BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: TX
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:
Equifax allowed hackers to gain access to all my financial and social security number information. As the Consumer Protectors, I call upon you to help the 130 million plus Americans who are vulnerable. Can you please let me kn ow what you are doing? When I phoned in, your operator just hung up on me. That has never happened in a call to the government or my representatives before. To say the least, I was shocked by your disregard of ma question from the public you are supposed to serve. Will you answer this or ignore it as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to get a home equity line of credit against my home at XXXX XXXX XXXX, XXXX XXXX, TX XXXX to assist in my down payment on my new home at XXXX XXXX XXXX, XXXX, CA. This method was one that was approved by my soon to be mortgage company. I went through my credit union and was approved for the funds. They got ready to process the paperwork, and found that BBVA compass was still on my loan documents in the 2nd position. My credit union contacted BBVA to ask that they remove this from my account. They refused. I contacted them and they wanted me to state that I still owed this amount. I told them that I did not owe them anything, and that they were supposed to complete paperwork within 30 or 60 days of receiving information from the bankruptcy courts and my bankruptcy attorneys ( I completed the bankruptcy process, and it has been cleared for over 6 years or so, I believe ). Because they did not do so, I no longer had a debt that was owed to BBVA. BBVA also tried to sue me in XXXX, XXXX, and I forwarded those documents to my bankruptcy attorneys, and they contacted BBVA 's attorneys to let them know that they did not complete the required paperwork, and therefore I did not owe them a debt. 

After that, the debt was removed from my credit and it is not shown anywhere. But, they are not removing their names from my mortgage. I almost lost my home in California because I was not able to secure the loan with my credit union. Below,  please find the email that I sent to XXXX Bankruptcy to try to get their assistance again. They no longer have my paperwork, it was turned over to the bankruptcy courts. 



XXXX XXXX XXXX To : XXXX Email, XXXX XX/XX/XXXX at XXXX XXXX  Hello XXXX Bankruptcy, This vendor is resurfacing . They were contacted by your office around the date of the prior email. When my account was dismissed, I was told by XXXX that they did not submit the paperwork needed to show that I still had an outstanding balance and that I owed them the difference. There was a form, but i can not recall what he said it was. He did contact Compass, and I had not heard anything else from them until recently. They are not even showing on any of my credit bureaus. 

I have applied for a loan, and they are on my title, and they are refusing to remove themselves. I feel that this is a violation, and against the law. I would like to have someone send information to them to show that they can not hold my property XXXX for a debt that I do not owe. I am on a tight timeline, and are really needing someone to assist me or direct me. 

They need something sent to XXXX. Or they can be reached at XXXX. 

My case # XXXX I really appreciate your time. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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:
I was laid off of work about two months ago so I applied for a small loan with XXXX and unfortunately I was not approved because there are several accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit history before today XX/XX/20 because none of those accounts are mine. I didn't open any of those accounts nor do I have any written/verbal contract with any of those companies. I did not benefit anything at all from these accounts that were opened in my name without my permission and I did not contribute to any purchases or payments made towards these accounts. I don't know who could have got a hold of my personal information to open these accounts in my name without my permission but I already filed a police report in hopes of getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed

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 2021-10-06
Company: EQUIFAX, INC.
State: MD
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 submitted a dispute will all three bureaus, highlighting many inaccuracies on my credit report. XXXX and XXXX have not verified ( or removed ) information pertaining to my claims. It has been over 60 days since my dispute was received and no one has corrected this error. My identity was compromised earlier this year, which is why the disputes were sent. I submitted an FTC report with police report via US mail to all 3 bureaus and they have failed to comply. This situation has been a hindrance to my credit growth. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. THANKS. FOLLOW UP I CONTACT XXXX XXXX XXXX. THEY TOLD ME THEY HAS KNOWLEDGE OF NO ACCOUNT AT ALL. THIS NOT XXXX XXXX XXXX ISSUE, THIS A MIDLAND FUNDING YOU GUY 'S ARE THE ONE 'S REPORTING THIS ACCOUNT ON MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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: Public record information inaccurate

Complaint:
I am requesting that XXXX, XXXX XXXX and Experian room bankruptcy reporting information from my credit profile. I have disputed in the past and all three keep advising they verify the information with XXXX  Nexis I have reached out to validate with XXXX XXXX and have confirmed that they are not reporting a bankruptcy in their system. XXXX, XXXX XXXX and Experian need to reverify their information with XXXX XXXX and remove the incorrect information from my credit profiles. Per FCRA correct and accurate information must be reporting and that is not the case with my credit reports.

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 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I cycled through a bankruptcy in XX/XX/XXXX. One creditor I had was BofA. I pulled my XXXX  Credit report in late XX/XX/XXXX. I found there was inaccurate information in my XXXX  report concerning a bankruptcy discharge of the a BofA credit card debt. After contact with XXXX they reached out to BofA in late XX/XX/XXXX and BofA did not respond... so XXXX  took the debt off my credit report. Fast forward to XX/XX/XXXX and my credit monitoring service sent me a text stating my credit score had dropped 50 points. I logged into the credit monitoring an saw that XXXX  and BofA had reposted the debt that had been originally taken off (early XX/XX/XXXX) due to the BofA violation of the FCRA. I contacted XXXX  by letter and followup phone calls and they told me they could not help me and laughed at me when said I would be calling the CFPB. Next, I called BofA and advised them of the problem and that through the FCRA were supposed to make notice to me of the reposting and disclosure of a debt according to 15 U.S. Code 1681s-2/h. BofA representative XXXX XXXX told me she could not help me and... when I mentioned I would be filing a complaint with CFPB and she almost dropped the phone laughing at me.Debt partial number XXXX Opened XX/XX/XXXX - Closed XX/XX/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 2017-09-24
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Home purchased with former spouse in XX/XX/XXXX with assistance of XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; divorced in XX/XX/XXXX, did quit claim deed ; laid off in XXXX, underemployed in subsequent job acquired in XX/XX/XXXX, on XXXX in early XX/XX/XXXXas result of complications due to XXXX XXXX ; received assistance from Illinois ' Hardest Hit but require authorization from former spouse to continue ; have no contact with former spouse ; have never had a loan modification ; mortgage company denied request for modification stating an additional {$1200.00} must be brought in monthly to even consider a modification, but if I had an additional {$1200.00} per month I would not need a loan modification ; my ultimate desire is to remain in my home especially given the stress of my chronic medical condition.

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 2020-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Dear Financial Protection Bureau, CFPB, and Federal Deposit Insurance Corporation, FDIC : XXXX XXXX is NOT IN COMPORTMENT WITH FEDERAL REGULATION 15 USC 1692. XXXX XXXX has embezzled and misappropriated funds and are resorting to extortion to collect on FUNDS I DO NOT OWE THEM BY WAY OF ADVERSELY AND NEGATIVELY AFFFECTING MY CREDIT. XXXX XXXX NEEDS TO CURE THEIR BREACH. ALL PAYMENTS FOR ( MY XXXX  ) XXXX WILL BE PAID TO XXXX COUNTY STATE COURT ( CRIMINAL DIVISION ) AFTER BREACH IS CURED. 

XXXX XXXX AND its AGENTS HAVE BEEN WARNED TO NOT STEP FOOT ON PROPERTY LOCATED AT XXXX XXXX XXXX, XXXX, GEORGIA XXXX-XXXX. IF THEY DO, THEY ARE CRIMINALLY TRESPASSING AND WILL BE DEALTH WITH ACCORDINGLY. THEY HAVE BEEN ADVISED TO CEASE AND DESIST WITH ANY NEGATIVE, ADVERSE, CREDIT REPORTING. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I applied for an income-driven repayment plan for my 3 accounts that are serviced by Great Lakes. There was only one application involved, and I was advised by telephone that based upon my reported income, my total payment was going to be reduced from about {$990.00} to about {$700.00}. However, when I provided my proof of income by fax, I was given a new monthly payment of {$4400.00} ( which is about 50 % of my monthly take home pay ) and put on an accelerated repayment plan to have my loans paid off within 7 years. This was exactly the opposite of the plan in which I applied for, which was made abundantly clear both within my IDR repayment plan application, and the proof of income that I provided to Great Lakes. This situation happens almost every single year when I re-apply for my IDR plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Americollect Inc Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Creditor Information AMERICOLLECT INC XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Dear Officials, I have contacted the original creditor 'XXXX XXXX XXXX ', XXXX XXXX XXXX billing department , and Americollect , My company insurance coordinator and finally XXXX XXXX All of them have a different amounts, service dates, and number of invoices. It is frustrating. If the original creditor XXXX XXXX XXXX sends invoices to Americollect, i agree to pay if they are accurate. XXXX said they have only 2 accounts on my family name, i have them- willing to pay buy when i call Americollect the collection agency, they have 5 accounts/invoices. My company insurance coordinator is unable to view amounts, i called XXXX, they do not have records of those claims fro XXXX. How am i getting them? I am sure i do owe some money during our XXXX but where should i get the correct info. I would say i believe XXXX since they are the original creditor. Please help. Americollect telling me incorrect information and sent info to Credit bureaus I beleive them all and ready to pay but i want to make sure right people getting my money. 
Subject ; XXXX XXXX XXXX XXXX Americollect XXXX. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: CREDIT ACCEPTANCE 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: Account status incorrect

Complaint:
XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator Credit Acceptance and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid XXXX XXXX paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my 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 2020-09-05
Company: EOS Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting harassed by a debt collector named Collecto , Inc . They do business as EOS CCA. After I kept getting calls from them, I sent a certified letter to them just like the FTC and CFPB advise consumers to do. In my letter, I told them I disputed the debt, and I told them, " Please don't call me. '' I also told them that they had the wrong number. They still called me. So I sent another letter. They still called me. So I sent another letter. They still called me. So I sent another letter. They still called me. So I sued them. They removed the case to federal court and then ... .wait for it ... .they still called me. So I sued them again. They still called me. So I sued them again. They still called me. 

When they call me, they are using an automated telephone dialing system. I know this because they call me and then hang up on me.

They have already admitted in federal court that I don't have an account with them or owe them money, but the harassment continues.

Collecto is now DELIBERATELY calling me and hanging up because they want to retaliate against me for suing them. 

This is ridiculous and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/17 I wired {$5100.00} to Coinbase using the reference number they provided me with in my account. My bank confirmed they received the wire the same day. 

I have opened numerous cases with Coinbase, with the first being about 5 days after I wired the money. I have explained in the cases that I never received the wire into my Coinbase account and have included all pertinent information in the cases including wire date, the Federal Reference # and the wire amount. The only responses I have received from them generally come weeks later and are generic responses saying we believe we have resolved all wire issues across our site and you should have your money now. 

I am unable to get a resolution from them or even an update on potential remedies on this matter even though my cases have been escalated to the highest priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
My name is XXXX ( XXXX ) XXXX, which is a very common name. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We were supposed to have 12 months no interest then interest on the remainder of the balance after 12 months. After the 12 months expiration they charged the full interest on every purchase made with the card even with this COVID-19 situation. I was charged more than {$1000.00} interest, thats insane!!! They are just bunch of scammers, Ill contact my lawyer ASAP!! 
User 's recommendation : Dont get fool by XXXX XXXX. Pure liars and scam. 
Edit

Company response to consumer: Closed with explanation