BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I received a response back from XXXX as well as XXXX  stating that there was no update to the accounts in question ( XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. After receiving my initial response from the credit reporting agency, I asked for additional information as to how this information was verified and received no response. 

Most recently I have sent letter to the Credit Reporting Agencies ( Equifax, XXXX, XXXX ) requesting a review of incorrect information, including the above-mentioned accounts as well as outdated personal information. I provided a copy of my drivers license to show proof of residency. Two letters have been sent one on XX/XX/XXXX as well as on XX/XX/XXXX. At this time, there has been no response from the credit reporting agency or the collection agencies in question

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we I closed on the sale of my home. 
We had a Mortgage that was with Select Portfolio Servicing , Inc . 
The payoff of the mortgage was received by Select Portfolio Servicing , Inc. on XX/XX/XXXX This mortgage was assigned to XXXX XXXX XXXX XXXX XXXX, as Trustee for the benefit of the XXXX XXXX Seasoned Loans Structured Transaction Trust, XXXX XXXX whose address is c/o XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The mortgage has still not been satisfied at the XXXX County Clerk 's Office, XXXX New York We have made numerous attempts to get this company to satisfy the Mortgage. They told us it was paid but now 8 month later the mortgage is still not released at County Clerk 's Office. 
They are very uncooperative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Hirshberg Acceptance Corporation
State: MI
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 The company reported to my credit the same account at separate time with ( 2 ) separate amounts thats owed ( 1 ) amount stated XXXX and the 2nd amount stated XXXX ( for the same account ), It impacted my credit score lowering it dramatically in which case caused a loan I was applying for to be denied. Ive contacted the company explaining this issue only to be placed on hold and then hung up on. Ive recently reached out again in XX/XX/2021 and still havent had any luck.

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 2021-05-21
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Carnival MasterCard which I closed on XX/XX/2020. The balance was {$0.00}. 
A charge was applied against that card for {$9.00} on XXXX XXXX, XXXX after the card was closed. I do not understand how a charge could be made after I closed my account. Since the time that the account was closed I did not receive any monthly statements. 

I spoke with an account rep on XXXX XXXX  who saw that the account was closed and that the balance was {$0.00}, and he said he would forward it for further investigation. I called again on XX/XX/XXXX since I hadnt received a response. I was told that charge was from XXXX XXXX for a back-ordered item from XX/XX/2020, and that the late charges and interest accrued a balance of {$120.00}. The representative I spoke with tried to explain that the charge was authorized but delayed because it was back-ordered. Nonetheless, a charge was made against my closed account. 
I called again today and was told a letter was mailed to me on XX/XX/XXXX, saying that the dispute is being investigated and may take 45 days. The balance now is {$16000.00}. 
Meanwhile this has affected my credit report as late payments for 3 months. 
I am willing to pay the {$9.00}. I have requested that they dismiss the additional charges. 
My complaint is that they allowed a charge against my closed account, they didn't send me any statements, and this is taking too long to resolve.

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 2020-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing this due to non-compliance with XXXX Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Experian to notify them that Bankruptcy XXXX needs to be investigated for verification because it should not be reporting on my credit report. Experian responded to my request for verification with a response that the account was " Verified '' sighting the source as XXXX XXXX. I contacted XXXX XXXX regarding the bankruptcy & XXXX XXXX sent me back a letter stating that they could not Verify the Bankruptcy XXXX ( see attachments ). Sent a letter back to Experian and requested a deletion & proof that they had did a " reasonable investigation to ensure the maximum possibility of reporting ''. Experian is willfully reporting erroneous, damaging, and unverified information on my Experian report. They are in direct violation of my consumer rights and of FCRA 15 U.S.C 1681 ( a ). and is causing great harm to my ability to obtain financing and/or credit in a time where it is needed during this pandemic crisis.

15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v.Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the 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
Consumer complaint received 2020-11-16
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a collection notice from a firm for a XXXX credit card purchase and penalty and interest. The card was issued from Comenity Bank. I have no record of the credit card, no record or awareness of the purchase. I never received any information from XX/XX/XXXXComenity regarding a credit card, terms of the credit card, the disputed transaction ( including item purchased and sales cost ), annual percentage rate, terms of payment, late payment penalties, or any other notifications that may be required under the Truth in Lending Act, Fair Credit Billing act, or other fair credit/consumer protection act. 

