BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: Consolidated Recovery Group, LLC
State: OH
Product: Credit reporting 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 XXXX XXXX is my Registered Business Entity .. That's not me I'm a living man.. Everything is being false Reporting under my Business Entity tax ID number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The bank CAPITAL ONE AUTO FINANCE is reporting a late payment for XXXX & XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Collection Consultants of California
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have 5 debits listed that continue to change listing dates. Two of them in the amount of {$19000.00} and {$1100.00} where acquired XX/XX/XXXX and are listed on my credit report as opening a second time in XX/XX/XXXX. I have another two for XXXX XXXX that where acquired at the same time in XXXX yet they have been relisted as XXXX and XXXX.The last one that is incorrect is the nationwide recovery for the amount of {$260.00}. It is listed with a date of XXXX. I have not been seen by this hospital since XXXX. So the date should be from XXXX not XXXX. When the debits come close to the 7 year mark they are taken off and then relisted. Just as the one For {$19000.00} it was listed in XXXX and now again in XXXX. The ambulance one from XXXX for the amount of {$1100.00} was listed the same day as the {$19000.00} and its date has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit arranged a payment plan for me on a debt collection from XXXX XXXX XXXX, totaling {$1900.00}. The arrangement was as follows : - ACH payment of {$100.00} on XX/XX/2020 - ACH payment of {$650.00} on XX/XX/2020 - ACH recurring payments of {$390.00} on XX/XX/2020, XX/XX/2020 and final payment on XX/XX/2020 All payments have been made as per agreed. I was just notified by a credit monitoring website I use ( XXXX, XXXX, XXXX ) that {$410.00} is now being reported by Midland. I checked my account on the Midland website, to see that my old account, XXXX has disappeared, along with my payment history, and has been replaced with a new account number, XXXX. I have no other collections with Midland, and the new account shows as still being tied to the XXXX XXXX XXXX debt, which has been paid in full. I attempted calling Midland to ask what they are attempting to collect additional money for ( none of my payments were returned or bounced, can provide bank records to verify this ), and was bounced to several departments and then told to call back another day. I am refusing to pay anything over and above what has been agreed upon, and would like this information and these sums to be removed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been a victim of Fraud. I reported it to my bank ( Chime ) and they disregarded it. I do not think they looked into my claim at all. I reported all the unauthorized transactions totaling {$2500.00}. and I was given the following Dispute ID : XXXX. When I spoke to the representative on the phone he told me my debit card was charged at two different hotels ( thousand of miles away XXXX, XXXX, XXXX, and XXXX. I found out about this transactions through an Email chime sent me because I do not have access to my online account. I filed the dispute on Saturday XXXX XX/XX/21 XXXX and on Monday morning ( XX/XX/21 ) I received an email with the following information. Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. I am shocked. I feel betrayed. I feel robbed. I need this money to pay my rent, buy food, and pay utilities. After doing some research on the internet I realized that Chime will deny most/all claims. They are not willing to investigate fraudulent claims. But how can they tell me no error occurred when Im calling to tell them I have XXXX been a victim of fraud. That all my money is gone and I am left with {$5.00} dollars. I am very upset. I need help to get my funds back. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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:
THESE COMPANIES ARE IN VIOLATION AND HAVE NOT FOLLOWED THE FCRA REQUIREMENTS AND HAVE REINSERTED A ACCOUNT BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME. THIS GOES AGAINST THE LAW AND I WILL FILE A LAWSUIT IF THINGS ARE NOT HANDLED PROPERLY.

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 2018-10-04
Company: Global Payments Check Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
global check services used an invalid account # in XXXX on the XXXX online gaming site I nerver heard of them and they charged me fee 's three of them XXXX on XX/XX/2018 XXXX on XX/XX/2018 ,XXXX on XX/XX/2018 i had money in my account to cover the charges I RECEIVED three letters in XXXX tried to pay what i owe they charged off the account it affected my credit history they say tried contact me by phone they did not send me any more corespondence in XXXX a XXXXXXXX XXXX XXXXXXXX XXXX XXXX contacted me say i owe them XXXX i thought that may be a scam they called me XX/XX/2018 they offered me to pay XXXX i say no called them back an told them to send me a validation notice they said no agree to pay XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Currently hold a mortgage with Freedom Mortgage. The mortgage is and has always been in good standing. I was looking to refinance to eliminate Mortgage Insurance. I called Freedom on XX/XX/2020 to start the refinance process. 

On XX/XX/2020, I received an email that there was a lien on my property, as a result of a business transaction. Within the email I was told that I needed to hire an attorney, which they referred, to file a Homestead Affidavit as Release of Lien. Once filed we could then proceed with the closing. 

I hired XXXX XXXX for the task and the affidavit was filed with XXXX XXXX on XX/XX/2020. A copy of the filed affidavit was sent to Freedom Mortgage and XXXX XXXX XXXX. 

Since then despite my repeated attempts to obtain a status nothing has been forthcoming from Freedom. XXXX XXXX, my original contact, told me that he was re-assigned and no longer handled mortgages. The person he referred me to, told me that she was not handling my case. 

