BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I TOOK OUT A CREDIT CARD WITH XXXX ABOUT XX/XX/XXXX. I HAD TROUBLE PAYING IT BACK, SO MY ACCOUNT WAS SOLD 3 TIMES TO A DEBT COLLECTOR. THE ACCOUNT ENDED UP WITH MIDLAND FUNDING LLC. MIDLAND FUNDING FILED A CIVIL SUIT AGAINST ME FOR OVER, XXXX. THE CREDIT AMOUNT WAS ONLY XXXX. THE HEARING WAS SCHEDULE FOR XX/XX/XXXX OR XX/XX/XXXX, BUT WAS RESCHEDULED BY MIDLAND AROUND XXXX TIME, XX/XX/XXXX OR XX/XX/XXXX. I SHOWED UP AT THE HEARING, BUT MIDLAND DID NOT. THE DISTRICT JUSTICE JUDGE, XXXX XXXX, PHONE NUMBER, XXXX, RULED AGAINST MIDLAND AND IN FAVOR OF ME, BECAUSE MIDLAND DID NOT SHOW UP. I NOW FIND OUT, THROUGH MY JOB 'S REQUIREMENT TO HAVE A BACKGROUND CHECK FOR CREDIT PURPOSES, THAT MIDLAND HAS TURNED THIS AMOUNT OF MONEY OVER TO THE CREDIT BUREAUS. I CONTACTED MIDLAND A MONTH AGO ABOUT MY CREDIT REPORT. A FEMALE WAS SUPPOSE TO GET BACK TO ME IN FEW DAYS, SHE SAID. WELL, I FOLLOW-UP WITH MIDLAND TODAY, XX/XX/XXXX. I SPOKE TO ANOTHER FEMALE EXPLAINING THE CIVIL SUITE AND I WAS EXONERATED, DUE TO MIDLAND NOT SHOWING UP TO THE HEARING. THE FEMALE JUST KEPT SAYING I OWE THIS DEBT. I ASKED TO SPEAK TO SOMEONE IN THE LEGAL DEPARTMENT, BUT SHE REFUSED TO TRANSFER ME TO THAT DEPARTMENT. I SAID TO THE FEMALE, MIDLAND CAN NOT SUE ME IN COURT AND NOT SHOW UP AND TURN ME OVER THE CREDIT BUREAU. THE FEMALE STILL SAID, I OWE THIS DEBT. MIDLAND FUNDING LLC TELEPHONE NUMBER IS XXXX. I'M ASKING THAT MIDLAND CLOSE THIS ACCOUNT AND REMOVE IT FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I purchased a new mortgage from XXXX XXXX on XX/XX/2019. The mortgage was transferred to Round Point Servicing Mortgage company in XX/XX/2019. We have made two payments : XX/XX/XXXX and XX/XX/XXXX and are about to make the third payment in XX/XX/XXXX. We have  contacted them several times because they are not reporting the information to the credit bureaus.

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 2015-05-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I applied for credit and was denied because of information contained in my Equifax credit file. I was advised by the merchant that my Equifax credit file had not been updated in at least XXXX months, but on some accounts, as many as XXXX months. I contacted Equifax to file a dispute over the phone and was advised that I have multiple files with Equifax that need to be merged. Further, the agent advised that I needed to go online to file the dispute because it had to be handled by a different department. I immediately went to Equifax online and filed the dispute. On XXXX XXXX, 2015, I received an email notification that the investigation was complete. I reviewed the results, only to find a bogus conclusion of : we ( Equifax ) are unable to combine your multiple credit files due to amount of data in each. I know this is untrue because years ago this problem arose, and Equifax corrected it. Now, when it first reappeared a few months ago, I have made endless phone requests to have this issue corrected to no avail. Please help me because Equifax 's inaccurate reporting of reporting of credit file has affected my quality of life in more ways than one can imagine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: EQUIFAX, INC.
State: VA
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:
Credit bureau is reporting an account from XXXX that I am not aware of. XXXX has not given me any information about this account prior to placing this account on my credit report. The credit bureaus have not given me any information on this account prior to placing this account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted EOS CCA about an account I described to them as a fraudulent account. Ive requested for verifiable proof or the debt be removed from my credit report and I stop being contacted. The company responded with a request to fill out an affidavit with a police report in which I have attempted to and was looked at and spoken to as if I were in the wrong and therefore not receiving a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Nelnet, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
DEPTEDNELNET Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax has n't sent my free credit report for the last two years & I know I did things right to get it when I called annualcreditreport.com. Someone from that company 's been lying about it the first time on XXXX to me & I have n't got a response about the XXXX one. I 've also informed the FTC & FBI about it on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This compliant is about the servicer SN Servicing, XXXX XXXX XXXX, XXXX CA XXXX and XXXX XXXX XXXX XXXX, XXXX NY XXXX They have transferred our loan several times over past year, and we were never notified that ownership of loan was transferred until we asked several times. 

