BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: CONTRACT CALLERS 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 don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2019-04-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
one XXXX XXXX account is reporting under my equifax credit reporting agency as fraud. this account i had never opened nor given authorization to have someone open this account, please have equifax to have this fraud account remove from their data base since they are not helpful at all. 
this is not mine and was opened with out my knowledge, XXXX   XXXX even has a different address on file and reporting inaccurately. i will be awaiting for your response thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: EQUIFAX, INC.
State: SC
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 made a call to Equifax as well as faxed them inquiries that needed to be deleted due to Fraud. They were not deleted and it has been over 45 days since the requests have been made. Please see the attachment which I have done over that needs to be removed from my account immediately. I am closing on my home soon and this needed to be addressed. 

DO NOT PLACE A FRAUD ALERT ON MY CREDIT REPORT AT ALL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: Security Credit Services, 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:
On XX/XX/2019, I have received an alert from XXXX  that an account has been flagged as collections. The account was an old XXXX XXXX account. Previously, XXXX XXXX sent the account to another agency that was not authorized in the State of Florida. The company SECURITY CREDIT SERVICES placed account # XXXX on my report. The company, SECURITY CREDIT SERVICES did not notify me of the debt. I have checked my credit report consistently,  and have never seen them until XX/XX/2019. I have also checked the US Postal Mail, and have not received any form of communication. According to the Fair Debt Collection Practices Act, a collector has to send you a written " Validation notice '' within five days of first contacting you. The notice has to state : How much money I owe, the name of the creditor I owe it too, and what to do if I do not think it is my debt. SECURITY CREDIT SERVICES has not done what they are required to do. They never sent any form of communication before they placed the debt in my file. They did not provide notice for me to dispute the debt or any portion thereof. 
*Collection Agency is on Page 55 of the credit report obtained from XXXX*

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
EquiFax explained that " the authentication questions on the Equifax website are questions designed to be known only by you. These questions may or may not be applicable to you. Its a protective measure that is used to deter any perpetrators from trying to gain access to your Equifax Credit Report. '' This is understandable and acceptable. However, the problem still remains that if I answer " None of the above '' to all 3 questions asked, I am not able to gain access to my free Credit Report online. This is highly inconvenient and unacceptable, as being a Credit Bureau, they have more information about me than anyone else out there. Therefore, they should be able to include at least one question that actually applies to me that I can respond with an actual answer that would allow for me to be able to access my reports. I understand ( and am guessing ) that the questions are probably automatically generated by some algorithm that they are using. However, if that is the problem, then they need to fix it to make sure to include at least one question that would apply to me. 

Although they did mail me one report b ack in XX/XX/2021, I am still unable to access my credit reports online. They are the only bureau that has this issue. 

I need to be able to answer ONE RELATIVE question to access my reports. Please fix your system to provide at least one relative question or change the way access is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: SUN WEST MORTGAGE COMPANY, INC.
State: UT
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:
Sunwest mortgage is reporting erroneous late notations on my credit file and they must be removed. I did a short sell on my house and sold it almost immediately and the new owners moved in very shortly after. However, Sunwest mortgage is showing 2 lates for XX/XX/20 and XX/XX/20. I was not late on this account, my title company was supposed to wire the money over. This was not my fault, whether or not payment was received on time was not up to me but my title company. I can only assume there was some kind of error on your end or my title companies end but this is not my fault. My house had already been sold and people were residing in that home for those months. Please remove the late notations from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Synovus Bank
State: KY
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have a secured credit card through First Progress ( Synovus Bank ) First Progress Credit Card. In XXXX of this year I signed up for credit monitoring services through my credit card and the services were provided by XXXX. I created an account and paid for my first months service of {$8.00}. Approximately, 2 months later I was given a chance to upgrade my services and I took that offer increasing my monitoring fee to {$14.00} a month. In XXXX I was billed on my credit card the normal {$8.00} on top of the {$14.00}. I went online to try to inquire about why I was being charged for the two charges when I agreed to the upgrade of {$14.00}. 
When I tried to cancel the {$8.00} services and only keep the {$14.00} services no where was there a place to unsubscribe or cancel. I was not even allowed to remove my method of payment to the {$8.00} services. I called 8 times to XXXX  and they said the Credit Card company must cancel it. So I called the credit card company and they said they had NEVER offered me such services but I was being billed by XXXX  and they had to unsubscribe me. I have audio recordings of every phone call placed to both XXXX  and First Progress. I finally use a phone number found on a older credit card statement and got a representative from XXXX  who stated she had removed the {$8.00} charges and canceled those services.And I would only be billed for {$14.00} because of my recent upgrade. When I hung up ALL of my credit monitoring services were canceled! I had to sign back up and now I have a {$19.00} charge for credit monitoring through XXXX. I would like to completely cancel anything to do with XXXX  and get a refund for {$43.00}. I have lost faith and all respect for both XXXX  and First Progress credit card. I am trying to rebuild credit and only have a {$200.00} credit limit. Secured by the way. If I cancel the card my credit will be damaged because it is my oldest credit card. I may or may not receive my security deposit of {$200.00} if I cancel without their permission. I do fear I will be punished punitively and with great prejudice to my credit report. So all my hard work and diligence to honor my credit responsibilities in a manner to which was agreed up by the bank and myself will damage my score and report because I am bringing this injustice to light for others to see and learn from my choices and mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: ONLINE Information Services, Inc.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a notification that a collection account was placed on my credit report. Looked into who it was and what for as I had never received a collection notice. Found out it was from Online Information Services for XXXX for a utility bill from a previous address. I received this notification in XX/XX/2018 and quickly responded to them with a debt validation letter. I contacted the utility provider ( XXXX XXXX XXXX ) and verified with them there was no outstanding bill due as it was paid in XX/XX/2018. The account was reported in XX/XX/2018 as unpaid which caused damage to my credit score. I disputed this account with all 3 credit reporting agencies, one has removed the account all together, one verified the account as mine and the last one has not responded or updated the information on the credit report. XXXX has removed the account. XXXX verified the account as mine and XXXX has not responded. One report I believe was updated to a paid collection, how can they provide false information to the credit bureaus as a paid collection when they never received a payment and the original creditor was paid directly?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
square up app Credit Card Processing and banking. 

