BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
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:
According to my recent credit report request from XXXX, Equifax, XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX contact information XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX  , XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Below is a description of events and the chronology in which they occurred, while dealing with Afni collections. 

On XX/XX/18, I received an email from XXXX XXXX informing me of a new account under my name. I opened and read that email on XX/XX/18. It stated that a new AFNI account was added to my XXXX  report. I followed the link and found out they had placed a collection on my account for {$370.00}. They claimed it was an XXXX XXXX XXXX account I owed money on. I have no knowledge of this account. I was unable to contact Afni until  XX/XX/18. A XXXX answered the phone and asked me for some identifying information. Once she was able to bring up the account, I was transferred to an XXXX XXXX. After she went through her legal statement, she asked how I wanted to pay for the debt. I informed her I have no knowledge of this account, nor have I received any information from Afni regarding this. I asked for proof of any communications sent to me. This is what I was told by XXXX according to her, Afni received the account on XX/XX/18. She stated that a letter went out on that date describing the debt. I asked for proof of this letter and she was unable to provide it to me. She then directed me to their website where I could find all of the communications sent to me. XXXX provided me with the instructions on how to login to my account. I told her I would look into this and call her back. On the website, I found only 1 letter dated XX/XX/18. This letter states that it confirms the original creditor and the balance owed. I could not find a letter dated XX/XX/18 as told to me by XXXX. I called her back and explained that I could not locate the XXXX letter and if she could assist me on finding this letter. She asked to place me on hold so she could speak to her support department. When she returned to the call she stated the following .... According to her support department, because Im in NY when I access the letter online it defaults to the date in which I access the account. Not sure how that happens when it is in .pdf format but Im no computer whiz anyway. I asked simply on how I could get a hold of the XXXX letter. After some divisive wording by her, she told me they were going to close the account and have it deleted. I specifically asked if they were going to send communication to the credit bureau notifying them of this deletion. She clearly stated YES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
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:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2020-09-24
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, a payment was taken out of our escrow account by our mortgage company, Mr. Cooper to pay someone else 's hazard insurance in the amount of {$7600.00}. We discovered that they had made the error in the early XXXX, when I found that our escrow balance was significantly negative on our monthly statement. I called the Mr. Cooper insurance department to find out what was going on and immediately, Mr. Cooper took responsibility for the error and told me our account would be refunded as soon as possible. 

In XXXX, our mortgage was transferred to a new company and unfortunately, our negative escrow balance followed us to the new mortgage company because it hasn't been resolved. We are attempting to do a streamline refinance and can not because of the negative escrow balance that was created by Mr. Cooper 's error. 

After numerous calls to the XXXX department, escrow department and escalations department within Mr. Cooper, the issue is still not resolved 4 MONTHS LATER! We have been told multiple times that a refund check was being mailed to us. When the check does not arrive as promised, we call back and get a different story from a different representative from the company. Mr. Cooper has assigned a escalations department representative to our account to help us resolve it, and she will not return calls or emails. 

In my opinion, this is fraudulent. Mr. Cooper took money out of our escrow account by error and are not returning it. This issue has gone on for 4 months without resolution and we are running out of patience!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo did not disburse a Bill Pay as promised by XX/XX/2020. Because of this, my account has been debited but the organization that was supposed to be paid has not yet gotten my funds. The organization has checked the mail both on XXXX XXXX and 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 2018-06-10
Company: WELLS FARGO & COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was issued a settlement checK by XXXX XXXX which was drafted Off a Wells Fargo account on and attempted to cash this check The teller told me that they can not cash the check I would have to open the account account after I open the account up a Bank Teller took the check to XXXX XXXX about approximately an hour went by they had come back out in the main lobby full of people and accuse me of trying to pass a fraudulent check XXXX took the check refused to give me any documentation on this check or what she was doing and accusing me up I had called my attorney XXXX XXXX While still in the main lobby of the bank and he got on the phone and he spoke to XXXX she refused to release the check R give any documentation do you to XXXX XXXX   Claiming the check was a fraudulent check XXXX  had said she told me to leave the bank or she would call the police and charges were pressed against me the check has come back that is not a bad check and the check shouldve been honored I feel that The bank employee XXXX  violated my rights by releasing falsified information to the public which was done in the main lobby of the bank as you accused me of passing a fraudulent check which would also be defamation of character and slander also I believe she took the check unlawfully which caused me financial problems as well as stress the check was re-issued a month and a half later Enclosed I have submitted evidence backing my statement and Claims of what happened

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 2021-08-16
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received an email from Bank of America on XX/XX/21 requesting that I call them to discuss and finalize an auto loan counter offer. However, after calling the phone number provided I waited on hold for more than 1.5 hours and was unable to talk to a loan officer to agree to the new loan terms. 

I feel like I was misled and deceived with the loan terms because Bank of America is not making anyone available to discuss the original auto loan terms I applied for and the change in terms they are proposing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a hard inquiry on XXXX XXXX  which was paid and settled by XXXX XXXX XXXX. They are still trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Colony Brands, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received several calls from XXXX XXXX ( Colony Brands ) for a charge I never made. It sounds like my information was used to make a purchase in the amount of {$190.00} from this company. The ( {$190.00} ) transaction was reported to the credit bureau for non payment. I never received a bill or any information regarding this charge.

I called the Company Colony Brands and spoke with their supervisor of collections and she gave me the an acct. # XXXX O and promise to investigate the charge and I should follow up in 10 days. 
I want this information removed from my Credit Report I never had of XXXX XXXX/Colony Brand or purchase anything from this company. Never receive proof of purchase or any bill from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was traveling to my home country and set up autopay on their website. I left for months came back and my car was repossessed. I was in awe because I had set up autopay to avoid this problem. I called the company and had to pay them extra for the car and the rep on the phone apologized and said it wouldn't show up on my credit but the late payments did show up. I called them and they said they can't do anything about it. This is not fair because I haven't missed a single payment since this incident happened in XX/XX/2017 and they are not willing to work something out when their system was at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan was sold to Loancare LLC in XX/XX/XXXX on XX/XX/XXXX the check for tax payment of my Summer XX/XX/XXXX taxes was sent to Loancare LLC from previous mortgager. XXXX has yet as of XX/XX/XXXX to pay my summer XX/XX/XXXXproperty taxes. The money is in the escrow account and has been since XX/XX/XXXX7. I have called to resolve this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 1XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. All to be told that the Tax Dept was  reviewing it. 3 1/2 months to review a simple transaction. Now my property Taxes are late and have penalties. There is no direct number for the tax department. I wonder why? I cant get a straight answer. I want my XX/XX/XXXXTaxes paid. I have loss the tax deduction for my home. I want a quick resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: VA
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:
My name is being listed incorrectly! 

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: VA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Resurgent Capital Services L.P.
State: LA
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, XXXX placed a collection account on my credit report. I request validation of this account as I thought it was not mine. After the 30 day investigation I was sent no proof of validation or any information at all from the company showing that this account belongs to me. I then tried to dispute the information once again and still it was said the FCRA requirements were met on my XXXX report but the company removed the incorrect information from XXXX report. 

The company has not met FCRA requirements and should remove this account information from the other two credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Sallie Mae is currently reporting a studentloan that was fraudulently obtained with my information by my ex husband. The loan was opened in XXXX and it was brought to my attention in XXXX after The loan was defaulted upon by my ex. I then informed Sallie Mae that the issue is an identity theft. And they sent me some paperwork to filled out ( whicj they claimed was never received ). The last communication was in XXXX and I was informed XXXX  that they never received my mail and the loan is no longer being serviced by Sallie Mae. I should instead contact Navient, who is now the new servicer of the loan. Every time I called I can not get a straight answer as no one seem to know what's going on with the loan instead I get a monthly reporting on my credit report about delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
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:
XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2019-01-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my PCA pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have noticed on my monitoring service an account from PLUS FOUR INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC multiple times due to multiple accounts being reported a debt of {$66.00} and another for {$91.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible as this these accounts are effecting my personal file.

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