BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX submitting this CFPB Complaint to follow up the previous complaint I submitted on XX/XX/XXXX. I sent a letter on XX/XX/XXXX to remove some of the Personal Information, Accounts and Inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Under the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/, I sent a debt verification letter to Aldous & Associates , PLLC disputing a debt. I specifically asked for the company to validate the debt. However, the company has failed to respond for more than 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Bread Financial Holdings, Inc.
State: LA
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:
On XXXX this company did a hard inquiry on my credit with out my approval can you plwaae delete this I have fraud alert on my credit haven't applied for anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This, for the record, is my XXXX time trying to enter this information, some technical difficulty I guess... 
Again, I am a working XXXX  man with a FHA backed home loan. This is my first home, my mother, and XXXX sister live with me. Coming off of XXXX forbearance, I asked for, and received a loan modification agreement from Lakeview loan. 
Beginning XXXX. From the XXXX payment ( I have all my receipts ) I've received resistance, but sent my payment online, by bank, anyway I could, only to receive letters from XXXX, as if I was making some kind of " m partiapayments ' in XXXX they sent my mortgage to XXXX, who accepted payment until they told me it takes time to get all my records. But the don't see any loan modification agreement, and I asked them to please let me make my payment until they straightened things out, told me they would not accept anything until they validate this. I took pics of my agreement to a supervisor, and next XXXX I know they sent paperwork to begin foreclosure. Yesterday I received a letter that from XX/XX/21 to XX/XX/21 someone hacked our information and my personal information has been compromised! I can't believe what's happening! How can this be right?! They have a copy of my 'loan modification agreement in the foreclosure papers! Now that they've stop accepting payments! 
I'm so shocked, that no one will help us, unless it's these guys who wanted us to pay them some money and hellp me, Scammers! Please, please help me! These servicers and Lakeview loanXXXX are making me look like a liar and a squatter ... And all I want is to get things in order and love my home and I love my neighbors!

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 2020-12-03
Company: Central Portfolio Control Inc.
State: AR
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:
Advised to file by CFPB agent. 

No letter from CPC was sent showing its XXXX response on this site of a Cease and Desist with no further action and removal from reports. However, a letter dated XXXX responding to my objection of the debt was received. 

In its " proof '' of the debt, the previous claim adjustment from a insurance company was sent, but no documentation matching the original creditor or the original account number as cited in the letter. I have contacted the alleged creditor who has no knowledge or contract with this company. 

I am also have intimate association with one of the entities in the documentation proof and it appears that what XXXX has provided has been doctored. Payments are not made to this entity, payment detail does not reflect their methodology, payment detail information or coding information would not be sent to a third party, and there is ink transfer from another document. 

OverallXXXX XXXX has failed to provide evidence of this alleged debt, and further has failed to attempt to collected within law. 

CPC 's last response was that of a Cease and Desist and the CFPB agent has noted that correspondence stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
To XXXX XXXX & Blackhawk Network : I wish to reach out to you at the corporate for help regarding four ( 4 ) of {$200.00} XXXX Gift Cards that are NOT activated in XXXX XXXX store # XXXX located in XXXX, TX where I purchased & paid for on XXXX While I did return to the store earlier today, XX/XX/XXXX, simply asking for activation of those purchased GCs, the store Manager named XXXX acknowledged the issue with the activation process after confirming with the GC issuer, however, I was informed that the store awaits an escalation from both corporate offices to see how it should be done for a resolution. Again, I simply want the proper activation for the GCs I already paid for, so they can be used in store and/or online. Thanks in advance & look forward to a prompt reply & resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: MD
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/XXXX XXXX XXXX  report both me and my wife delinquent for the month of XXXX. I reached out to them and asked that they issue a retraction to all 30 major credit reporting agencies. 

On XX/XX/XXXX I received an email from Experian stating that they have completed their investigation and sided with XXXX based on their recommendation not to change the status.. I tried to explain that the month of XXXX isn't completed and that they can not stated that I am 30 days delinquent. I was then told that there's nothing more I can do. 

XXXX is a subsidiary of XXXX XXXX. They have been previously sued for this same thing/ Misdated demand letters.

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 2017-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My capital one account shows a 30 days past due balance since XXXX 2012, and I have spoken to the company, disputed it numerous of time and not thus far. So I decided to cancel the credit card, mind you I had 3 credit cards with Capital One for many years and always paid on time or very early and they still refused to correct this error. Can you please help me. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-10-07
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle holds the mortgage on my home since XX/XX/XXXX. I had made some additional payments towards principal in the first few months, till XX/XX/XXXX, totaling {$24000.00}. The principal owed seems incorrect. 
Last year XXXX, and again this year since XXXX I have been requesting a payment history since beginning of the loan, started XX/XX/XXXX. 
They promise, and nothing happens. 
I am refinancing the loan, and the payout is wrong. The Customerservice personnel do not have the requisite skills to reconcile my account, and refuse to connect me to their AR department. 
I am going ahead with the new loan with the wrong principal amount as I dont want to miss out on a great rate of XXXX XXXX 

I am in deadlock and hence taking recourse to seeking your services. I would like to see my account reconciled from start to end Thank you in anticipation. 
Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Ascension Point Recovery Services, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company has sent me a letter by mail for the estate of my father. They sent a copy of the letter to the probate attorney. I have no personal connection to any of his debts, so they need to stop harassing me. 

