BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Capital One XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Virginia XXXX XXXX : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ALL 3 " CRA '' CONTINUE TO REPORT SERIOUS ERROR OF FRAUD ACCOUNT/ PUBLIC RECORDS CH XXXX BANKRUPTCY ... NOT MY ACCOUNT

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 2018-06-18
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:
XXXX XXXX is reporting an incorrect balance on an account that they report as : XX/XX/2014 Charged off as bad debt Canceled by credit grantor I believe that this was a XXXX XXXX credit card account. 

The reporting lists an amount past due of {$14000.00} on XX/XX/2014, but lists a balance of {$18000.00}. They report the credit limit as {$17000.00} in the same report. 

I believe that the balance due is incorrect in the subsequent monthly reporting since XX/XX/2014. 

Additionally, in XX/XX/2014 XXXX XXXX was notified by XXXX XXXX XXXX XXXX XXXX that they were representing me. I continue to receive harassing phone calls regarding this account.

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 2019-05-23
Company: EQUIFAX, 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:
I was setting up a cell phone line with XXXX XXXX and was asked on the phone if it was ok to do a credit inquiry I told them it was not ok and they did it anyway. When I contacted them about it they said that it was done the day before when I had contacted them about another issue and that the person I had talked to that day forgot to tell me they were doing a credit inquiry. They acknowledged the mistake but refused to remove it from my credit as they are required by law and said that it was not possible for them to remove it and I need to contract Equifax. I disputed it with Equifax but they are refusing to provide the results of the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: ARVEST BANK GROUP, 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: Account status incorrect

Complaint:
I consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that Arvest is reporting to these bureaus.

They main problem is every other month, Arvest says, " we are reporting your information accurately '', then I check with the bureaus ; XXXX  as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan.

I have no payment history showing for any years previous to XX/XX/XXXX and XX/XX/2018.

I have a problem with that because Arvest has collected my mortgage payment for years and they onlly show two months mortgage payment of 2018.

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices.

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month.

Who does that? I make a payment and they close my account when they try to report it????? "?

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''.

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information.

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I closed out an XXXX XXXX account, received a credit towards my balance, resulting in a XXXX  balance. 

In XX/XX/XXXX I received a negative report on my XXXX  credit report saying I owed {$89.00}. The collection agency was XXXX XXXX XXXX. I spoke with an XXXX rep who said they had screwed up and that I still owed them money even none of my subsequent XXXX bills ( after XX/XX/XXXX ) showed any XXXX balance due. After lengthy discussion with several XXXX reps, I was told the problem would be resolved in my favor. XXXX also removed the disputed fee from my credit report. My last combined billing statement in XXXX/XXXX  XXXX from XXXX showed a XXXX balance for XXXX  XXXX charges. 

On XX/XX/XXXX, I received an alert from XXXX that a negative report had been placed on both my XXXX and XXXX credit reports for the same {$89.00} XXXX fee. This time, the collection agency was Sequium Asset Solution. I was able to once again successfully dispute this charge and get it removed from my XXXX and XXXX credit reports. However, Sequium calls me daily regarding the {$89.00} and I have now started blocking their calls thanks to caller ID. 

I need help stopping this nonsense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im writing this letter in hopes you can intervene to get US Bank to properly review our loan for assistance options, and keep a family in their home. The issues began when due to health reasons I lost my job of ten years, at XXXX. 

My health continues to deteriorate. If I am fortunate I am able to walk with the help of a cane, and on the worst days Im in a wheelchair or else cant leave the house. I applied for federal XXXX, but during this time I started to fall behind on my mortgage payments. 

I attempted to contact US Bank to work something out until I could get back on my feet. I would receive letters in the mail, but every single time I tried to reach someone on the phone, no one would speak to me. It was, and is still a nightmare. 

Then out of the blue, one Friday morning, I heard a knock on my door, and a stranger hands me a foreclosure notice! It was a shock. I knew I was behind, but I was finally starting to get back on track and had been trying my best to explain this to US Bank.

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 2019-06-11
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Received a letter from Midland Credit Management introducing the company and explaining that they had taken over an account, XXXX XXXX, with the claim that my current balance was {$320.00}. 

XX/XX/XXXX I replied to MCM saying that I had never owned a XXXX XXXX credit card, nor had I ever received a statement from them. Though I initially applied for a card, I was informed that my application was incomplete. I chose not to complete the application and never received a card. I asked MCM to provide detailed account information of all supposed purchases, to include dates and vendors. 

XXXX MCM acknowledged that they had processed my dispute and if I felt they had reached their conclusion in error I needed to provide written explanation and documentation demonstrating any errors in their account information, and they said they were uncertain regarding what I was specifically disputing. MCM also informed me that they had requested that the tree major credit bureaus change the status of account to " Disputed ''. MCM enclosed a letter from XXXX XXXX, Vice President of XXXX saying that my loan ending in **** with a balance of {$320.00} had been sold to MCM. Mr XXXX said that the balance consisted of {$67.00} of principal, {$19.00} in interest, and {$230.00} in fees. However, I had never completed the application for a XXXX card and had never received a statement from them. 

