BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On Sunday XX/XX/XXXX I checked my Experian report and these false accounts that have been disputed three times are still reporting. I have sent three certified letters to Experian to correct, remove and provide verification and proof within 15 days they have ignored. 

XXXX XXXX XXXX XXXX accounts all say they are current when they have been closed for years if they are mine I do not recognize them. This gives me multiple late payments. I called and spoke with XXXX fir an hour last week and he promised the would be removed and they are still there. 

Further on the XXXX XXXX IT is missing required information such as balance, status and amount owed as well as date of first delinquency and date of last activity. Further the status date was not when I have disputed it is dated XXXX!!?!? NO INVESTIGATION HAS EVER BEEN DONE SO MUST DELETE! 

XXXX XXXX ACCOUNT also says CURRENT when if it is mine I dont recognize it was listed as closed a XXXX. FURTHER AND SHOCKINGLY it has the DATE OPENED XX/XX/XXXX AFTER THE STATUS DATE AND THE balance updated??!?! CLEARLY FALSE INFO MUST BE DELETED! 

XXXX ACCOUNT IS ALSO LISTED AS CURRENT AND IS MISSING CRITICAL INFORMATION SUCH AS date of last activity date of first delinquency and it was also never investigated as required and lied about by Experian because the status date us three years ago!! Must delete! 

XXXX XXXX account has been disputed multiple times because it is TOO OLD TO REPORT AS THE DARE OF FIRSTDEMI QUENCY WAS iver 7.5 years ago. The payment schedule has NO DATA FOR THAT TIME PERIOD AND THE STATUS UPDATE IS Five YEARS AGO! DELETE FOR TOO OLD AND FOR LYING ABOUT-INVESTIGATION AND DELETE!!!

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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-08-25
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:
DURING THE YEAR XXXX, I REALIZED THAT I WAS A VICTIM OF IDENTITY THEFT WHEN I HAD MY CREDIT REPORT PULLED IN SEARCH OF PURCHASING A HOME WHEN THE AGENT WAS GOING THROUGH THE REPORT IN DETAIL ASKING MY ABOUT CERTAIN ACCOUNTS UNDER MY NAME. I WAS SHOCKED TO SEE THAT I WAS ACTUALLY A VICTIM, AS I HAVE ONLY HEARD PEOPLE TALKING ABOUT IDENTITY THEFT BUT NEVER KNEW WHAT IT WAS. 
I was advised by this agent to seek legal advice to have my name cleared from these fraud accounts. Since XXXX, on numerous occasions almost every month, I have filed disputes after disputes to XXXX, Experian and XXXX Credit Agencies, seeking to remove these fraud account from under my name. Till Today, I am still doing so, and I was advised recently to file a complaint with CFBP to assist in the process of removing these fraud accounts which are affecting my to accomplish my goals. 
1. XXXX XXXX {$17000.00}. with XXXX 2.  XXXX  XXXX XXXX {$6000.00}. with EXPERIAN & XXXX 3. XXXX XXXX XXXX XXXXXXXX {$4000.00}. with EXPERIAN I WOULD APPRECIATE YOUR HELP TO HAVE MY NAME CLEARED AND THESE FRAUD ACCOUNTS REMOVED FROM UNDER 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 2019-08-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has moved a negative item to experian and this has been 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 non-monetary relief
Consumer complaint received 2018-08-01
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XXXX of XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Apparently the was some type of dispute that I did not initiate having to do with my Capital One platinum credit card. I have had several dates told to me by Capital one Supervisors. Back in XXXX of 2020 a dispute that lasted 7 months long lead to my credit card being deleted from XXXX completely. Then it was back in XXXX of 2020, was lied to so many times its just plain despicable. Spent hours and hours on the phone with Capital One. Hours lead to days of making several calls about this so called dispute information. The whole thing is I did not initiate any dispute about my platinum credit card until I saw my XXXX   score drop like 40 points back in XXXX of 2020. Was just about to have a good score until this incident. Then I was told to send a letter to some special credit dispute center and was told it was the wrong address, by another so called Supervisor. Now my credit card was deleted along with an exceptional payment history from XXXX. Just like the card never existed. I have 2 Capital One credit cards and seeing disputes even on XXXX that I did not initiate. The card is being reported on XXXX and XXXX for now but wouldn't be surprised if its deleted from one of those 2 bureau 's as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: JH Portfolio Debt Equities, LLC
State: MA
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:
JH Portfolio Debt Equities for amount of {$2100.00}. I have filed a report for fraud and JH Portfolio Debt Equities is still harassing me by reporting this fraudulent account to XXXX credit report agency

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 2018-03-12
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I was received a letter from Freedom Mortgage stating that I was past due on my mortgage. I thought this to be some kind of mistake since I have the payments set up on auto-pay through my bank in. When I spoke to the representative, XXXX # XXXX, he explained that our mortgage payment had increased and as a result, the amount that I had auto-payed through my bank was short by {$50.00}. XXXX told me that since the payment was not in the full amount that the payment was put aside in an unassigned account until the full payment was made. He explained that the account went 30 days with out the payment ( even though they had my money ) and was then reported to the credit agencies. 

On XX/XX/XXXX, I wrote an email to Freedom Mortgage to request a reversal of the credit report made when they failed to apply our loan payment to our mortgage. 

At no time was I aware that the full payment had not been made. Freedom Mortgage never attempted to call and explain that I was short ( {$50.00} short on a nearly {$3000.00} payment ) on the payment. And instead of applying my payment to my account, they held the money in an unidentified account, not associated with my mortgage. 

I checked my bank statement and saw that the payment was made on time ( XXXX. 
XXXX ) and XXXX confirmed that they received the payment but since it was not in the full amount that the money never was applied to my loan. I can provide the statements to verify this if needed. 

I immediately paid the balance, including the late fee and additional {$50.00} for XXXX XXXX  payment ( {$190.00} ), and explained that the XXXX auto-payment was already pending as per our bank. 

We have never been late on a payment and we had no intention of being late on this payment. I have the bank statements that show the funds had been paid on time, less the {$50.00} increase and the representative confirmed that the payment was made on time, only short the escrow increase.We have been late or missed a payment with this company in five years! 

I emailed the company, as directed by XXXX # XXXX, and requested a reversal of the credit report but have not had a response. I called back on two separate occasions ( XXXX, spoke to XXXX # XXXX and XXXX, spoke to XXXX # XXXX ) and was told that there was no one to talk to about the credit report dispute and that I would never have anyone to speak directly to about this problem. I could only wait for the customer care center to respond to my email request. 

I was told by the representative, XXXX, to contact the CFPB for help with Freedom Mortgage 's credit reporting practices and failures to apply mortgage payments to the loans.

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 2018-05-28
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:
Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, Equifax, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

XXXX XXXX XXXX / XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months in certified and notarized letters. 

They replied once on XX/XX/XXXX The letter stated the account had be sold to XXXX XXXX which also included a non letterhead computer faded copy of a copy statement. 

On my credit report it's stating XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in XXXX. Please help me.

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

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$91.00} XXXX XXXX  XXXX {$92.00} XXXX XXXX XXXX {$2300.00} XXXX   XXXX {$530.00} XXXX XXXX {$100.00} XXXX   XXXX XXXX {$650.00} EQUFAX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$23000.00} XXXX   XXXX {$530.00} DEPTEDXXXX XXXX {$1000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was inquiring about a loan modification. I called the bank and was told that wasn't a option. I then started the short sale process but seem to get the run around with the company that was servicing the mortgage for XXXX XXXX. So the house went into foreclosure and the bank never served me court papers for said court date. I only was made aware of this process while doing a court search myself. I was going through the paperwork filed to the courts and realized that Select Portfolio Servicing ( SPS ) filed fraudulent paperwork to obtain this foreclosure in the first place. I filed a motion to ask the court to look at this matter but they couldn't do anything to help. I have attached a copy of the filing that I submitted and page 6 through 10 are the paperwork that Select Portfolio Servicing ( SPS ) submitted to obtain the foreclosure in the first place. If you look that the motion you can see where they cut and pasted parts of the contract to help them obtain the foreclosure. The contract on page 8 ends with paragraph 11 and then on page 9 it starts with paragraph 18. They cut out 12 through 17 in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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:
DURING THE YEAR XXXX, I REALIZED THAT I WAS A VICTIM OF IDENTITY THEFT WHEN I HAD MY CREDIT REPORT PULLED IN SEARCH OF PURCHASING A HOME WHEN THE AGENT WAS GOING THROUGH THE REPORT IN DETAIL ASKING MY ABOUT CERTAIN ACCOUNTS UNDER MY NAME. I WAS SHOCKED TO SEE THAT I WAS ACTUALLY A VICTIM, AS I HAVE ONLY HEARD PEOPLE TALKING ABOUT IDENTITY THEFT BUT NEVER KNEW WHAT IT WAS. 
I was advised by this agent to seek legal advice to have my name cleared from these fraud accounts. Since XXXX, on numerous occasions almost every month, I have filed disputes after disputes to Equifax, XXXX  and XXXX  Credit Agencies, seeking to remove these fraud account from under my name. Till Today, I am still doing so, and I was advised recently to file a complaint with CFBP to assist in the process of removing these fraud accounts which are affecting my to accomplish my goals. 
1. XXXX XXXX {$17000.00}. with XXXX  2.  XXXX  XXXX XXXX {$6000.00}. with XXXX & EQUIFAX 3. XXXX XXXX XXXX XXXXXXXX {$4000.00}. with XXXX I WOULD APPRECIATE YOUR HELP TO HAVE MY NAME CLEARED AND THESE FRAUD ACCOUNTS REMOVED FROM UNDER MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Refusing to remove collections in compliance with the Texas Financial Code Sec. 392.101 after failing to validate debt within 30 day of mailed request On XX/XX/20 National Credit Adjuster received that I sent a debt validation letter that was sent via certified mail by me on XX/XX/20. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101. I called NCA on XX/XX/20 multiple times seeking a removal for failing to respond resolution and spoke to an male agent who told me that regardless of them not providing information under no circumstances would the collection be deleted. I called back and another agent named XXXX who told me good luck with getting it removed as they were not going to. I called back several times more and was supposedly transferred to an escalation department but the call was ultimately hung up each time transfered. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following  information to validate debt : The name and address of the original creditor * The original date of default or non-payment of the debt with original creditor *The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental *The original balance *The current balance * Any fees added by your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
some one open 3 credit cards in my name /.some one used cable also in my name basically used all my information And now its hard for me to prove it wasnt me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax is currently reporting on my credit report that my contact information has an expiration date. It states, " Contact Information : Expiration Date XX/XX/XXXX : Date Reported-XX/XX/XXXX. '' My Equifax credit report has both a Fraud Alert and a Credit Security Freeze in place. My wife has the same alerts in place on her Equifax credit file but states nothing about a contact information expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: NAVY FEDERAL CREDIT UNION
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am in receipt of Select Portfolio Servicing ( SPS ) response dated XX/XX/18, which was not received by me until XX/XX/18. SPS continues to be in violation of 12 CFR Part 1024 ( Regulation X ). They have not sufficiently responded to my error notification and qualified written request for information, which is dated XX/XX/2018 and XX/XX/2018. In fact, they refused to answer many numerous questions and address my concerns. See attached documentation. SPS continues to misrepresent the facts and continues to avoid answering my QWR 's with truth and completeness.

Company response to consumer: Closed with explanation