BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-20
Company: CAVALRY INVESTMENTS, LLC
State: MI
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:
ENTITY INVOLVED : CALVARY PORTFOLIO SERVICES, LLC. 

For nearly a year now ( since XXXX ), I have been trying to get erroneous collection data addressed on my credit report with the three credit reporting agencies. 

The erroneous data resulted in a denial of 3 housing opportunities in XXXX. As a XXXX XXXX XXXX, I am beyond frustrated with the reporting entities ' failure to follow federal rules and regs. 

As of XX/XX/XXXX : XXXX finally realized that Calvary Portfolio Services was reporting erroneous data that could not be verified, in violation of Federal Regulation V. 

As of XX/XX/XXXX ( and going back several years ), Cavalry continues to report an alleged collection account with an open date of XX/XX/XXXX to XXXX and XXXX. Upon written request ( dispute ), Cavalry they could not verify the proper account balance ( different from what appears on credit report ), the date the alleged account was closed, date reported or the charge-off date - to the credit agencies. THIS ACCT WAS RE-AGED by Cavalry despite no legal event that would allow re-aging. Per XXXX data, the account is about to turn 7 years old. 

As of XXXX, Calvary reports to XXXX that the contact info. for this alleged collection account is in XXXX, NY. However, Calvary reports to XXXX that the contact info for this account is in XXXX, AZ. This is another clear compliance violation. 

Interestingly, in XX/XX/XXXX, another company " XXXX XXXX '' sent me an invoice out of the blue and - says their client is Calvary SPV I, LLC, owns the account. Payment is demanded. This account over the Statute of Limitations and this entity is located in South Dakota. So, we have NY, AZ & SD offices and two different entities demanding payment on this re-aged alleged debt. 

Thanks to violative conduct by Calvary and associated entities as well as non-compliance by XXXX XXXX and XXXX XXXX by failing to properly obtain verification, harm has been caused to this consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Servis One, Inc., Titusville, PA Branch
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced a mortgage with BSI Financial on XX/XX/2018. Prior to closing, they received a copy of my updated homeowner 's insurance along with an invoice. The total ( {$850.00} ) was paid from proceeds from the closing, and listed as a line item on the closing statement. 
A few months later I began receiving letters that I did not have homeowner 's insurance and the lender would purchase forced place insurance. 
I called a few times and was told a ) uploading it online wouldn't work, b ) the insurance from closing must not have gotten to the correct department at BSI c ) they would contact my homeowner 's insurance company and all would be fine.

Today I receive a letter that BSI has purchase forced place insurance and they are billing me for {$870.00}!!

This is FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
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: Account information incorrect

Complaint:
XXXX XXXX XXXX We disagree with the balanced noted on Equifax and XXXX noted as {$38000.00}. The account was open in 2006, we need to see the past 7 year history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
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 information incorrect

Complaint:
On or about XX/XX/XXXX I was notified by our Mortgage lender, XXXX XXXX  that they did not receive our payment for XX/XX/XXXX. I immediately faxed customer care the copy of the cashed check in the amount of XXXX. On XX/XX/XXXX, I received another letter asking for a payment of XXXX. They stated they did not receive my fax or payment for XX/XX/XXXX as well and are now charging me a late fee of XXXX. I proceeded to fax them proof of XX/XX/XXXXand XX/XX/XXXX payment. This time they told me they only got the first cover page of the fax. On my end I show that all pages of the fax were received. I have called customer service at least ten times, e-mailed three times and sent information certified letter to two different locations which they signed for. For some reason I discovered that the account number had gotten switched back to an old account number I had with XXXX XXXX   when XXXX acquired my loan. I do not know how this happened but I relayed this information to them. They acknowledged they got this information and proof of payment but continue to send me letters with threats of foreclosure and reporting me to the credit bureau. I got into my credit report today and found that XXXX XXXX has now placed a negative mark on our spotless credit report. I will also be filing a dispute regarding this matter. I am helpless and unable to get this resolve while they damage my credit and threaten to foreclose on our home. It is time to make XX/XX/XXXX mortgage payment and I am frightened they will loose this one as well.

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 2019-04-20
Company: AMERICAN EXPRESS COMPANY
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:
Im writing this in regards to a 60day- late payment report made by American Express . I have an  American Express Platinum card and I had made a reservation using XXXX on XX/XX/18 for {$920.00}. I had canceled this reservation within the time allotted stated on XXXX website. However, XXXX refused to refund me my full purchase amount and wouldnt provide me with any credits close to the amount I paid. I called American Express hoping and submitted a dispute a few days later in XXXX of 2018. 

American Express kept closing the dispute and said there was nothing they could do after the inquiry they made with XXXX. Over the last 9months I requested over 8 times for them to reopen the dispute and when I called them in XXXX the would not dispute the amount and stated it was my responsibility to pay for a service that I never received even though I should have been refunded the full amount. I explained that because of this high transaction amount I would need more time. They were not reasonable and demanded payment immediately for a service I did not receive. I called them a few days ago after they harassed me by phone to pay this balance, and I paid it in full and stated I will still dispute the transaction at a later time. I always make on time payments with any creditor and I do not have any derogatory remarks on my credit. Can you please help me remove the 60-day late payment as American Express is treating me unfairly? Thank you for your time!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21
Company: The Moore Law Group
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'm a XXXX homebound senior and have been reliant on caregivers for the past 30 years. The Moore Law Group, XXXX XXXX, California is trying to get a judgement against me for purchases on a XXXX credit card that I did not authorize. I have asked the Moore Law Group for proof as to who applied for this card in my name and other information. I requested these specific details so I can adequately defend myself in court. The Moore Law Group is refusing to provide the information. My only source of income is Social Security XXXX, therefore I can not claim responsibility for bills that I did not authorise. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: The CMI Group, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT MANAGEMENT LP {$290.00} In collections by XXXX XXXX I have documentation that I do not owe this amount to XXXX, I owed {$82.00}. This amount is highly fabricated, and highly inaccurate. 

This account needs to show that it has already been taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
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:
Company Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Balance {$720.00} On XX/XX/2022 I sent a certified letter to all three credit bureaus ( Experian, XXXX XXXX XXXX XXXX asking for them to do a thorough investigation of everything on my credit report. On XX/XX/2022 Experian stated that everything was accurate, and their investigation is complete. I never received any correspondence from XXXX or XXXX in regard to them researching my credit report. After completing some research on my credit report, I have still found some inaccuracies on my credit report even after their investigation was completed. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 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 2018-06-08
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Has been harassing me and threatening me about an account not owned by me or opened by me. Several letters have been sent threatening me and suing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, today XXXX XXXX I called customer service of Capital One to ask them to remove the {$25.00} late fee that unfairly has been charged to my account even I paid on my due date ( XXXX XXXX ), The associate told me They were unable to do it due to the " system '' - I asked to speak with someone else and I spoke to a manger ( I do n't remember names ) but the same negative response. They say I have to pay within their time frame, and that this time they wont be able to do it ( I know they have waived other time XXXX sound like this time they want me to teach me a lesson ; and they did want to do that simple thing. 
I think their system should remove any late fee automatically when is paid on your duedate or at least XXXX no make a hard time to good paying people so why in the world they dont want to wave it? It totally unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.

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 2018-03-23
Company: STERLING JEWELERS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am disputing the companyXX/XX/XXXXfor opening up and closing an account in my name without my consent, the card was opened XX/XX/XXXX and shortly closed after. In doing so they have caused damage to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
LACING MY REPORT WITH FALS ENTRIES>illegal-FCRAXX/XX/XXXX 1. On XX/XX/XXXX, I received my XXXX XXXX   XXXX XXXX Report for my car insurance. I am doing a re-rate next month with XXXX XXXX XXXX XXXX. I do not have home insurance.

On XX/XX/XXXX, I called XXXX XXXX twice-to dispute the items on my Reported Claim History For RISK. Attached, is the item on page 1, in the middle of the page. ( car insurance ) On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( fire and casualty ) for cause of loss WIND/C-amount paid {$3800.00} at the address of XXXX XXXX XXXX XXXX XXXX XXXX ( wrong address ), XXXX, AZ XXXX. False information-DELETE! -FCRA I disputed this- for my personal address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX . It is a mailbox at XXXX.

There is no space for wind damage in my tiny mailbox for {$3800.00} as I informed XXXX XXXX.

2. On page one, I disputed- at the top, " RECAP '' Risk 1 Claim Reported. Delete at once! Not mine. FCRA 3. On page 2, XXXX XXXX and EXPERIAN have NOT updated my payment information on XXXX XXXX report. FCRA XXXX XXXX ( last activity-XX/XX/XXXX ) I pay every month on time and its XX/XX/XXXX. That's 7 months of unrecorded monthly payments. FCRA Credit Acceptance ( last activityXX/XX/XXXX ). I pay every month on time and its XX/XX/XXXX. That's 6 months of unrecorded monthly payments. FCRA 3. On page 3, XXXX XXXX must remove " revolving accounts past due {$2900.00} ''. Remove entire entry for it is not mine and false information. FCRA Remove 18 entries for inquires on the same day- XX/XX/XXXX Remove 2 entries for XXXX XXXX XXXX XXXX on XX/XX/XXXX.

LACING MY XXXX XXXX and CREDIT REPORTS WITH FALSE ENTRIES -- VIOLATIONS-FCRA.

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 2019-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent money through my bank through XXXX and I got scammed by the recipient. I sent XXXX on XX/XX/2019 at XXXX I would like to report this to the recipients bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank is clearly and obviously discriminating against me. Citibank approved me for a BestBuy XXXX card nearly two years ago. They also gave me a Citi AADvantage MasterCard, a XXXX and XXXX XXXX card and a XXXX XXXX XXXX credit card. Citibank has treated me unfairly over the past few years. And on XX/XX/XXXX at XXXX I sent a message to Citibank letting them know that they have treated me awful. I said nothing bad. I just said you have treated me awful. The next day the closed all my credit cards. Their excuse was that I had too many recent inquiries on my credit report. I disagreed with that because I have a credit freeze on my credit and a 90 day fraud alert and a block on my XXXX report. I have solid evidence that Citibank has discriminated against me. I will not disclose too much because I am exploring legal options. All my credit cards with Citibank had a {$0.00} balance because I always pay them in full. Citibank claimed that they review the accounts and credit every six months. However conveniently Citibank closes my cards less than 24 hours after I sent my message to them. I retained a copy of that message for my records. Citibank wo n't even hire me because not only because I am XXXX XXXXXXXX which I have information and witnesses to confirm my claim, but also because I am over XXXX. Customers need to be made aware of Citibank 's discrimination against minorities so that they can make an informed decision before they bank with Citibank. I monitor my credit everyday. My credit score is good, and there were no recent inquiries due to the credit freeze on all three bureaus. Citibank lied to me when they closed all of my Citi cards. They closed them because they do n't like me, and when I called them out on it via secured message, they closed my cards. SHAME ON CITIBANK.

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 2022-08-11
Company: EQUIFAX, INC.
State: MI
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:
After checking my credit report with Equifax, I saw that I have inquiries that I never authorized or gave my consent to. I also have reports from XXXX and XXXX that needed to be deleted off. Equifax violated my consumer rights and the FDCPA as well as the FCRA by furnishing negative information on my report, furnished negative information without my knowledge or consent, kept information on my report for longer than seven years, reported payments that were paid on time as being late. I've sent letters that were received by Equifax but the problems were not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: Information belongs to someone else

Complaint:
In 2016 I was involved in an auto accident caused by a third party. The third party had insurance that covered the cost of the replacement of my car as well as my medical bills. This bill is from that accident and I was not found responsible for this debt.

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 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I was soliciting business with several banks that promised me that there would only be a soft inquiry into my credit report but did hard inquiries anyway. The following companies are : 1. ) XXXX XXXX XXXX XXXX XXXX 2. ) Cap One 3. ) Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I settled my Wells Fargo Card for {$5600.00} whereas they are failing to acknowledge my payment and misreporting to the credit bureaus, I have all proof of payment my bank statement which also includes the payment made to them a month ago, I am not able to buy a house due to this, they call me up after a month and are like we haven't received your payment whereas I have all records and a letter sent out by them that I have cleared it.

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 2018-09-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My apartment, XXXX XXXX, turned my account over to XXXX XXXX despite taking my money for {$120.00} on XX/XX/18. The manager at XXXX XXXX confirmed that there is no balance on my account when I called on XX/XX/18 and was willing to confirm the same thing with XXXX XXXX if they talk to her. I contacted XXXX XXXX the same day ( on XX/XX/18 ), asking them to call XXXX XXXX to verify with the apartment manager but the person I spoke to assured me that I merely need to send a copy of the check I used to pay the {$120.00} to his manager, XXXX XXXX ( initially over the phone he spelled her name as XXXX XXXX and resulted in my email being returned ). I was able to successfully send an email to XXXX XXXX at XXXX XXXX with images of the check that was used to pay the balance that XXXX XXXX is attempting to collect on XX/XX/18. The images clearly show the day the check was deposited by XXXX XXXX and the funds withdrawn from my account. 
I am also attaching the same check images to this complaint. However, on XX/XX/18, I was still being contacted by XXXX XXXX regarding this debt that was non-existent to start out with. Now they are saying that they will need to follow up with XXXX XXXX to verify despite me providing them with evidence of payment more than a week ago and they could have called XXXX XXXX to verify in that time period.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief