BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a judicial summons on XX/XX/XXXX to appear in court on XX/XX/XXXX to collect a debt in the amount of {$11000.00}. I sent a letter to the court on XX/XX/XXXX acknowledging that I received the summons. I also made contact with the law firm Hunt & Henriques in an effort to settle the debt. I have now received a court order to garnish my wages beginning XX/XX/XXXX in the amount of 25 % bi-weekly. I never received any additional letters about garnishment of wages and this was sent before my chance to stand before a judge on my court date. XXXX XXXX is fraudulently trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: I.C. System, Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received investigation results.

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 2018-01-20
Company: DISCOVER BANK
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I request a investigation of unauthorized transaction to Discover Bank for the amount of {$810.00}. I sent to them prove documentation over fax three days later that they request by mail letter. they promise to investigate and refund my money. Today XX/XX/XXXX I return a phone call to know the latest for my case. Now they change the history they ca n't do anything.I have in my power all the papers and fax confirmation that I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Upon starting a dispute for incorrect personal information maybe ( someone else 's name ), an update was made and other names were changed to be mine and upon contacting the credit reporter, I was told that those names are reported by creditors that I've never entered business with. This is extremely concerning as they are now falsely reporting on my consumer report. The addresses of these other name variations were removed but they illegally updated those names to show as my name. I will attach my driver 's license to show proof of my identity and residence, just as I did for the reporting agency " experian ''. I asked specifically for my one true and correct name and address to be displayed and all other variations and inaccuracies to be removed. By law, this is what needs to be done. Changing other names to reflect as mine " because '' they are attached to accounts is illegal and unethical. Please ask them do their job. Correctly and follow the law as I have to follow the law.

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 2019-06-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Working with Shellpoint Mortgage Company on a loan modification since XX/XX/2019. 
The loan modification was denied on XX/XX/19, but in the loan modification denial letter it states I have until XX/XX/19 to submit an appeal letter. 
The appeal letter was submitted on XX/XX/19 to Shellpoint Mortgage loss mitigation department. 
Received two certified letters from USPS today XX/XX/19. The certified letters were dated XX/XX/19. Attached to the letters were Foreclosure filings with the County of XXXX on XX/XX/19 @ XXXX XXXX with fees of {$100.00}. 

How can this be when the loan modification appeal is not completed and I submitted the appeal before the XX/XX/19 deadline?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
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: Old information reappears or never goes away

Complaint:
I have a paid lean on my credit profile and it is more than 7 years old. The lean has a paid status. However on several occasions letters were written to the credit bureaus for the removal of the negative reporting. I also obtained documentation From the IRS showing the lean is paid in full and that is what was requested by the credit bureaus. The deragatory remark is still present on my credit profile, I would like to have the negative information removed from my Equifax and XXXX credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this company is reporting and allow these company 's to report fraudulent inquiry to my credit. i in no way have willingly given these companies my information and or given permission to take my personal information and now allow it to report on my credit with has financially abused and hurt me! i am disputing these fraud inquiries and want them removed A.S.A.P!

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 2019-06-24
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This complaint is for a debt collector company name " EOS '' Around XXXX I attended XXXX University graduate XXXX, and now XXXX the school long been close for fraudulent activities but ever since late XXXX my mother been receiving robocalls from EOS company, they are stating that she has cosign for me when I attended that Fraudulent school " XXXX University/XXXX  '' back in XXXX when supposedly the lawn were so-called taking for the amount of {$4000.00} which now become {$5000.00}!!! Who had long shut their doors for lawsuits against them for misleading people by attending they're so-called UNIVERSITY. 
I was unaware of these robocalls to my mother! Today after answering one of the EOS Operative impersonating to be a lawyer, and a debt collector. Who stated that if I Am XXXX XXXX which I reply Yes, and give my new address which I just move in with my wife about last month on XX/XX/XXXX to be exact! Then I tried to complied with him and he was being very rude too. Then that trouble my mind so I call them again to tried to get some more info from them but this time a lady pick up! They even tried to say that they have spoke to me on several occasion which I have no knowledge off because after I contact my mother! She indeed told me shes tired of these people tried collect a lawn that we don't even remember taking from that XXXX school! But again it's " XXXXXXXX '' affiliates! They even mention to me they have repurchase the lawn from another lender after 12 years! To tried collect the debt that is in collection ... it's company like that! That make this generation believed in that new " College is a Scam '' movement. Because of robo calls and malpractices on they're way of going and tried to accused people and kept them in bondaged that they knew not or debt that have may have been long expired. Please I will like for CFPB to assist me on this matter. 
I and my mother truly don't know about that lawn she have cosign on my behalf 12 years ago. The company tell me over the phone that! I'm in collection which not true! And if I am they may have reported that XXXX so-called debt of there's today XX/XX/XXXX after pick up they're anonymous call. I know nothing of that Private School lawn that XXXX may have misused my information without my consent! Honestly don't know All I know is that I have school lawn with " XXXX XXXX '' Now become XXXX! And been making my payments etc ... Truly I wasn't aware of that so-called private till to day. 
So Please CFPB I need help resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
1.XX/XX/XXXX-XXXX XXXX phoned my sister and brother in law about trying to be served by XXXX XXXX XXXX XXXX. 

2. XX/XX/XXXX-Phoned XXXX XXXX XXXX XXXX and spoke with XXXX XXXX and he informed me that they are trying to serve me for a debt I never had and he will not give me any documents that show this debt. Instead he sends me a letter stating that I agreed to pay the {$930.00} which is incorrect because I will not be paying for this debt I never had and never received any letters about this. XXXX told me that all letters where sent to an old address that goes back to XX/XX/XXXX. Also Mr. XXXX told me he would talk to XXXX XXXX about talking to my sister and given out my information to her. 

3. XX/XX/XXXX-Left voicemail message for XXXX XXXX letting him know that I have filed a complaint with CFPB and the FTC. That I don't want anymore phone calls from them.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-07
Company: WELLS FARGO & COMPANY
State: OH
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 personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, XXXX, XXXX, & XXXX ( XXXX XXXX  {$2200.00} ) {$770.00} XXXX 's ( {$590.00} ) XXXXXXXX XXXX ( {$1900.00} ) XXXX  ( {$240.00} )

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 2017-12-28
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Although this is my 2nd Complaint with CFPD, Experian still refuses to adhere to FCRA rules and regulations. According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete their investigation no later than ( 30 ) days or the item ( s ) in question must be DELETED from the consumer 's credit report. Unfortunately, it took Experian ( 49 ) or  more days to complete my investigation, well exceeding the allotted time frame pursuant to FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Also, Experian refused to provide me with a Method Of Verification that they used to determined the validity and accuracy of the item ( s ) that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violation that were committed by Experian ; yet, the remaining violations are listed in my attached documents.

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 2017-11-08
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: Old information reappears or never goes away

Complaint:
Equifax took my previous address from 2013 and made it my current address, my current address is now showing up as a previous address, I 'm trying to refinance my mortgage and it is creating a huge problem. I tried the online dispute form and it stated my information does not match, I tried calling, was sent to XXXX where they explain I needed to use the online form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Received a voicemail and message from my mom regarding a civil suit for a breach in contract with Fifth Third Bank from a checking account for $ XXXX XXXX that was XXXX in XX/XX/XXXX. Informed that notice would be served to my employer on XX/XX/XXXX of the balance was paid along with litigation filing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had just got a report sent back via email from Transunion and CFPB regarding a matter that STILL is not being taken care of. Transunion keeps reporting the items of XXXX XXXX XXXX which is a car Surrender. We are not disputing the amount that is owed to XXXX XXXX XXXX. We know that it is a collection. We are disputing the way it is being reported. Both items with XXXX XXXX XXXX are CHARGE OFFS. They should be reported as such. I do not understand why it is taking more than two months for this to be corrected. Transunion even wrote it in a letter to you and us that it is a CHARGE OFF but, it is not being reported. It is being reported as opened with a monthly payment. There should be no monthly payment. Again, we acknowledge there is a balance owed. I sent a letter previously to you and Transunion yet this is still something that isn't being corrected and I do not understand why. If it was corrected as a CHARGE OFF, we would have a better chance on obtaining loans. We do know that it is going to be reported as a balanced owed for 7 years. WE JUST WANT IT TO BE REPORTED CORRECTLY AS A CHARGE OFF. Enough is enough already. This is in violation under the Fair Credit Reporting act. It is causing undue stress and anxiety and it effects everyone in the household. Our next step will be to sue for an unresolved Transunion Dispute. We have the right to sue under the FCRA. I am giving them time to correct this action. It has been reported constantly. Nobody should have to deal with this unprofessional practice. Even the CFPB that did the report review previously got the company name wrong we were disputing. THIS IS UNCALLED 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 non-monetary relief
Consumer complaint received 2017-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sold two accounts to Portfolio Recovery in the amount of {$960.00} and {$1000.00}. They have been contacting me harassing me about a debt that I have no knowledge of. On XX/XX/XXXX and XX/XX/XXXX i demanded they provide proof of contract between me and XXXX XXXX. I asked them to remove this inaccurate information against my credit file. I have no written or signed contract with Portfolio Recovery nor XXXX XXXX. I have made all credit bureaus ( XXXX, XXXX, and XXXX ) aware of this matter, yet they continue to report inaccurate information on my report. This matter has become troublesome situation for myself and my family. Any help assisting me with this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX # XXXX is paid in full an out dated

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this company is reporting and allow these company 's to report fraudulent inquiry to my credit. i in no way have willingly given these companies my information and or given permission to take my personal information and now allow it to report on my credit with has financially abused and hurt me! i am disputing these fraud inquiries and want them removed A.S.A.P!

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 2019-06-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I sent a XXXX dollar check to pay off lease. Check was cashed but not applied to end of lease fee. Chase stated that they sent me letters to pay for auto property tax. I did not receive a bill to pay for taxes but yet they have electronic records of letters. My account was sent to collection agency for the recovery of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Capital one is refusing to remove two hard inquiries that do not belong to me. I was previously a victim of fraud. I sent them a police report at the time and assured them it wasnt me they still allowed attempts to be made in my name even tho I had a security freeze with a number to call attached. I was never contacted. Now they say it can take up to 90 days to remove. This is hendering my way of living causing me pain suffering and stress. I would like the fraudulent inquiries removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NC
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 disputed an item with Experian but I think they waited the 30 days to give me the same results. No investigation was ever done. XXXX put a negative item on my credit and I disputed it but nothing changed. XXXX never sent a debt validation letter. I have 5 current accounts with XXXX but none of that was mentioned. A sub account was added without my permission but XXXX never sent me a letter or any information to let me know that the sub account was in the rear and not being paid. If my main account was behind, I would get a text or phone call. Double Standards. Experian didnt investigate any of that.

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 2022-03-07
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company LVNV FUNDING LLC clams i have a account Seriously past due date /owed balance of $ XXXX assigned to attorney, collection agency, or credit grantor 's internal collection department and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. you have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!

Company response to consumer: Closed with explanation