BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
BK OF AMER XXXX- I am not satisfied that you have efficiently fulfilled the policies of the Fair Credit Reporting Act in doing your investigation. Please re-investigate the information or eliminate this account. 
XXXX XXXX XXXX I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXXL XXXX XXXXXXXX-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2020-12-06
Company: Experian Information Solutions 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 have sent certified dispute letters to XXXX, XXXX, and Experian with the latest letter being sent on XX/XX/2020 requesting for an investigation of the errors on the two alleged accounts that are being reported on both of my XXXX  and Experian credit reports. XXXX is claiming that I allegedly owe {$710.00} and {$150.00}. There are two inconsistent " Date of Last Activity '' being reported for the alleged {$710.00} account after XXXX, XXXX, and Experian have claimed to have validated the account. How is that possible? After reviewing my XXXX  credit report it shows that XXXX is reporting a Date of Last Activity on XX/XX/2020. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to re-age an account. I am requesting that XXXX, XXXX, and Experian be investigated and that the XXXX account be deleted from all of the credit bureaus and from my credit 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 2019-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX AND CAPITAL ONE CAUSED MY DATE BREACH THE SIGNED THE FTC AND USED SOMEONE ELSE NOTARY WHICH I'LL BE WILL TO SWEAR UNDER OATH

XXXX  
I WENT TO TUAN V LE 
WHICH I NEVER DID BUSINESS WITH AND HE agreeD TO FIX WHAT XXXX CAUSED FOR FREE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
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:
I sent a certified letter to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. 

I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Equifax stating that XXXX did not notify Equifax about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Equifax has disregarded my proof of XXXX XXXX XXXX 's violation of the law and refuses to remove this trade-line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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: Information belongs to someone else

Complaint:
Please remove the items in Identity theft because they are not belong to me and not related to any transactions made by me. 
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. I demand the following accounts be verified or removed immediately.

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 2020-05-01
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I contacted PHH Mortgage to ask why the check I had mailed in on XX/XX/2020 had not been cashed yet. A payment of {$520.00} was mailed in along with remaining assumption documents. PHH had mailed out a letter dated XX/XX/2020 requesting four ( 4 ) documents : signed and notarized assumption agreements recorded quit claim deed copy homeowner 's insurance 2 recent paystubs As well as a check for the remaining balance of {$520.00}. 
Documents were returned in the pre-paid envelope on XX/XX/2020. On XX/XX/2020 I was notified that the assumption had been approved. Subsequent phone calls confirmed I was the only account holder yet my most recent statement showed the balance for the loan assumption. I immediately called PHH and asked why the payment had not been processed. I gave the check number ; they verified that it had not been cashed yet and stated they would be starting an investigation of where the check was. I was advised to wait a week before calling back. 
I called today and was told that I needed to send a picture of the check. I again had to explain that I did not have the check, nor had it been cashed ... I was looking into where the check was, as the paperwork that accompanied the check had been processed, which meant the check had also been received. I asked why I was not notified of their request ( for a copy that I don't have ). I again asked for an investigation of where this check was, as it was with the paperwork that had already been approved. 
PHH has consistently shown me that they do not follow through with communication. When first applying for an assumption, I called for an unrelated issue six weeks later and was informed that they were requesting additional documents ... the note had been in their system five weeks prior and I was never notified, it was confirmed that a letter had never been sent to me, although this is standard procedure. It was not until I was referred to an escalation specialist that any investigation was done into my application.

I have again been referred to an escalation specialist because no one can tell me where the check is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Google Compare Credit Cards Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There was a fraudulent charge with Google Pay and I am still being charged for 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 2019-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am asking for a certified copy of the lien that was to be filed with the idaho Secretary of the state in XXXX of 2004 by XXXX XXXX XXXX on behalf of XXXX XXXX. It you can not provide it then you have no interest in my property. It would have been in you file as transfered from XXXX XXXX XXXX to sps Your answer of our record show we complied. Is not answer. do you have it? And was it filed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX, ( aka Stillman Law Office ), a debt collection law firm with offices in Michigan, Maryland and Massachusetts, has filed a complaint against me to collect a debt of which I am unaware of and still have yet to be notified about. 

The supposed debt is from a company -- XXXX XXXX XXXX -- that I have never heard of. 

I am aware, however, is that XXXX XXXX XXXX is reputed to be notorious for unfair debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: MARINER FINANCE, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Mariner Finance have been reporting late payments and ruining my credit score. I've tried speaking to them several times about this issue and no one will talk to me about this account. One representative actually informed me that there's no account listed in my name. This has been going on since 2013 and I want to be compensated for this company ruining my credit score over six years.

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 2019-09-28
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I attempted to make a charge on my Discover Card on XX/XX/XXXX for {$19.00}, and it was declined. I switched to another credit card and made the purchase. 

The item is still pending, so it is affecting my available credit. I understand that it will be cleared in a couple of days. The problem is that Discover Card removes my ability to see that the charge is still pending after it has been pending for three days, according to their phone CSR. They gave no valid reason for hiding this from me, only that is their " procedure '', which is clearly a nonanswer if I ever saw one. Can you tell me what regulation allows them to hide account information from me such as this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my 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 explanation
Consumer complaint received 2019-09-29
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
- reported debt as ID theft and was told they were from XXXX XXXX and was told they would remove the account from my records but nothing has been done.

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 2019-09-29
Company: Experian Information Solutions Inc.
State: MO
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/2019, I filed a dispute with regarding a collection account tradeline reported by XXXX XXXX XXXX to my Experian and XXXX  credit files. On XX/XX/2019, I received a notification that the dispute had been completed and no changes were made as XXXX XXXX XXXX had certified to Experian that the information was accurate. Around XX/XX/2019, I received the same notification from XXXX that the dispute had been completed and no changes were made. As XXXX XXXX XXXX has failed to respond to my debt validation letters, I contacted Experian and XXXX between XX/XX/XXXX and XX/XX/2019 requesting copies of of the documentation provided by XXXX XXXX XXXX verifying the reported collection account tradeline. Instead of providing the requested documentation, Experian & XXXX  refiled disputes of the tradeline and again reported it had been verified within XXXX weeks of filing. 

Due to speed in which the dispute was resolved and because I have not received any documentation from either Experian & XXXX, I feel that 1 ) XXXX XXXX XXXX is using a auto-validation system instead of actually researching the dispute as required by the Fair Credit Reporting Act and 2 )  Experian and XXXX  do not posses any legitimate form of validation of the disputed tradeline.

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 2021-09-16
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This scamming debt collection agency is in VIOLATION of 15 U.S.C. 1692g they did not notify me in writing of the debt thats allegedly owed before reporting it on my consumer report. I have no knowledge of this alleged debt. As the original creditor only I can validate this alleged debt. I do not validate this alleged debt so it must be removed immediately.

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 2020-05-01
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:
I am upset about things I still see on my credit report that does not belong to me I have disputed these items and they have came back verified and I requested that they send me the information that they used to verify these items and it has been over 60 days and I still have not received the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: CITIBANK, N.A.
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:
XX/XX/2018 Dear Best Buy Credit Mgmt Dept, My credit card # is and enclosed is the letter from my credit report from XXXX showing my XXXX score which was lowered to XXXX because of you guys and it also shows the serious delinquencies on my credit histories also because of you guys. 
Last XXXX of XXXX you guys were given both my routing number and account number of my checking account so you could auto debit them from me for the last XXXX payments, of the {$600.00} bucks owed to you guys. The numbers and account numbers were read back twice to you guys over the phone. Just to make double sure. 
Then suddenly at the beginning of XXXX I got numerous unknown calls on my cell Thinking it was a telemarketer I never answered. I finally called back the number and spoke to a Woman who told me they had the wrong account numbers and routing. I gave her the correct ones once again and asked what possibly couldve happened? She said that sometimes this happens and that somehow they mustve gotten them wrong even though I repeated them twice. I said well, it has to be your error because if you had the right ones we wouldnt be having this conversation. Nor would this letter ever have to been written. 
And l also I asked her why they didnt just leave a message and she said you guys are not allowed to do that either. Really? Thats a policy that needs to change, because that wouldve gotten the problem solved quicker. 
None of this shouldve ever occurred and makes no sense to me. In all of my years of paying off my bills have I ever had a Delinquency on my history ever, not XXXX. And I dont intend to going forward. You guys need to remove them from all three of my credit reports. Immediately. 
Lastly, please send a separate letter saying youre going to delete them or in the next correspondence. 

Sincerely, XXXX XXXX XX/XX/2018 Dear XXXX Enclosed is the Dispute letter that was sent to Best Buy credit please read it because it explains what happened. 

Please remove all XXXX day delinquencies and negative credit histories from my reports due to this was entirely their fault as you can see from which is stated in my letter to them on XX/XX/2018. 

Best Buy is disputing with all three credit agencies so I am doing the same. 
It was once again entirely Best buys mistakes and it needs to be noted so. Also please have my XXXX score restored and raised to where it was before this terrible credit mishap. Which should have never occurred in the first place and as you can see has never happened to me in my entire payment history life. 

Lastly please send me also a letter also stating that. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Debt collector has called me on behalf of speedy cash also sent emails stating they were going to sue me and that I could do jail time etc also has threatened to tell my job and get me fired would not make any arrangements with me and doesnt even have correct amount I owe happened XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My Capital One card payment is due on the XXXX of each month. I made my payment online on the XXXX at XXXX PT  and received a note saying I will be charged a late fee and my payment can only be scheduled for XX/XX/XXXX. I called Capital One and asked them to not charge me a late fee because its a ridiculous, arbitrary policy. I also asked if I could make a payment over the phone because they are open for business and accepting calls and today is not an official banking day so it doesnt matter what time I make my payment. Both I spoke to declined to resolve the issue and said I would be charged a late fee for making my payment at XXXX PT because the cutoff time is XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: AL
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$60000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} 09 XXXX XXXX Opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX customer representative invited me to apply for one of their credit cards since recognizing me being a long time customer so I said sure, why not so I did. 

After a month and forgot all about applying, received a letter from their credit card supplier " XXXX XXXX  '' stating that I was denied due to what Experian reported to them but when I look at the reason ( s ) were completely different on what was on my credit report. I don't know what going on with XXXX XXXX  but I believe being discriminated because of my race. 

Its not being denied credit with XXXX but the untruthful and unreasonable reasons why and here are the reason ( s ) attached - some of their reasons don't even make any sense. 

... .and on top of that they stated that my credit score was " XXXX ''. I checked and it is " XXXX. '' It might be a possibility that they got me mixed up with another XXXX XXXX as it happened before and it is a common name.

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