FROM XXXX. IT SAYS THAT FAILURE TO RESPOND WILL RESULT IN THEM CONTACTING MY LOCAL LEGAL OFFICE. ON XX/XX/XXXX THEY LEFT A MESSAGE 2 TIMES. THEY DO NOT SAY WHO THEY ARE AND I HAVE NOT CALLED THEM BACK. THEY NEED TO STOP CALLING. THEY ALSO CALL MY MOTHER-IN-LAW AND LEAVE HER MESSAGES FOR ME. I DON'T EVEN LIVE THERE. THEY GOT THAT NUMBER WITH MY NAME ASSOCIATED TO IT OFF THE INTERNET. HOW DO I STOP THESE HARASSING PHONE CALLS?

Company response to consumer: Untimely response
Consumer complaint received 2018-05-25
Company: Experian Information Solutions 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 contacted my bank, XXXX, starting in XX/XX/2018, on several occasions to resolve the problem of my home mortgage credit history not being reflected on my XXXX and Experian credit reports. It's only shown on my XXXX report. The bank did confirm that they do, in fact, report monthly to not only those 3 bureaus, but to XXXX as well. XXXX asked me to complete an " Authorization to update credit reporting. '' After calling XXXX on at least 3 occasions, the issue is still unresolved. I've also called Experian on a couple occasions and have been on hold for literally over an hour on one occasion, and again for apx 40 minutes on another without ever speaking to a rep.

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 2018-05-25
Company: ORG GC GP Buyer, LLC
State: OK
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:
Account is being reported as late and delinquent when I am prepaid for years. I’ve been making big payments to get these paid off, and currently show no balance due. However, my most recent credit report shows me as 90 days delinquent on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Yesterday XX/XX/21 stating that our Escrow account was deficient in the amount of {$3200.00}. No one seems to be able to explain this shortfall to us. I have confirmed that our property taxes have not increased by more than {$350.00} dollars annually and our homeowners insurance has also not increased. When I spoke with the company " XXXX '' who services our loan from TIAA Bank, they stated that our property tax appears to have increased by about {$32.00} per month. I tried today to call TIAA bank as XXXX stated that they simply service our loan and these types of issues would need to be clarified by the bank. TIAA bank had answered my call and then placed me on hold for 2 hours 48 minutes before my call was disconnected. We have never missed a payment, they have never been a day late. We have auto payment setup to withdraw the funds on the 1st business day of the month. I need someone from TIAA bank to explain what happened and why this money is owed before we pay it. It just does not seem right that we can not get a satisfactory explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Re : XXXX ; I wish there was a way to simply reply to your messages rather than need to open up a new complaint just to respond to you. Bank of America are in the process of working something out. I have emailed that I would like to come up with some sort of monetary compromise. We are supposed to discuss this on XX/XX/XXXX or XXXX. 

You had sent me a message that Bank of America had closed the case and clearly they did not. Most of the problem on Bank of America 's side was due to gross negligence and the fact that they had made it almost impossible to contact them, so I could have stopped the scam in time. 

In the interim, there are about a dozen law enforcement and regulatory agencies involved. Much of the problem relates to the fact that the FBI and the DOJ are not reading their IC3 reports and travel to open up a civil suit or criminal case is extremely difficult due to COVID 19 restrictions, including 2 week quarantines, and the fact that the money mules and main scammers are trying to hide. 

I have a clearer idea of the damage and if negotiations with Bank of America do not work out, I have a 30 page file I could send you. 

The total loss is around {$120000.00}, of which {$110000.00} occurred with Bank of America and {$5300.00} occurred with XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX is the money mule through which XXXX XXXX XXXX   funneled the money. XXXX XXXX is the money through which Bank of America funneled its share of the money. 

The main scammer is a fake version of XXXX XXXX XXXX XXXX, which still operates out of XXXX, XXXX and XXXX, XXXX. I believe an arrest warrant can be served on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 when XXXX XXXX makes his presentation in XXXX at a XXXX XXXX, but I am still investigating other options.

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 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
countless times since XX/XX/2020 i have sent certified letters to XXXX XXXX XXXX asking for proof that they sent me a certified letter or proper notice accordingly to IL Law stating they were going to sell my vehicle and that they gave me a chance to get it bank. they have not supplied me with such notice as of today XX/XX/2020.

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 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint is in reference to my credit card statement. The Credit Card Accountability Responsibility and Disclosure Act of 2009, section 201, requires credit card issuers to state in a " Minimum Payment Warning '' how long it will take you to pay your debt and the amount of interest that will incur if making the minimum payment. In my statement, I was warned that it would take 12 years @ {$15.00} per month. This is not correct and the balance of {$1500.00} would actually never be repaid with that minimum payment. The interest alone would accrue at a little more than {$0.00} per day. This is not a problem for me as I've been paying the entire balance each month for some time. However, for those that can't pay their balances in full, this information was meant to inform them of the consequences of making minimum payments. The correct answer in their warning shouldn't have been " 12 years '' but " Never ''. To be fair, their calculation of the amount to pay the balance in 3 years was accurate. In times as we are now, it is not a bad thing to be able to make a small minimum payment if necessary but people need to have an accurate understanding of the consequences as well. This is not a grievous violation but failure to give accurate information violates the spirit of the law for certain. 

I did contact Capital One customer service at one point in late in XXXX or early XXXX to discuss my findings and I was passed from a customer service agent to a supervisor. The supervisor didn't seem to grasp the problem or even see it as a problem. She didn't help me. 

I then filed a complaint with the Attorney Generals Office of Washington State. They determined this could be handled through their informal complaint resolution services offered by their Consumer Resource Center. They contacted Capital One and gave Capital One 21 days to respond to the complaint. Capital One has not responded to them and Washington State will not pursue it further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions 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:
On XX/XX/XXXX I uploaded my request for dispute with Experian via their website@www.experian.com/upload for the following accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. As of today 's date, XX/XX/XXXX, I have yet to receive any correspondence from them in regard to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond in the 30 days required time.

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 2018-05-25
Company: EQUIFAX, INC.
State: OH
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:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX XXXX Date opened>>>>>> XX/XX/2003

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

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 2020-05-11
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$35000.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation