BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been contacting this company for over two years trying to verify a debt that XXXX XXXX states I owe. I have repeatedly asked for verification of debt, method of verification, names of who they spoke with to verify the debt and even sent a letter to the original creditor who stated that they no longer have any records and I need to call Midland but they have yet to verify a debt I supposedly owe. I do not owe this debt nor do I have any knowledge of this debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I sent in various letters stating the law and why it is illegal for unauthorized accounts that were furnished on my report without my consent needed to be removed. The reporting agencies have not removed these accounts that have been illegally furnished on my account. I sent in notarized affidavits along with my FTC reports and other documents I will upload here. These documents were sent to Experian, XXXX, and XXXX. The accounts are still on my consumer report and I am going to take my documentation to the courts and sue for every violation that is on my consumer report. 

I would like to state that Experian, XXXX, and XXXX are in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave written consent to report anything on my consumer report. No consent is identity theft. The items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow Experian, XXXX and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If Experian, XXXX and XXXX wants to continue doing business with me they should delete the unauthorized items from my consumer 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 2020-04-24
Company: Social Finance, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Company name : SoFi I am trying to close on a refinance mortgage loan with SoFi. I have requested accommodations for an e-closing and hybrid closing due to the COVID-19 pandemic, but the company has refused to accommodate the request. They have not provided information as to why. Per XXXX XXXX and XXXX XXXX guidance, these accommodations should be allowable especially given the circumstances. These are unprecedented times, and I would like to reduce time and contact with the notary. If this will not be allowed, then I would like an explanation as to why. I requested this information multiple times, but have yet to receive an explanation as to why. 

Here is my request time line with SoFi. All requests were and responses were done via e-mail : XX/XX/XXXX - Requested information on e-closing XX/XX/XXXX - Denied request for e-closing by XXXX XXXX XX/XX/XXXX - Requested a hybrid closing XX/XX/XXXX - Told that hybrid closing option " may work '' by XXXX XXXX XX/XX/XXXX - Told by XXXX XXXX that they are still looking into the hybrid closing option XX/XX/XXXX - Requested hybrid closing again to XXXX XXXX, XXXX XXXX, and XXXX XXXX   XX/XX/XXXX - Told by XXXX XXXX that they will continue to look into the hybrid closing option. 
XX/XX/XXXX - Informed by XXXX XXXX that this accommodation was denied. No explanation was provided. 
XX/XX/XXXX - I requested further explanation as to why this accommodation can not be made, but no response has been given and closing is next week. 

**Expected closing date is XX/XX/XXXX - I would still like to have a hybrid closing completed. 



Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midwest recovery systems is trying to collect a utility debt from me that was incurred over ten years ago. The original company I owed the debt to was XXXX XXXX in the amount of {$810.00}. They constantly call my phone numerous times throughout the day and on weekends. Now they are contacting my daughter her telephone number is XXXX and threatening her that they are going to call her employer. This is harassment and it needs to stop. I have block several telephone numbers that this firm uses. If you need any of these numbers please contact me. 

The harassing company is : Midwest Recovery Systems. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX MO. XXXX. Their telephone number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Commonwealth Financial Systems, 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: Their investigation did not fix an error on your report

Complaint:
: I have recently been informed again that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$240.00}, {$240.00}, {$240.00}, {$350.00}. I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twice or reported wrongthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per XXXX opinion letter from XXXX XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EOS Holdings, 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: Information belongs to someone else

Complaint:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
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:
This is a complaint against timeshare XXXX  XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal 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 2021-05-14
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Items have been removed by other vendors. Transunion has been notified via certified mail ( see receipts ) and refuse action. Any assistants with this issue id greatly appreciated. 
Thanks XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
A few days before XX/XX/XXXX I added my Capital One QuickSilver card ( ending XXXX ) to XXXX XXXX  on both of my personal XXXX XXXX smartphones. The installation happened seamlessly without issue in both cases, and I received no contact from Capital One accordingly. However, when I attempted to purchase {$300.00} worth of goods at a local wine shop on XX/XX/XXXX via XXXX XXXX, the transaction was declined twice. Instead of a text message to confirm my authenticity, I received a brusque email telling me to contact customer service so I needed to complete the transaction with a XXXX card instead. When I contacted Capital One at XXXX XXXX  ET on Sat XX/XX/XXXX, I was told that I must authenticate the account even though I was calling from the phone number on the account. After going back and forth with the CSR, I requested a manager. The manager refused to apologize for their conduct and demanded that I authenticate. I declined to do so. The manager then said he would be closing my account. It is unconscionable that a CSR manager would close an account on the phone with an unauthenticated customer, when said action is stated to be irrevocable. I want my Capital One card reopened ( 8+ years of spotless on-time payments ) and the manager in question to be terminated from employment at Capital One for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Investigation took more than 30 days

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian, XXXX XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, Equifax XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: CT
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:
Complaint against : XXXX XXXX XXXX, XXXX, Equifax and XXXX  I purchase a vehicle in XXXX that was was voluntarily repossessed by XXXX XXXX XXXX in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. 

My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} ( {$8400.00} ). This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ).

The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C.

THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All of my old history has been deleted from my equifax report. This has caused my credit score and history to go down drastically and when I call Equifax they have transferred me to different people all saying the same thing that there is no history of anything being deleted.I have proof from my previous monthly report and have offered to submit to them but they say nothing they can do so I need to contact my credit card company which i have and they assured me that everything is being reported correctly by them. My history consists of all my good accounts from XXXX XXXX XXXX opened on XXXX, XXXX XXXX opened XXXX, XXXX opened XXXX, XXXX opened XXXX, XXXX XXXX XXXXs opened XXXX, XXXX opened XXXX. I have also attached proof of the accounts being on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking account with Capital One 360. There was a deposit from SBA in the amount of {$29000.00} deposited into the account in XX/XX/XXXX for XXXX XXXX, due to covid19. In XXXX, Capital One froze that account due to " supposedly fraudulent activity ''. I called them and spoke with the representatives, mind you never speaking with an investigator at any time. I sent them the documents that they requested to show that I do have a legitimate business, with EIN for Sole Proprietor. These documents were sent on XX/XX/XXXX. I called a few days later to follow up with Capital One and was informed, again by the CSR, that the account had been closed and funds returned to the SBA by Capital One investigations. I am trying to find out why with no success. I then called to SBA to insure that the funds were indeed returned and they have no record and can not trace the funds. I am currently trying to trace the funds, along with an attorney from SBA to find out where they were sent. I am not getting any assistance from Capital One. I need this issue resolved so that I can assure I am not held accountable for funds that was improperly returned to the incorrect location and never makes it back to my loan. I have called Capital One several times and am told that I need a subpoena. I can only get a subpoena if there is a lawsuit. I do not intend to or never have I intended to file a lawsuit against Capital One. I need assistance in assuring that these funds are returned and I am not held accountable for the unused portion of the loan. 
In the interim, I am the only person held accountable for the funds from this loan. I am/was the account holder and have no way of obtaining a subpoena for records as I do not have a pending lawsuit against Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Mortgage Research Center, LLC
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I filed a prior complaint ( XXXX ) against Veteran 's United as the company refused to recognize my state issued Veteran 's property tax credit. Only after complaining to CFPB did the company respond and agree to recognize the tax credit.

I have requested to opt of an escrow with the mortgage as I want as little to do with the company as possible after needlessly causing stress and costing me time in dealing with getting the company to recognize a state issues property tax credit.

Veteran 's United states that I have to sign a contract to opt out of the mortgage escrow. I have no issue doing this, but have questioned the need for a cushion/reserve escrow as this provision is required in addition to re instituting an escrow account and the provision is not required by the Real Estate Settlement Procedures Act ( RESPA ). The amount in the contract is the maximum amount allowed under the RESPA for a reserve/cushion escrow on top of the other escrow accouunt.

My wife and I returned a singed copy of the contract only omitting the cushion/reserves provision not required by the RESPA, which would be in addition to the escrow already required if my wife and I did not pay for the property taxes or insurance.

Veteran 's United has rejected this agreement and has cut off communications since that point in time. Nothing has changed as far as Veteran 's United not recognizing the state issued disabled Veteran property tax credit and Veteran 's United is not engaging in good faith to resolve the issue of opting out of the mortgage escrow.

Lastly, the contact with the representative from Veteran 's United has acted rude and condescending to my wife and myself. Any help given would be much appreciated. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation