BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: NJ
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:
Someone seems to have access to my personal information and is trying to ruin my credit. In XXXX ofXX/XX/XXXX, a debt from XXXX XXXX appeared on my credit with a balance of {$7900.00}. this debt has no account number, just a po box and a phone number. I made several calls to them and have gotten nothing more than the classic run around. I have been unsuccessful in rectifying this problem. 

In XXXX of XX/XX/XXXX, I was rerouted to a collection agency and spoke to a Mr. XXXX XXXX who informed me that I did not have an existing account with their agency and that whatever account it was is either closed or is not with their company. I recorded my conversation with Mr. XXXX XXXX since I kept getting the run around. I have his voice making the statement. 

Both companies are claiming to not have possession of this account so I don't know why it is on my credit report. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
State: NC
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 disputed this account with the credit bureaus to no avail. This account is no longer open, nor does XXXX hold this debt anymore. It was sold to a collection agency. However this account is being reported by both XXXX and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: The Bureaus, Inc.
State: VA
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 am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT 2 ) THE BUREAU ( XXXX XXXX  ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce XXXX Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Experian Information Solutions Inc.
State: NC
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 disputed this account with the credit bureaus to no avail. This account is no longer open, nor does XXXX hold this debt anymore. It was sold to a collection agency. However this account is being reported by both XXXX and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.

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 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.

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 2020-04-29
Company: GreenSky, LLC
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:
I have filed a complaint with XXXX  and it has been well over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Shellpoint Partners, LLC
State: NH
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:
My loan was transferred from XXXX to Shellpoint in XX/XX/2019. XXXX immediately reported to the agencies my loan as closed/transferred XX/XX/2019. 

Currently Shellpoint is reporting to XXXX, but has not reported to XXXX. I have called Shellpoint 6-7 times, they tell me that credit reporting issues must be sent via email. I have sent 4 emails to Shellpoint, they have not responded once. CUstomer service is terrible.

I have called Transunion multiple times to ensure the issue isnt on their end, they confirmed nothing is coming in from Shellpoint.

My credit score is now negatively impacted and causing issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello. On XX/XX/XXXX - XXXX, there was several unauthorized charges from XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX. these charges are as follows {$230.00} {$70.00} {$40.00} These three are from XXXX XXXX, then the following is from XXXX XXXX : {$200.00} {$100.00} {$10.00} {$10.00} Then the XXXX transactions : {$130.00} {$95.00} These transactions are unauthorized and has caused me stress and loss of money. I just want reassurance that I am able to regain the lost funds and be able to prevent another situation from happening again. I have contacted each company, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Finance of America Holdings LLC
State: WA
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:
Im looking to buy a house and have been working with a lending company. In XXXX they pulled my credit with my consent and provided me with a pre approval. I had some debt in my revolving accounts that I have since payed off. I reached out to my lender asking now that I have paid some of this debt off. Was there a way to see if that would reflect positively on my credit WITHOUT a second hard inquiry. The lender said one moment and next thing I know I get a notification the my credit was pulled from two agencies. I informed the lender that this was an unauthorized inquiry and her response was Im sorry there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They refused to take my fraud complaint about money taken out of my account after they had closed it due to me being XXXX. I spoke to an unidentified woman at BofA at XXXX XX/XX/2021 and she refused to take my fraud complaint, and she refused to accommodate my XXXX when requested. XXXX and XXXX her supervisor in Delaware refused to serve me or accommodate my 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 2018-12-27
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2018, I filed a complaint regarding the unprofessional conduct at Midwest Service Bureau with the Consumer Financial Protection Bureau. While completing the complaint I inadvertently activated the auto-fill feature on the family computer which auto-populated the address and changed the name from XXXX XXXX to XXXX XXXX XXXX. 

In the initial complaint number XXXX that I filed a complaint against Midwest Service Bureau due to their unethical conduct. Specifically, the clear conflict of interests in accepting accounts that Midwest Service Bureau engages in and the coercive positions it places consumers in.

In my initial complaint, I made a reasonable request that Midwest Service Bureau close the account due to the conflict of interest. Their response was nothing more than defamatory and libelous statements provided to the consumer financial protection bureau without providing any response to the request to close the account or an answer to the dispute. 

Additionally, not only do the statements about my son not only have nothing to do with the heart of the complaint the statements are both unconscionable and highly irregular. As such, the statements provided to Midwest Service Bureaus response both make a mockery of complaint process with the consumer financial protection bureau as well as show a clear need for federal and state oversight. 

Finally, it would appear that I do not have the same rights as any other consumer when it comes to filing a complaint with the appropriate regulatory agency. I say this because I filed a complaint against Midwest Service Bureau and instead of addressing the actual allegations Midwest Service Bureau instead engaged in frivolous assaults on my son. Does this mean that I can not make a complaint regarding unethical behavior without having to fear retribution against me or my family?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Experian Information Solutions 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:
THE FOLLOWING NEGATIVE ACCOUNTS ARE REALLY AFFECTING THE OVER-ALL STATE OF HEALTH OF MY CREDIT SCORES. THE XXXX XXXX ACCOUNT WHICH IS DATED FROM 2017 WAS ONLY REPAIRED OFF OF XXXX AND REMAINS NEGATIVE ON THE OTHER TWO CREDIT BUREAUS. WHAT IS THE REASON TO WHY THIS ACCOUNT IS STILL ON THERE? NOTHING WAS DONE ABOUT THIS AND I DEMAND A REASON TO WHY ... ..

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 2019-07-01
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My personal data was breached by Equifax. They put a freeze on my credit report. In order to lift the freeze they require me to send my SS card and DL. 

I have requested a copy of my report. 
I would like to set up a fraud alert. 
I am very upset. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
loan company Mr.COOPER dba Nationstar paid the wrong homeowners insurance company after they were told on XX/XX/2019 not to pay any one until i gave them my consent since I was shopping around for a new policy. Well they took it upon themselves to pay a company by the name of " XXXX XXXX '' After filing a complaint against them with you ( CFPB ), Mr Cooper contact XXXX XXXX XXXX to get my money back.The amount is {$3600.00}. 
XXXX XXXX mailed back the check to them on XX/XX/2019 and Mr Cooper states that they haven't received the payment. I suspect that they are lying like they did on my previous complaint against them. 
I am attaching proof that XXXX XXXX returned the uncancelled check to them. 
I want my escrow account to reflect the {$3600.00}. 
Mr Cooper is as crooked as they come.They shouldn't be allowed to do buss after all the problems they had under Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
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:
THIS IS NOT A DUPLICATE. TRANSUNION REFUSES TO ADDRESS THE FACT THAT THEY HAVE BROKEN THE LAW. THEY HAVE 30 DAYS TO INVESTIGATE A COMPLAINT. THEY INVESTIGATED AFTER THE 30 DAYS WAS OPEN. THE USPS VERIFIES RECEIPT OF ALL DOCUMENTS.

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 2019-07-01
Company: Associated Credit Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019 I had a collection appearing on my credit report under XXXX XXXX XXXX with the original creditor being XXXX XXXX in the amount of {$120.00}. The amount was paid in full to XXXX XXXX on XX/XX/19 and after XXXX XXXX removed the collection from my credit reports. On XX/XX/2019, I received a credit alert stating Associated Credit Services has reported on this same collection that was paid off. I called a representative to inquire about this collection and stated that it was not only paid in full to XXXX XXXX but that this collection was under XXXX XXXX. The agent then asked that I send in " proof ' that it was paid to take it off my report. I asked why was Associated Credit Services asking for proof of payment when the collection was with another collection agency and that the collection was paid in full to XXXX XXXX. I then asked when was the account given to Associated Credit services and the agent stated XX/XX/XXXX which is the exact same time the debt was paid in full. The agent could not answer any questions and couldn't tell me when they " allegedly '' got this account from XXXX XXXX after being paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is DIVERSIFIED CONSULTANTS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DIVERSIFIED CONSULTANTS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) DIVERSIFIED  CONSULTANTS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DIVERSIFIED CONSULTANTS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DIVERSIFIED CONSULTANTS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.DIVERSIFIED CONSULTANTS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: JPMORGAN CHASE & CO.
State: OH
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:
The amazon prime credit card ( provided by chase ) will sometimes offer financing ( provided by amazon ) for items on amazon.com. 

I purchased a laptop to run engineering simulations on and after a tremendous amount of work to get it ready, placed it in my lab at the XXXX XXXX University. 

When I go to pay my bill I see I am charged the full amount ( ~ {$1000.00} ) on my amazon prime credit card. 

I asked amazon about it and they were unable to do anything about it but agreed to escalate to someone who can. I did not hear back from them so I called this morning and an honest employee said that they will not switch over to a payment plan for me. I was able to verify that I had selected the payment plan option, and they acknowledged that it is a somewhat common issue. 

This is a massive problem. Amazon shouldn't be able to control sales, shipping, financing so they can offer deals and welch on them with 0 protection for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX i purchased a XXXX XXXX  from Santander Consumer USA. In XX/XX/XXXX it was stolen and totaled out insurance has paid off the balance but, their claiming i still owe {$10000.00}. its reporting to the credit bureaus monthly and making a huge impact on my credit. I need for this to be removed asap. I've called Santander several times but, no resolution has been made.

Company response to consumer: Closed with explanation