On XX/XX/22, they called me. I have previously told them to stop calling me, but now they are harassing me. I did not save the date of the last phone call attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXX of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My wife has XXXX and has had for several years. She had an account with Home Depot. Her XXXX XXXX  son has been causing all the trouble you all have fixed. He used identity theft to charge over {$8000.00} to her Home Depot card. I would not be on the same credit account with her. The Mississippi Attorneys Office is investing the son abuse of a XXXX  person. I do have an account with Home Depot. I do not remember using my card. I had a conversation with Home Depot. All of this was addressed. They H.D charged with her debit. It is not my account.

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 2022-08-04
Company: Caneel Capital, LLC
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
To whom it may concern I write to you this letter in hope to receive mercy with the situation we are in. I've been a XXXX XXXX owner since XXXX. We specialize in XXXX XXXX and XXXX  of XXXX XXXX. We are a XXXX XXXX XXXX  and we take responsibility and pride for the work we do and how we treat our clients and business partners. 
In the year XXXX  we made a wrong move by using our home equity funds to attempt to save the XXXX XXXX that was suffering from lack of finance, directly associated with the economic crash. 
We were trying to stay afloat and borrowed for business expenses associated with investments that eventually were all lost due to the market crash and recession that followed. 
Unfortunately my properties were lost to short sales and in regards to the equity line that was used for them, I was qualified for Obamas loan forgiveness and as a result my equity loan with XXXX XXXX Bank account # XXXX was charged off in XXXX of XXXX  The times were extremely hard, everything we worked so hard for was gone. We were struggling to survive day by day, devastated to be left with very little workflow and lots of bills. At that time my sister-in-laws family with their three children moved in with us for nearly three years, we were supporting each other in the devastating times for our businesses. 
I was under the impression that the second loan was dismissed along with short sales and other losses we suffered. I was advised by the firm that was helping us through the crisis, that the government had a rescue plan for the XXXX  crash, and we qualified for the benefit. 
For the next 13 years I believed in good faith that it was exactly that, I didnt see the loan any longer in my credit report, believing that in fact it was charged off. 
Recently, I received communication from Trinity, Financial Services with an account # XXXX, After reaching out for advice to my financial consultant and Trinity associate, I came to a realization that the loan hasnt vanished, but instead, it has doubled in the amount and that now Im at risk to lose my home. Im investigating to see what happened and why the loan we were told got dismissed in reality is still pending. As I am searching for answers and trying to retain my home, Trinity is not accepting my offer to remove the lien of my property. Instead, they are asking for unmanageable amount as down payment and repayment of the loan that was charged of by government assistance in XXXX. 
As of today, the mortgage payment I have is already above 50 % of our family income and in good faith I will not be able to pull another loan. 
Im investigating the cause of failed loan forbearance, and unfortunately not getting anywhere. Please help me to figure out the best option to save my home.

Im considering filing for bankruptcy at this time.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020, my XXXX Bank XXXX had XXXX transfer reversal from XXXX had been receiving XXXX benefits for a XXXX plus.Then I wake up with no money.I have talked to XXXX XXXX Bank XXXX XXXX and they all pass the blame to XXXX.No warning or explanation.I called for XXXX months trying to get the transaction history on my account mailed to me.I finally received them a XXXX ago.I have a screenshot of the transfer reversal.

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my second request to file a CFPB complaint. The current status should not be showing late because I paid it on time. The Credit Reporting Agencies lacks proper record keeping. The account is open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The XXXX and Transunion Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct this account immediately : XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$7200.00}.

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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I called TransUnion on XX/XX/XXXX and informed the agent that I was a victim of their inquiry issue and that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  Inquired on 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 2022-12-13
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX XXXXXXXX XXXX Account # XXXX, illegally reported a " charge-off '' to my consumer report. Charge-offs pursuant to the Internal Revenue Service , are " cancelled debt income '' which are typically reported on a XXXX or XXXX cancellation of debt. Those instruments constitutes certificates of indebtedness which is income and income CAN'T be reported on a consumer 's report. 

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given XXXX XXXXXXXX XXXX  whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Pursuant to : 15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-04-16
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a letter from I C System debt collection agency dated XX/XX/XXXX stating that their office is increasing the balance owed on a delinquent account due to additional charges being incurred. The original balance was {$66.00} and I C System added {$520.00}. I C System is now trying to collect over 8 times the original amount of the debt from me. On XX/XX/XXXX, I sent a postal money order ( serial number ) XXXX for {$66.00} to pay my co-pay to the original creditor. My job insurance paid the rest of the entire bill already. I don't owe any more money. This company is falsely stating and misrepresenting the amount that I paid. They sent me another bill for {$66.00} and added another bill for {$520.00}. They are trying to collect twice. This bill was already paid. Please help, this is unfair business practices. Any assistance will be greatly appreciated. Thank you.

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 2022-12-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is from a landlord trying to collect debt from past renters, but the renter was not me. The original company was called XXXX XXXX, and trying to speak with them about my identity being stolen and used to rent property with them was only responded with extreme anger and hostile threats by XXXX XXXX employees in XXXX Washington. The account is absolutely identity theft and I believe stolen by an ex boyfriend and his new girlfriend and they used my name to rent out of spite. I have tried constantly to fix this issue only to be treated like nothing I say matters. I've tried speaking with renters warehouse, and then it went to collections with Fair Collections and Out, and they have also been ignoring my requests and pleas. I'm not responsible for this account and I need it removed from my credit report. Because of it, I am unable to rent an apartment or get housing for myself and my daughter.

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