I reviewed this with one of the collection companies. After numerous conversations about the situation, I was finally provided with a copy of a credit card bill, with no information of a transaction, but only a statement of past due amount and interest and penalty charges for that month. I requested documentation of the transaction but none could be provided. I therefore filed fraud dispute. 

Comenity Bank responded to the dispute stating that their investigation found no basis for my dispute and they would thus commence forwarding statements to me. They have still provided no information regarding a purchase transaction, a credit card, terms of the card, etc. Their response stated that they received my dispute on XX/XX/XXXX and they " completed their investigation '' and composed their letter one day later on XX/XX/XXXX. 

In conversations with the collection company it was found that the alleged credit card bills were sent to a general area where I was living but it was improperly addressed to an address that does not exist. I would never have provided that address to anyone, and I am not aware how they obtained it. 

I have been harassed by collection companies for months on this issue and have never received any information to validate their claim of a purchase or credit agreement. 

Past correspondence to Comenity is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Capital One is listing a card on my credit that I am not owner of nor am I responsible for. It's another person 's card and it's not mine and never has been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Credit Control, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
made pursuant to 15 USC 1692g ( b ). I hereby request that your company provide me with evidence of this debt. I demand this company provide me everything that I ask in the Validation of debt Letter. I also would like this company to cease all forms of communication with me through any and all mediums.

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 2020-07-07
Company: Hello Digit, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a Digit account that helps me save money & you guys are blocking access. The app is a great account Ive been using since 2018. Please fix that service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Windham Professionals, 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:
WYNDHM is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see WYNDHM report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that WYNDHM please take leniency on my hardship and remove any XXXX and XXXX lates as a onetime goodwill adjustment.

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 2020-06-02
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

EQUIFAX XXXX {$7000.00} XXXX  XXXX {$26000.00} XXXX XXXX {$22000.00} XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a few things on my report for years and it seems like they wont take it off its been on there to long and its also in a bankruptcy

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 2020-12-02
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent in a dispute for inaccurate information reporting on my Equifax Credit report, and a follow up request about the dispute on XX/XX/XXXX for the follow accounts US Dept Ed this - This is a duplicate account reporting over 12 times XXXX  - This accounts is being reported with the same information on different accounts They have failed to respond to the dispute within 30 days. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau with no record of them even marking the account as disputed. 

*attached has the letters I sent, with confirmation receipts, and report pulled from XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX LAST XXXX XXXX XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX XXXX XXXX {$1100.00} I have enclosed a copy of the Federal Trade  Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I mailed a letter to TransUnion regarding the accounts listed below XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX Unverified Account On XX/XX/2020, I mailed a letter to TransUnion removing the incorrect personal information on my credit report. This information included old addresses, phone numbers and place of employment. I have not received a response regarding this request to this date and the information still remains. 

On XX/XX/2020 I received a response from TransUnion removing 2 of the accounts above ( XXXX and XXXX XXXX XXXX XXXX ). The other accounts listed on the letter from TransUnion indicated the accounts were accurate and verified. 

I responded to TransUnion on XX/XX/2020, on the accounts they listed as verified and accurate. In my correspondence, I asked TransUnion to provide me copies of original documentation depicting my signature. Furthermore, in my mailed letter, I asked TransUnion to verify the account listed below. 
XXXX  XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account As of XX/XX/2020, I have not received any correspondence from TransUnion by mail. I am aware that we are in an pandemic and extra days have been given to the bureaus additional time to respond. However, they have exceeded 45 days and more.

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 2019-05-29
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Bureau of Collections of Maryland , Inc sent a notice on XX/XX/19 to offer a settlement of debt if I paid {$2900.00} by XX/XX/19. I paid the amount as directed by the due date, the check was turned into an ACH withdrawal and can provide evidence from my credit union account. They are still calling several times a day claiming that I still owe a balance of {$1500.00}. I have the settlement notice in writing. When I spoke to them on XX/XX/19 and explained there is a mistake, they said they see my {$2900.00} payment, but that they have no record of the settlement offer they sent to me. Also they are not confirming that the Department of Education on XX/XX/19 seized my XXXX Tax refund of {$500.00}, which should have reduced the amount of settlement I needed to pay.

Company response to consumer: Closed with explanation