They never gave us name, address and telephone number of the owner of the loan, until we asked court referee to get them to provide in XX/XX/XXXX, months after they apparently sold. 

On XX/XX/XXXX XXXX XXXX, debt collector filed Notice of Judgement Foreclosure  sale on our home, on behalf of XXXX, but XXXX had apparently sold our mortgage in XX/XX/XXXX, but we were never notified. 

XXXX XXXX XXXX XXXX, XXXX NY XXXX filed motion in court in XX/XX/XXXX, and were granted a judgement foreclosure sale on our home, and they went ahead with sale date for XX/XX/XXXX, despite the fact they did not own the mortgage and had sold the mortgage and transfer rights, but never advised us. 

We had no way of knowing who to contact of the new owners, as we did not know they had sold it, and we were still attempting to contact XXXX to stop the sale of our home, as we thought they were still the owners It caused huge stress for us between XX/XX/XXXX and XX/XX/XXXX, trying to stop sale of our home, and we did our own Order to Show Cause and stopped the sale of our home by XXXX. 

We later found out that XXXX did not even own the mortgage, and had fraudulently filed a Judgement for Forelosure sale in courts, in XX/XX/XXXX, and then they finally transferred the mortgage on court records from XXXX to XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX, a year and half after they apparently actually sold the mortgage again on XX/XX/XXXX to XXXX XXXX., but we were never notified of owner contact details sale etc. they only advised us it has been transferred, when we got a letter on XX/XX/XXXX. 

XXXX tired to sell our home, and filed false papers in court that they owned our mortgage in XX/XX/XXXX, when they had already sold it 6 months prior, but never notified us, and we had not way to contact lender and rectify. 

and new owners XXXX XXXX XXXX run by SN Servicing XXXX XXXX XXXX, XXXX, CA XXXX, have transferred our mortgage twice, and never provided all the supporting details or information that it had been transferred. 

Not once have they ever advised us where the transfers were recorded, or whom we could contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I recently received access back into my PayPal account after providing proof of identity and income now after a withdrawal I have received another limited account status please help me withdraw all of my funds. I do not want to do business with PayPal anymore this is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2019, I had called XXXX, Equifax, and XXXX to remove all inquiries except for one that I recognized. All other inquiries were done without my consent and without the WET INK signature required by Law pursuant to the Fair Debt Credit Reporting Act. So I simply told them to removed it for me because its been fraudulently obtained and they denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
please review the following accounts that appear on my credit report, they are not mine, it is hurting me. 

Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: LJ Ross Associates
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: Information belongs to someone else

Complaint:
Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. XXXX XXXX listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Credit bureau is reporting an account from XXXX that I am not aware of. XXXX has not given me any information about this account prior to placing this account on my credit report. The credit bureaus have not given me any information on this account prior to placing this account on 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
Consumer complaint received 2018-05-11
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found a collection account for medical on my credit report that I have never been to this urgent care. I completed a dispute on XX/XX/XXXX to all Credit Bureaus and XXXX XXXX and XXXX investigated and removed. I submitted to Equifax and have received more that 15 emails stating its resolved to check dispute. When I check Equifax the same message comes up their not able to handle my request. I submitted an email to their customer care on XX/XX/XXXXand received an email on XX/XX/XXXX stating Equifax was aware of the issue and sorry for the inconvenience and gave me the link to check the dispute. I replied and no response. I received more dispute complete emails and still unable to view the dispute and its still on my Equifax report. I then received and email on XX/XX/XXXX that my case was completed regarding the dispute error and nothing has been resolved. 
I was paying for Equifax service as well due to their Data Breach and this is the service we receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Summary : I am demanding that Equifax remove XXXX account XXXX from my credit report. Instead Equifax is ignoring the will of the court and placing undue burden on me by demanding I have a lawyer contact them in writing demanding removal of the account. 