On XX/XX/2020 I sent a letter via email to XXXX XXXX, detailing my experience with Freedom. No response. On XX/XX/2020 I Certified Mail the same letter to XXXX XXXX. It was received and signed for on XX/XX/2020. No response through date. 

I have spent almost {$1300.00} between legal fees and appraisal costs. I would like a response as to why we have not proceeded with the refinance.

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 2016-09-07
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
WE FELL BEHIND 2 PMTS. WE SENT IN 1 XXXX PMTS FOR 4 MONTHS BUT THEY KEPT SENDING THEM WANTING THE FULL XXXX DUE, WHICH WE DID NOT HAVE. THEN THE HARASSING CALLS SEVERAL TIMES EACH DAY. AFTER FINALLY TALKING TO A REP HE TOLD US TO STOP SENDING PMTS UNTIL THEY GOT IT STRAIGHTENED OUT, THAT WAS 3 YEARS AGO. NOW THEY HAVE FORECLOSED AND ARE AUCTIONING OFF OUR HOUSE ON XX/XX/2016. STAY AWAY FROM THESE PEOPLE THEY WILL XXXX!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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: Information belongs to someone else

Complaint:
Problem with Equifax for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened.

1 ) XXXX XXXX  original creditor XXXX XXXX 2 ) XXXX XXXX original creditor XXXX XXXX 3 ) XXXX XXXX original creditor XXXX  XXXX I have not done any business with these companies. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To :

Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$97.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request  the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$97.00} -This 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 explanation
Consumer complaint received 2021-03-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for Synchrony Bank that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted Synchrony Bank in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between Synchrony Bank transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( XXXX XXXX and 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 2020-09-18
Company: EQUIFAX, 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 sending an affidavit because I saw my credit report and there is so much inaccurate info on there. I am a victim of identity thieft. Someone stole my information and opened up accounts under my name. These fraud accounts are holding my credit score down. please investigate and remove these fraud accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Shellpoint Partners, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am in the process of selling the home that I originally financed in XX/XX/XXXX under Guaranteed Rate. The servicing rights have changed hands twice ( Shellpoint then New Rez ). In XX/XX/XXXX, I refinanced for a small payout to make some final repairs so that I could be ready to sell this fall. The payoff documentation to discharge the original mortgage has not been filed with the Town of XXXX XXXX so, as part of the closing process, my attorney has been trying to get the document faxed to his office ( for about 2 weeks ). It is now 3 days before my closing and we still do not have the document. I tried calling New Rez and have been told part of the loan release process was not completed and they will " let me know '' when they can have it done. This could delay or disrupt my closing and cost me nearly {$80000.00} in proceeds. Not to mention, my buyer has already sold her house and needs to move in.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: MI
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: Other problem getting your report or credit score

Complaint:
I have been making effort after effort to try and access my dispute but I am unable to. I made efforts to call and I do not get the option to speak to someone.

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 2018-03-06
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went through a financial hardship and tried to make a payment plan. Sallie Mae would not work with me. I would answer their calls and try to do partial payments until I was caught up. I was told I would have to make a full payment. I fell behind on payments as I tried to make the monthly payments and was told that I wouldn't be able to refinance and that I would have to pay for the full amount owed or they would send my loan in collections. I basically had to try to pay it back down or owe the full amount of the loan. I told them it was utterly impossible and they did not work with me. Deferment was not discussed with me. 

Also, they called my employer multiple times asking for me, three times after I told them to not use my work phone number as it could get me fired and then I couldn't pay them. Most of the representatives were rude and demeaning, even to the point of getting loud with me. 

The employees went as far to call my father ( who is not even on the loan ) and discussed personal information on the loan- which is illegal to discuss details on a loan to someone who is not a borrower. The employee even told my father that he was responsible to the payment on the loan and had to pay to make it current. My father knew he was not on the loan so he told them to discuss it with me and then he called to tell me what was said. They continued to harass him so I had to remove the number as one if my contact numbers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: MA
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/XXXX, I contacted XXXX about the following incorrect information on my credit report. To this date, they have not responded. 

I am writing to request that your bureau verify the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7800.00} ) account due to incorrectly reported data. I am unsure of the accuracy of the reported balance of {$7800.00} as I do not recall owing such a high amount. Your agency presented this account as closed and charged-off, therefore the past due amount should not be reported. I will be contacting the creditor to clarify this matter. In the meantime, I request that you mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 

The account XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$1900.00} ) needs to be examined due to incorrect reporting. The balance reported by your agency of {$1900.00} appears to be higher than what I remember. Since your agency presented this account as closed, the past due amount should not be reported. I believe it would be beneficial to address this misleading data directly with the creditor. However, I need your agency to report the account as disputed while I work to find a solution. 

The following account is not mine : COLLECTION ( Date Opened : XX/XX/XXXX, XXXX : {$1400.00} ). I request that you remove it from my credit 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