BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: IL
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/XXXX, I mailed and faxed a dispute letter to XXXX, Equifax and XXXX requesting to dispute negative credit items and inquiries. I never received a physical paper copy of the dispute resolution in the mail. According to the Fair Credit Reporting Act, the credit bureaus are required to respond to claims within 30 days and inform me of the results of it's investigation within five business days or they have to automatically delete every item that I disputed. I waited for 45 days and then mailed and faxed all 3 credit bureaus a NEW dispute letter on XX/XX/XXXX, requesting a copy of the investigation results from XX/XX/XXXX. I also requested that they send me proof of how they verified the items and if not provided within 15 days, that they needed to delete every item and inquiry that was disputed. Again, I never received a response in the mail from either credit bureau. Under the Fair Credit Reporting Act, it is a violation for credit reporting agencies to report inaccurate information about anyone, mixing up one 's personal information with someone else 's because of similarities or same names, social security numbers, addresses, etc. Agencies who fail to follow guidelines for handling disputes will be prosecuted in a court of law. According to FCRA, If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests. If the furnisher corrects your information after your dispute, it must notify all of the credit reporting companies it sent the inaccurate information to, so they can update their reports with the correct information. No proof of investigation results have been received from any of the 3 credit bureaus. In the event that the credit bureaus attempt to state that they never received the said documents in the mail or via fax, I also included and attached them in previous CFPB complaints that were filed against these XXXX credit bureaus. The CFPB complaint numbers are as follows : XXXX Equifax, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX. I am demanding that each credit bureau remove, delete, suppress and expunge each negative item, inquiry, incorrect address, name, phone number, employer, public record that I have ever disputed and restrict them from being added back to my report in the future. I am requesting that updated reports reflecting these changes are mailed to me within 15 days of today 's date or I will have my attorney file charges in court. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting a fraudulent XXXX business credit card, XXXX XXXX collection account that is result of identity theft, XXXX inquiry and addresses that does not belong to me. This incorrect information is effecting my credit score which could have an impact of my employment ; I am an accountant and it is required of me to maintain a good credit report at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX has reported an account to credit reporting agency with wrong information. XXXX XXXX XXXX stated they submitted information to Experian and XXXX  to delete the collection account from my credit report. According to the reporting agencies, they stated they never received any information to delete. 

I have attached information from XXXX XXXX XXXX respond to CFPB that they had request this collection be deleted from my credit report. This error has caused a delay in closing on a home and financial hardship

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 2020-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a letter through the mail for verification of debt. 

Under FCRA law, It says that I can submit a verification and if the creditor is unable to validate the debt, showing original signatures and proving that its my debt they must delete it. 

I have yet to receive a response from the company therefore they have violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i was with XXXX which has been sold to Shellpoint, Shellpoint is wanting me to pay almost {$10000.00} by XX/XX/2020 they stated that I have made no payments from XXXX XXXX thru todays date XXXX XXXX they are going to foreclose on my home, and are not willing to work with me, I have sent payments XXXX, Shellpoint will not accept the last 2 payments until the {$10000.00} is paid in full, I do not owe this amount, I have no way of knowing what was done with my payments, Shellpoint is not willing to work with me, now they want a letter stating why I was late, I am not late. there is no way I could have gone 10 months with out a foreclosure before now I can prove 5 and still working on trying to find my payments which are already paid for a year, I have 2 money orders that Shellpoint will not even accept. please I need help,

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 2018-05-23
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX This is not associated with me and I have been fighting these since I found out. 
Disputed Inquiry : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2018-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had nothing but trouble from the very beginning since they took over my home loan. I did a home loan modification in XX/XX/XXXX and bank of America received {$22000.00} from FHA. Bank of America needs to understand that this money wasn't to go in their pockets but to catch up my payments that were behind. They refused to show where the money went. Bank Of America was reporting {$4500.00} past due on my statement prior to my bankruptcy and this is what I reported to the bankruptcy court. It was on the mortgage statement which I have proof of. I also didn't have to pay their attorney fee 's when I filed for bankruptcy in XX/XX/XXXX and XX/XX/XXXX. They hired the attorney so why should I have to pay their attorney fee 's for me just filing for bankruptcy. I have to pay my bankruptcy attorney plus their attorney fees. They just don't want anything to be easy on me because I am a single female. And females are mistreated and abused in this country. Since I am the sole breadwinner in my household and having to support my son on top of it. Nothing is easy for a single female. Bank of America is trying to MILK me for all the money i got to pay for my food and other bills. I am getting sick and tired of it. " Why bother to file for a modification " to lower your payment. If by LAW they can raise it to {$560.00} from {$510.00}. They are making my life very difficult to live. One other thing I would like to point out. My bankruptcy lawyer works for me not them which I am paying her. And I shouldn't owe their attorney fees because he is not representing me but Bank Of America! " Just to look over my bankruptcy filing! ''

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 2016-03-23
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
IC SYSTEM COLLECTIONS REPORTING THAT I OWE THEM A DEBT. I SENT 3 REQUESTING NOTICES FOR VALIDATION OF THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Radius Global Solution has reported an alleged debt in the amount of XXXX} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Radius Global Solution obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Radius Global Solution on XX/XX/2021 and I await a response.

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 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Capital One sent me an email stating that ( 1 ) I am a loyal customer, and ( 2  ) I am offered an offer to earn {$450.00} bonus by depositing {$50000.00} by XX/XX/XXXX into my Money Market account ending in XXXX. On XX/XX/XXXX, Capital One sent me another email stating that there are still a few days left to earn {$450.00} by depositing {$50000.00}. On XX/XX/XXXX, I transferred {$50000.00} from an external account into my Capital One Money Market account ending in XXXX. On XX/XX/XXXX, Capital One sent me an email threatening that " Well be closing your account ending in XXXX on XX/XX/XXXX, because We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes. '' My Capital One Money Market account is the only account I have with Capital One. It was opened on XX/XX/XXXX. The account was not actively used recently and the only activity in the past month was the transfer of {$50000.00} into the account, which was in response to Capital One 's offer. It turns out that Capital One didn't want to pay out the bonus and intentionally closed my account because I responded to that offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Resurgent Capital Services L.P.
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:
My last few complaints were marked as duplicate. The company failed to answer, they then requested more time and now its been marked as a duplicate complaint. I have yet to get answers as to why Resurgent Capital/LVNV Continued to try and collect on a debt from XXXX and XXXX that was not my debt as I was the victim of identity theft. The XXXX card that they have continued to try and collect on up until this past XX/XX/XXXX was also the very same card that they got a default judgment on in XXXX. This has since been pulled out of the courts in my favor due to identity theft. The amount Resurgent is trying to collect on the very same card is a higher amount. How does one collect on a card that was never mine and then the courts removed it yet you ruined my credit over this card and a XXXX card. And why would you still be trying to collect on these cards when you know very well that these were part of my identity theft? Also the state of California has a statute that you should read up on. Had Resurgent /LVNV done the correct thing my credit would not be a mess today but they refused to report this as an identity theft and continued to try and collect on cards that were not mine and were 20 years old. I would like some answers. I also want to know why it took Resurgent up until this past XXXX XXXX XXXX ) for them to realize a credit card from XXXX and XXXX were fraudulent cards?? I believe that I had been telling them this. Or why were they trying to collect on a card that was kicked out of the court when a default judgment was granted and then removed?? and why is the amount different and much higher than what the courts had down. I mean come on that is quite a few years they have been trying to collect money from me ... on cards that are not mine.They also reported me incorrectly for many, many years which had a profound effect on my credit they ruined it.. I would like them to go back in and fix the mess they created with all three credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Byrider Franchising, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent in a complaint on my XXXX complaint # XXXX how XXXX  is lie about how I pay them XX/XX/2016 and it never happen they are just trying to stay on my credit longer I was able to log in my XXXX XXXX so I would love if I can get this complaint sent over or told again so I can know there response please and thank you cause there liein I never pay them XX/XX/2016

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
opened online XXXX account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on chexsystems 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 2016-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible

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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hi i am filing a complaint against the bureau company because they have not validate any information i sent them because i have not received any investigation letters what so ever. i also see account that arent mine they will not respond back to me ... this is a serious violation under FCRA SECTION 609 ... this is very stressful because their not doing their job as promise to protect us ... ....

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 2020-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive mailed request four times to all three credit bureaus to remove fraud alert because its hindering me to purchase my home Ive sent certified Mail and fraud alert still on there and I need it permanently removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: EQUIFAX, INC.
State: MA
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 attempted to create a dispute with Equifax about an auto loan after my credit score dropped 80 points on an account that I am the cosigner of. After several attempts to make a dispute through their website all I could achieve was a statement that they couldn't verify my identity even after receiving a conformation that they had identified my account. It seems to me that they simply did not want to process any request. As I was looking to buy a house at the time the sudden drop of my credit has put finding a home in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Was not notified of investigation status or results

Complaint:
I received a letter from a debt collector on XX/XX/XXXX and I sent them a debt validation letter in return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX I was informed by a mortgage lender that there was a judgment on my public record for {$2500.00} that was filed in XX/XX/XXXX. After researching to see what it was from, it was determined to be from Capital One. I had no knowledge of this at that time and wasnt given the opportunity to appear in court. 

I had been paying Capital One directly and made a final payment in XXXX of XXXX. However, they are also still reporting it as a collections account for {$160.00}, but never informed the court that payments were made resulting in inaccurate information on my public record. 

Currently, I have this double reporting for the same debt in two different amounts and the collection agency ( XXXX XXXX XXXX ) has not responded to verbal or written requests to resolve this, by updating the court and/or providing me with current documentation, which is preventing me from closing on a home during a highly competitive market and putting me at risk of losing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
The. Home. Was. Paid. Off. I. Borrowed. XXXX. And. Was. Charged. An. Extra.  XXXX. They. Stole. All. The. Equity. Out. Of. The. House. They. Were. Not. Transparent. With. Me. At. All. I. Feel. Like. I. Was. Robbed. And. Would. Like. These. People. To. Be. Bought. Up. On. Charges. For. Pulling. A. Fast. One. On. Me. The. Companies. Name. Is. Ocwen. Financial. Or. Phh.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I notice some negative items on my credit report and sent a dispute to the 3 CRA ( transunion, XXXX, and XXXX ) on XX/XX/2020 about the inaccurate items -- most of them are items that are more than 7 years old and needs to be deleted asap, the rest are incomplete and inaccurate items that needs to be deleted as well. Neither of the CRAs has responded to me concerning the inaccurate items.

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