XX/XX/XXXX I replied saying that I had never owned a XXXX XXXX credit card and that this was not my dept. I again asked MCM to provide documentation in regard to their claim. 

XX/XX/XXXX I received a letter from MCM offering a payment plan and a 40 % discount : Payment of {$190.00} if paid by XX/XX/XXXX ; Or, a 20 % discount in 3 payments of {$86.00} ; Or, monthly payments as low as {$50.00} as month with a notation of " Call today to discuss options and get more details. '' XX/XX/XXXX I replied to MCM saying that they had not provided documentation regarding their claim as to the items supposedly charged on a credit card that I never received ( total of {$67.00} ). I reiterated, once again, that this is not my dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  XXXX XXXX Balance : {$460.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX Balance : {$500.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX/XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$2300.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

Chapter XXXX Bankruptcy XXXX - I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
I recently requested a 2 payment deferment for and automobile account I have Wells Fargo Dealer Services. The request was made XXXX XXXX and the deferment was approved. Wells Fargo reported the deferred payments delinquent to 3 three credit Bureaus 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 2018-11-13
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is reporting debt collections on my credit file that I do not owe. These collections are not mine! I have never received any notices for them, and I do not know what they are for.

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 2018-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I had a prior complaint ( XXXX ) with Capital One in which they agreed to update the reporting status of my account from Derogatory and Charge off to paid in full. I received a letter dated XX/XX/17 where they said they had notified credit bureaus of the update and to wait for changes to be processed. It is now over a year and a half later. I have called multiple times to have the issue resolved to no avail. I am requesting that Capital One Auto Finance do as they promised and reflect the account status properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: Guild Mortgage Company LLC
State: CO
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:
I had always paid my mortgage online every month with a mortgage company and they always show that they receive my payment. However, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
State: DE
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:
On XX/XX/2018 I disputed Accounts XXXX XXXX And XXXX with Equifax credit bureau. I disputed these accounts under FCRA section 609 ( a ) ( 1 ) ( A ) to disclose all information and FCRA section 611 ( a ) ( 1 ) ( A ) A consumer contract with my signature on it. I called Equifax on XX/XX/2018 to check status on these accounts and they said these accounts where Verified on XX/XX/2018 and did not disclose any information as was requested and didn't send any documents which is noncompliance Section 617. So I wrote another letter on XX/XX/2018 Under section 609 ( a ) ( 1 ) ( A ) and FCRA section 611 ( a ) ( 1 ) ( A ) for the same accounts XXXX XXXX and XXXX. I sent this letter certified and tracked it Equifax received this letter on XX/XX/2018 @ XXXX. The mail Receipt was received and signed by XXXX XXXX and dated for XX/XX/2018 and sent back to me as I requested. I noticed my online Equifax did report did not update in the remark box stating dispute. So on XX/XX/2018 I called Equifax and asked if they receive my dispute letter they said no. On XX/XX/2018 I called Equifax back to verify if they receive my dispute they said no. I notice no update on my Equifax Subscription so on XX/XX/2018 i called Equifax and asked if they receive my dispute they said no. I called XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, And today XX/XX/2018 and even spoked to a supervisor and no dispute had been started yet. I have evidence that they receive my dispute. I will be showing documents of the dispute letter and the certified letter mail receipt signed by someone from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX + Fair Credit Reporting Act requires by law that all information be reported accurately and fairly. My confidentiality and privacy is being invaded and not respected by any of these companies or bureaus. I never gave written instruction to reflect a hard inquiry. 

15 USC 1681b ( 2 ) - permissible purposes of consumer report.

15 USC 1681a - accuracy and fairness of credit reporting.

15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681b Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2017-11-10
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call on XXXX XXXX, 2017 from debt collections agency Diversified Consultants Inc stating that my husband ( they stated his correct name repeatedly ) owed a debt with XXXX & XXXX XXXX. I told them it was not correct and to give me dates and address. They did. Not ours. I asked Diversified Consultants to confirm the last 4 of my husband 's social security number to verify it was my husband. The number they have was indeed my husband 's last four of his SSN. I told them this was then fraud. They told me to contact XXXX XXXX XXXX identity theft. My husband contacted XXXX XXXX XXXX identity theft hotline. XXXX XXXX XXXX told my husband that it was not his name, no SSN was on the account, and it was not his birthday listed. So no fraud according to XXXX XXXX XXXX. Diversified Consultants denied illegal collection practices saying they got my number and my husband 's SSN from XXXX XXXX XXXX. Diversified Consultants is using illegal collections practices by assigning someone else 's SSN to accounts that lack one but have similar names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Consumer requested 3 loan modification our attempts has been unsuccessful or insufficient to create a meaningful solution. Denial of loan modification kept contributing to our delinquent balance. 
Consumer filed chapter XXXX, Mortgage company filed claim to trustee late. 
Attorney offer was {$1600.00} a month we could n't afford.

Company response to consumer: Closed with explanation