Details : Equifax is publishing a XXXX Revolving Line of Credit account ( ending in XXXX ) that XXXX Count District Court ruled on XXXX XXXX 2016 was not my responsibility. In addition I was awarded {$5000.00} in consequential damages for the continued reporting of that account by XXXX XXXX ( reference attached XXXX County District Court case number XXXX ). Equifax was received proper notice of the case in XX/XX/XXXX and proper notice of the court findings and judgment on XXXX XXXX. Equifax acknowledged receipt of the findings and judgment on XXXX XXXX. I talked to an Equifax representative on XXXX XXXX. Despite proper legal notification of the court finding that I am not responsible for this account Equifax has refused to remove the account from my credit report. Instead, I was told I would need to have an attorney contact them in writing to have the account removed. It is my understanding that consumer credit bureaus are obligated to abide b court rulings once they have received proper notice. I am filing this complaint because I believe Equifax is attempting to improperly avoid it 's legal obligations by placing an arbitrary, undue and expensive notification / escalation burden on me that I am not legally required to fulfill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I need some Help with a Collection Agency again that has placed an OLD account on my credit report from XXXX that was handled by the Federal Trade Commision ( FTC ) and all Three ( 3 ) credit companies in the last 3yrs.This is an account that was handled by Medicare in XX/XX/2016. Now another company has been contacting me Via Phone ( on National Do Not Call List/Mail threating to take me to court. Now has Placed it in Collections Again. From Three years Ago. XXXX XXXX..I, m on XXXX, XXXX Veteran and XXXX Survivor . The Company that has taken the account is : Dept Recovery Solutions,XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: TN
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:
Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a 1099-C form. They would not let allow me to settle the account. They said the account is past the statute of limitations. Monday XXXX XXXX The operator said that they do not know if a 1099-C will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a HELOC with Bank Of America on or before XX/XX/XXXX. My credit was pulled and impacted on XX/XX/XXXX. I was called by a BOA rep to discuss my application the week of XX/XX/XXXX and was told I would receive a call back to order a valuation within a few days. No one ever called so I called back and again was told someone would be reaching out to me shortly. I waited a few days and went into the XXXX branch as was told no one there could help me and that I had to call the HELOC line. I then called back again and for the 1st time, was told that it would take 11 weeks to have my application reviewed. I went back to the XXXX branch to speak with a manager ( XXXX XXXX ) who said he would have to call me back after researching. He called me today to explain that due to staffing, the wait time is 11 weeks. 1. They pulled my credit prior to explaining the timelines and this had adverse impact to my score as well as taking away an opportunity to go elsewhere with my credit request. 2. From the attachment provided from my BOA application website, it shows ( And always has shown ) that only one item is needed for a credit decision. A reasonable person could assume that, based on my preferred status/relationship with the bank, the amount of money I have in deposit accounts with the bank and my excellent credit score, the information on the website is true and we are only waiting on a valuation that they have yet to order. If so, they will be in violation of my ECOA rights because I will not have a credit decision with- in 30days from application. This has been a horrible customer experience and I feel I was trapped into completing an application with Bank of America. I do not want multiple inquires on my credit and would have not completed an application with Bank Of America if they would have proactively informed me of their 11 week turn around time to just get a representative assigned. I have tried to work with Bank Of America on a resolution but it seems like they care more about tracking the complaint rather than assisting with a resolution. I was called back just to be provided with BOA Complaint intake case # XXXX, but with no further assistance as again, someone else will need to call me back.

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 2021-03-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The information currently reflecting on my personal credit from " XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, Starting XX/XX/XXXX to XX/XX/XXXX of this year, I started getting fraudulent charges on my XXXX XXXX Bank of America credit card. They didn't block my card or give me any notifications, I believe I only got a text message a week after. I wasn't able to view the account as I was extremely busy, but usually XXXX blocks my card whenever I have charges that seem fraudulent so I didn't worry about it. BoA didn't and it seems like whoever got my card info kept charging on my card. I had a charge for XXXX in Washington DC ( I live in XXXX and I don't travel there ), XXXX charge for $ 600+ ( I don't watch concerts ) and $ 2000+ charges for merchants that are named " XXXX XXXX   '' and " XXXX ''. I quickly disputed them after finding out and I requested for a credit freeze via XXXX. After a month, I got a letter in the mail saying they were unable to accept this fraud claim because " it's consistent with my purchase history ''. This is completely false and ridiculous. I don't buy anything for any airline hydraulics and I don't purchase in DC. I can 100 % confidently say my transactions do not reflect these fraudulent charges and BoA did not do a great job with their due diligence on investigating this. My credit score plummeted due to this and it's just unacceptable. I am not going to pay $ 7000+ worth of fraudulent charges that I did not make.

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