BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: Mountain Run Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had two 36 month contracts with XXXX  which ended in 2014. I formally cancelled the contracts in writing however XXXX only cancelled one account. XXXX continued to bill me for services for one of the two contracts after the written cancellation. I notified XXXX multiple times via emails and telephone calls. XXXX was on autopay and collected funds well beyond the contract period and after the cancellation. I asked for a refund of the amounts paid in error which XXXX refused. I stopped payments then XXXX sent the account to Mountain Run Solutions , LLC ( collection agency ) which then reported on my credit reports. I notified the Mountain Run Solutions , LLC that I do not owe this debt. I forwarded copies of the emails to XXXX to prove that I do not owe this debt. Mountain Run Collections refused to remove this from my credit report after receiving proof of cancellation. 

I am purchasing a house and have to pay a higher interest rate as my credit score was negatively impacted by the erroneous credit bureau collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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:
During the time period of XX/XX/XXXX - XX/XX/XXXX I contacted several companies reporting negative information to review and assess this information. I'm a victim of identity theft and believe these accounts are related to this occurrence. I provided sufficient documentation to justify my position and prove that this information is inaccurate and does not belong to me. These companies have failed to provide any substantial proof of these claims belonging to me. I'm troubled by these actions because despite the removal of the same inaccurate information from the major credit bureaus these companies continue to report as verified. I still do not have not any proof from the creditors certifying their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: NATIONAL ASSET MORTGAGE, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Trying to refinance my home that I have with National Asset Mortgage however this mortgage company refuses to release or sign off on my deed to the home. XXXX XXXX has paid them the balance owed on the house and they have attempted as well as I to resolve this matter with no success and now I pay XXXX XXXX monthly but I still have not received a signed deed from National Asset Mortgage and my current refinance loan has been canceled due to this matter they are located in South Carolina and the phone number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I test drove a vehicle and they asked for my information. I gave them it with the intentions that they promised my credit wouldnt be ran ( only soft hit ) They lied to me and ran my numbers. Then in questioning the company they continued to lie to me saying they didntThis all happened XX/XX/XXXX. I am beyond furious because my credit score was XXXX and now down to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
Someone got a car loan for a XXXX XXXX XXXXXXXX through XXXX XXXX under my name, The address that person used is not my address XXXX XXXX XXXX, XXXX Tx XXXX. 

My address is : XXXXXXXX XXXX XXXX XXXX, Tx XXXX Account : XXXX XXXXXXXX

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 2020-12-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've mailed multiple letters out demanding the inaccurate information on my credit report be fixed. Experian has negated to acknowledge I am submitting these complaints. I have supplied appropriate proof of identity to show it is me ( XXXX XXXX ) submitting these complaints. Experian 's automated message is a disgrace and they are not taking the time to make sure the consumer complaint is being handled the right way. XXXX  and XXXX  have failed to produce results from their investigation. The items mentioned in the letters attached need to be deleted and I need to be provided the updated credit report showing they are removed.

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 2020-09-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XXXX, XXXX I realized that I am a victim of Identity theft for over seven fraud accounts were opened under my name, this happened after I requested the three annual free credit reports on XX/XX/XXXX. Although, one of the fraud accounts was already charged off in XXXX " JPMCB- CHASE Credit Card '', however, I insisted and went ahead and reported this JPMCB Card with all the three credit bureaus more than once, I also contacted the fraud department and the recovery department of Chase Bank XXXX than once trying to remove this fraud account from my name. My last contact was around XX/XX/XXXX, eventually they asked me to fax or mail many documents as a proof of identity theft and proof of address of when the fraud was committed. Accordingly, on XX/XX/XXXX, I faxed all the required documents including ( Cover letter & personal statement, Police Report, FTC ID theft Report, 3 different proof of addresses documents ( Back dated to when the fraud was committed ), Proof of Identity ... etc. 
On XX/XX/XXXX, I received a letter from CHASE Bank stating that Chase has provided the three credit Bureaus with the correct information, however, after I called Chase on XX/XX/XXXX to know what does that mean, they stated that after their investigation, they found out that the account was valid and not fraud. I want to escalate this case please and remove it from my name, and willing to help the authorities in any investigations or information they seek.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
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:
HELLO I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL FRAUDULENT INQUIRIES FROM MY CREDIT REPORT HERE I LEAVE IDENTITY THEFT GURDAR ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, 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  AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX XXXX : Account Number : XXXX  -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened :XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : JXX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   : Account Number : XXXX -- >Date Opened :XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   XXXX XXXX : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened :XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXXXXXX, XXXX XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -OpenedXX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX   GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam ; The Information Listed Below, which appear on my Credit report does not Relate any transactions that I have made. 
This is the Result of identity Theft. Please Block and remove these Fraud Accounts off My credit. 
Pursuant to section 605B of the Fair credit reporting Act, and send the required Notifications to all Furnishers of all Information. 
thank you for your time

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 2020-07-20
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:
I sent letters on XX/XX/XXXX, which XXXX  received on XX/XX/XXXX. I have not received any response to my disputes requesting a signature that I owe the debt. I sent follow up letters on XX/XX/XXXX, which were received on XXXX. I have not received any communication regarding these disputes requesting a signature that I owe the debt nor did I receive anything from the listed creditors. Also to add, I've disputed directly to XXXX and their address on my credit file is incorrect so there is no way I can reach them by mail. I provided evidence of this, but no action has been taken yet. These issues are preventing me from getting a house and a car, which I can't do until these issues are resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: MS
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. XXXX is reporting the status of this account as a collection/chargeoff. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN for identification purposes so the bureaus will investigate my complaint. ) XXXX XXXX is claiming that I made a {$56.00} payment, which I did not make, and now the ( 3 ) bureaus have moved the date of last activity forward. When the false payment was reported it triggered the lates to report as well, which is incorrect. This account was opened in XX/XX/XXXX and the statute of limitations for reporting in the State of Mississippi is ( 3 ) years. This is clearly a violation of the Fair Credit Reporting Act for Credit Acceptance to claim a payment had been made when clearly one was NOT made, in order to move up the date of last activity on my credit report. It is also a violation of the  FCRA to not report accurate information on a credit report. This incorrect reporting is harming my credit score and these line items need to be removed entirely from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2021-07-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have two complaints. 

( 1 ) I refinance my loan with Freedom Mortgage with another company. The new mortgage company paid my loan off on XX/XX/2020 and everything settled on that day. It is now XX/XX/2020 and I have yet to receive my Escrow refund or the refund for over-funding of the loan as I had to make 1 extra additional payment before the loan funded. Freedom Mortgage has not provided refund for my escrow and the over-funded amount within 30 days of the settlement. I have contacted them with no response. 

( 2 ) Freedom Mortgage charged me a {$30.00} fee 5 times for a payoff request from XX/XX/2020 - XX/XX/2020. This is absurd and I have asked for evidence for each request. I have not received any reply from Freedom Mortgage about these gross overcharges.

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 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 paid in full on the account with XXXX XXXX for the {$290.00} dollars on XX/XX/2018. In the front of the check shows paid in full as agreed when they accepted the terms and conditions when they cashed this check. Also the XXXX rep that made the deal told me that this account will show paid in full and the account will be deleted from my credit report. And that is not the case so I'm now compelled to file a complaint with your company to force XXXX XXXX  to remove this negative information off of my XXXX credit report and XXXX credit reporting agency. And the name that XXXX is reporting of XXXX XXXX XXXX is not my name and is inaccurate information about me. My name is XXXX XXXX  XXXX XXXX is my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Greetings, Property, : XXXX XXXX XXXX, XXXX Texas XXXX You may have to open another category for such a Misrepresentation of facts and complaints. 
As an investor who purchased a property from XXXX County Constables Foreclosure Auction located in XXXX Texas on XX/XX/2018 Im contacting your office asking for assistance. 
This is about attorneys ( Linebarger Goggan Blair & Sampson, LLP ) which representing the XXXX County at least in this matter. Misrepresentation of fact and or mistakes has happened which is outrageous and despicable. 
This law firm representing XXXX County constables foreclosure auction which take place on first Tuesday of every months and this law firm is responsible party for all legal work and data presenting to constables for all eight ( 8 ) Precincts for Auction. 
This is about a house which was sold in the same auction for a value based on what it has been apprised by XXXX County appraisal district ( XXXX ) ( attachment1 ) and Daily Court Review News paper release ( Attachment2 ) and their wide screen monitor. 
the picture of house shown in the picture ( attachments3 )  MYSTERIOUSLY THE HOUSE DOESN'T EXIST but a empty lot. 
Obviously the law firm didnt correct the fact and irresponsibly sent the incorrect information to constable, as constable informed me. 
I have called the law firm and spoke to person named XXXX few times he agreed with me however he didnt have any authority to rewind the sale or offer any solution except asking me to talk to attorney in charge Ms. XXXX who refused to come to the phone to talk to me. Then XXXX asked me to write her a letter and I wrote three letters one certified mail and two e-mails explaining the problem but Ms. XXXX sent me an e mail and offered no solution. 
I understood attorney XXXX is the attorney in charge of this matter and she is not willing to admit her mistake and misrepresentation of the fact. 
I went and met Sergeant XXXX who is the head of XXXX county constable foreclosure auction for XXXX XXXX ( where the property was bought ) and he is the in charge officer who sold the property to me as a higher bidder, Sergeant XXXX agreed 100 % the mistake or misrepresentation has occurred by Linebarger Goggan Blair & Sampson, LLP law firm and they are the one who need to correct or rewind the sale, but attorney XXXX refused to do anything about it. 
At this point I contacted your office ( CFPB ) to file a complaint and the lady at your office asked me the it is better to file complain on line. 
Your assistance in this obvious wrong doing is greatly appreciated, For any additional information please call or e-mail me, Thanks, Regards, XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAPITAL ONE BANK NA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
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: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : 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 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

Company response to consumer: Closed with explanation