On XX/XX/2020 I opened a square up app credit card processing account for my business. i processed 3 test run payments and was successful. On the 5th day i made a customer transaction for my business of {$5400.00} and although everything processed successfully. Square co put a hold on the funds of {$5400.00} and hasnt let me withdraw. They stated they were missing information of me and my business. That itself is understandable but not 6 days later. I Used to be a XXXX XXXX, no one should be allowed to complete and open an account, much less process transactions on accounts pending identity verification. Furthermore, Funds on hold with no notice is also unacceptable. At the time someone notice anything missing on my account, this processing account should of not let me process any payments. 
my account can be located with them by email XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
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:
To Whom It May Concern, I am writing to dispute the following information on my credit report, I recently received a copy of my credit report, and i found the following inaccurate information reporting to my credit. 

Equifax Account # XXXX Account Name : XXXX Inaccuracy Information : Date of last Activity Reporting : XX/XX/XXXX XXXX Account # XXXX Account Name : XXXX  Inaccuracy Information : Date of last Activity Reporting : XX/XX/XXXX XXXX Account # XXXX Account Name : XXXX  Inaccuracy Information : Date of last Activity Reporting : XX/XX/XXXX How can all three credit bureaus have three different dates on the same account. The dates of activity are incorrect and does meet FCRA. According to he Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of FCRA - You are required to promptly DELETE all information that is inaccurate, incomplete or which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax XXXX XXXX  and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: NJ
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 recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX, XXXX, and Equifax have not removed the mentioned items on the FTC Report. Once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed an XXXX XXXXcredence acct on my credit report i requested to validate because I never had XXXX XXXX  services. They sent me improper validation. 

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection XXXX a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2018, I sent a letter to Experian asking them to verify that the US BK CT-XXXX XXXX MI was reporting to them on my credit report, which they did. The courts do not report directly to the credit bureau about individuals credit, therefore, making the information 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 2022-09-01
Company: Self Financial Inc.
State: WA
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:
This is a continuation to complaint XXXX. Due to direct affects of the pandemic I was unable to respond within timeframe as I was medically incapable of doing such from direct affects of coronavirus. All attachments and arguments still stand and I also am accusing self lender of unethical and unfair operating practices. Self lender in their response makes claims that I owe a debt and notified me. I have repetitively and timely communicated with self about transactions that were unauthorized .Self lender has told me that i owe because i did not report the transactions withing their time period. in the attachments provided by me in case XXXX i have provided proof that is incorrect. I also would like to accuse self lender of taking advantage of me claiming to be a company to help build my credit with securities in place to avoid this very issue. When obtaining a secured credit card it states that the amount secured is the only way to increase limit amount. here is the information gathered directly from self 's web site. https : //www.self.inc/visa-secured-credit-card. to make this more egregious, my maximum limit was a very small fraction of what is said to be owed. i believe XXXX possibly a tad higher ( can provide exact information if needed ) and the card was used for several XXXX dollars at one point and unauthorized. The practices to gain assistance was and continues to be extremally laborious and unethically difficult to gain help. This is all laid out throughout attachments referring back to case XXXX this should be illegal to operate under the platform of aid and support with credit. the process to be eligible to receive a secured credit card calls for healthy and productive habits with their initial credit builder account in which I followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Self Financial 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: Account status incorrect

Complaint:
Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from Self Financial Inc. in regard to a CD account I had with them.

I spoke to a rep named XXXX who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the XXXX & 60 day late payment on my report. 

I spoke to the dispute department @ Self Inc. to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a licensed real estate agent working with a borrower to accomplish a short sale. Bayview Loan Servicing is refusing to assist the borrowers because they stated they do not have enough time  according to CFPB rules. Bayview received the short sale file on XX/XX/XXXX when the borrowers had a foreclosure sale date on XX/XX/XXXX. The borrowers were able to get the judge to grant additional time until XX/XX/XXXX so Bayview could review the borrowers for a short sale but they still continue to refuse based on the CFPB rules. My understanding is that once the file is submitted, the lender should have at least 37 to 30 days to review in which Bayview has this time. In addition, Bayview informed me that the net proceeds need to be $ XXXX in which the net proceeds exceed the amount at $ XXXX. Bayview is using the CFPB guidelines as an excuse to not assist this homeowner avoid foreclosure. NJ is a judiciary state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation