BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
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:
I have expressed my concerns with synchrony bank along with equifax and experian about this fraudulent account that is on my consumer report and each company refuses to delete the account from my consumer report. Even after i sent all the proper documentation including ftc identity theft affidavit. Furthermore not only does the synchrony bank trade line not belong to me they are reporting inaccurate information as well reporting a balance of {$4000.00} to equifax and reporting a balance of {$4100.00} to experian that is proof that this company is reporting inaccurate information. Disregarding federal law that all information reported to a consumers credit report should be 100 % accurate i demand that this account is removed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For some years now this has been popping up on my credit reports. Have disputed in the past because my sister whose name is XXXX XXXX has on multiple instances taking my identity and used it to get bills like gas electric water and cable wherever she would be staying. I thought I had this taken care of 2 years ago but it popped back up 6 months ago. Now it is time that we are looking for a home and I I just called and paid XXXX XXXX to there collections department. Not too ERC group. I have contacted all letting everyone know that this was my sister taking my identity. I did not go as far as getting a judgment against her for taking my identity I have just been paying for it. Like I said I paid for it on XXXX XXXX 2018 direct to XXXX collections department. I would like this removed from my reports as soon as possible. 

Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/XXXX I mailed a certified letter for disputes in to Equifax along with a copy of my drivers license and social security card as proof of identity. I also mailed a copy of my complaint filed with the Federal Trade Commission. On XX/XX/XXXX I called Equifax to get an updated status of my disputes. I spoke with a representative by the name of XXXX, after telling the rep the reason for my call she initially pretended as if the company did not receive my letters. After stating that everything was sent certified mail and that it has been confirmed that the company has indeed received my documentation the representative stated that the inquiries were factual. I asked the rep what documentation has been provided to confirm that the inquiries were done on my behalf as well as asked that verification be sent to me. The representative stated that I could not be provided the information. I stated that according to FCRA law I have the right to know what is being reported on my credit file as well as any validation or verification. I stated that my disputes should be investigated under the provisions of the FCRA, 15 USC 1681li. The representative then stated that she could not help me and that I would need to be transferred to another department. I asked the representative if all detail information was included in my written letter how is it that I now needed to be transferred after asking for documentation that she claims are factual. I asked the representative for her name again for my reference and she replied that her name was XXXX which was not the name that she gave at the beginning of the call. The representative was very rude and ugly with trying to help me with this matter. Not only was this very unprofessional but it makes the company look bad as a whole. 

The inquiries that were included in the letter are as followed : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Capital One Spark Business is the company that we bank with and this issue is related to. 

Capital One sent us checks through the mail, with no tracking or security. Somewhere, an unauthorized individual stole the checks and started writing and cashing checks to themselves. This happened in the middle of the night on XX/XX/XXXX. We were unable to reach anyone at Capital One, because their support is not open until XXXX XXXX  EST. 

We called at XXXX XXXX EST to get our account locked and reverse these fraudulent check charges to our account. Capital One reversed all but one of these fraudulent checks. The check that was never reversed was # XXXX and in the amount of {$2400.00}. 

We have called numerous times to rectify this and Capital One keeps telling us that " the investigator is looking through the information ''. They have told us twice it would only take 2 days for the investigation. Due to the fact that Capital One lost our checks and did not provide a sufficient duty of care, we don't believe it matters if an investigation happens or not. We are requesting a refund of the fraudulent check in the amount of {$2400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The XXXX company deleted from my credit report an account that lacks specific information and is even incomplete and after 15 days put it back without sending prior notification, this is a serious violation of the FCRA since they should have notified no more than 5 days of doing this in writing before proceeding to report the account again. in my credit report. 

Another point is that they automatically opened without my authorization a dispute of the reinsertion without my authorization making it happen as if I had done 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 explanation
Consumer complaint received 2018-01-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo bank offered a hurricane relief plan for there customers a 90 day plan to put the payments at the end of my loan. But instead they ask for all 90 day payment in full or I would be put in default of my loan .Sent me letters asking for the payment added late charges every month on my statement. They was to help me and I feel that they did not.

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 2021-11-19
Company: EQUIFAX, INC.
State: CA
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:
Around XXXX of XXXX I bought a rug from XXXX XXXX on my XXXX XXXX credit card - a card that incidently has a 12 month no interest plan. The rug was to be delivered in a couple of weeks. I continually received emails that the delivery was delayed. Finally in XXXX of XXXX I bought a different rug and cancelled the XXXX XXXX order. However an attempted delivery was made and I refused delivery of the rug. I did not realize that the company sent a charge for the delivery of the rug and I spent a great deal of time working with the credit card company to have the charge reversed which they did in XX/XX/XXXX. 

I am now in the process of refinancing my mortgage and my credit score has dropped significantly so I checked my credit report and found that I am showing a 30 day late payment for XX/XX/XXXX. The report also shows no payment made to the account after XXXX of XXXX - the month I paid off my prior purchase which I paid off in 12 months without incurring interest. It also shows a XXXX balance for XX/XX/XXXX - proof that the charge was reversed without me making a payment. This item should not have appeared on my credit report. 

I have disputed this item with all three credti reporting agencies and have disputed it twice with XXXX already. XXXX has responded to both disputes stating that I was indeed 30 days late - aparently because that is what is showing up in the public record. 

The customer service repersentative for XXXX stated that I should dispute directly with the credit card company which I attempted to do. The company ( XXXX XXXX ) acquired the XXXX XXXX card a few months ago and the representative says that they have no record of the charges or the history of the account prior to the acquisition. They say that I need to contact the original company that provided the XXXX XXXX card. I called the back of my credit card and it sends me to XXXX XXXX so I have no way of knowing who to contact and how to contact them. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: UT
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:
Experian : Reporting : XXXX XXXX Acct A balance of {$1300.00} when the balance was Charged Off as of XX/XX/2016. The Balance should be 0 ( Zero ). This is a blatant violation. 

They are also reporting that there have been XXXX more charge off dates of XX/XX/XXXX and XX/XX/XXXX, since the account was closed back in XX/XX/2016 and is negatively impacting my credit score, making it appear that this is new information. The Charge off dates Reported seem to correspond with the dates that I sent in Disputes. This is totally inaccurate and misleading as well as re-aging the account inaccurately. 

I have also requested an Original Signature showing that I have a legally binding contractual obligation to XXXX XXXX. Which I have never received. 

Invalid Account # Listed I have disputed it in XX/XX/XXXX and again in XX/XX/XXXX and all they do is update the reported date and never fix the inaccurate and misleading information and causing my credit to look as if it's a brand new issue. The XXXX account was closed back in XX/XX/XXXX and not sure why XXXX is not reporting it correctly and they are refusing to send me any reason why. All of these items are a Violation to the Fair Credit Reporting Act.

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 2022-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had been receiving quite a few calls from someone coming up on my caller ID as " Sunrise Collections '' and I did not know who this was, so I answered the call. Someone on the other end of the call asked me to verify who I was. I didn't want to do this until I knew what the call was about since I had no idea who was calling and about what since I had never heard of them or from them. I wish I had caught the reps name from the call, but the call was made to me from XXXX on XX/XX/2021 at exactly XXXX XX/XX/XXXX eastern time. I was informed at that time of a bill owed to XXXX XXXX XXXX who the rep wanted me to take responsibility for. I informed her that I had no idea what bill or account she was talking about, I had nothing in writing and I requested that she send something to me, validating the debt as I had received nothing about this and this was the first time I was hearing about it. This person tried tricking me over the phone into getting me to admit ownership of a debt I have no documentation of and continued to be rude and on the border of harassing. I requested that she send me written documentation and I'd follow up after I had that. Since that time, I've been receiving at least 2 calls per day from this collection agency and still, no validation of the debt or anything else in writing. Because of this occurring, at the time of the call, this collection agency had made no entry on my credit report ( as I had said -- I had never heard of them before in any way ). I have since applied for a mortgage and they have entered a collection on all 3 of my credit reports significantly affecting my ability to obtain an approval.

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 2018-01-17
Company: EQUITY LOANS LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX, I was denied a loan by Equity Prime Mortgage, NMLS # XXXX /NMLS # : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX. At the time of denial, I had a credit score that exceeded the minimum requirement to obtain their product. DTI ratio requirement met. Proof of income, and proof of ability to repay. Subject property also met financing guidelines.The company did not provide the reason for the denial nor attempted to advise on how to obtain approval. I felt discriminated against because I met all minimum requirements to obtain a loan. 

The company may have changed names during this period.

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 2018-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Latest phone call received from Portfolio Recovery ( Tel # XXXX ), the evening of Tuesday X/XX/2018 citing a debt in the amount of {$1100.00} for a XXXX XXXX XXXX XXXX # XXXX dating back to XXXX. Advised the young lady on the line that this was discharged via Bankruptcy. She replied, that was noted the case and how would I like to pay off this debt.At that point advised her that this conversation was over and will contact the FTC and file complaint. 

My Case # XXXX US Bankruptcy Court XXXX XXXX of Pennsylvania cites the discharge of debts of which the above noted XXXX XXXX ( XXXX XXXX ) was first on the list. Having repaired my credit moving forward, XXXX XXXX has issued 2 Credit Cards to me ( all which are in great standing - never missed a payment ) as well as IRA and Personal Checking with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: PENTAGON FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
On XXXX XXXX After making numerous called to XXXX about the multiple inaccurate inquires and accounts being reported on my consumers report they refuse to remove the information as requested. 

As per XXXX data sharing policy they mention they get permission from 3rd party sources to report information on my consumers report. I did not give consent to XXXX or any other person to furnish any data of mines. Im also suppose to receive a copy of me consenting to XXXX data sharing, but I never received this information to opt-in or opt-out which is a deceptive practice. As the consumer I did give consent to XXXX or any person permission to report/share any assumed data that I will mention in the complaint. 

XXXX and its 3rd party furnishers/person are in violation of their own data sharing policy, and my consumers right to privacy. Which are also in violation of 15 U.S. code 1682B Section A ( 1 ) ( 2 )., They are also in violation of the data protection act.

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 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 am a victim of identity theft and have been a victim of identity theft for over 11 years. The following 2 credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I have never lived at the above address. I want the following phone number deleted from my credit report : XXXX, the phone number do n't belong to me

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 2017-07-05
Company: EQUIFAX, INC.
State: ND
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 am a victim of identity theft and have been a victim of identity theft for over 11 years. The following 2 credit card accounts are fraudulent and unauthorized :  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I have never lived at the above address. I want the following phone number deleted from my credit report : XXXX, the phone number do n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Fay Servicing, LLC
State: DC
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:
Back in XX/XX/XXXX/XXXX  of 2017, I made my mortgage payment thru XXXX  thru a wire transfer. Fay Servicing contacted me on the last day of the month and stated I had to made by mortgage payment. I immediately gave permission to make a payment at that time. The next day was the XXXX  of the month, and upon checking my account, I noticed that Fay  Servicing had already been paid the previous month on the XX/XX/XXXX. I immediately stopped the telephone payment and contacted Fay Servicing to find out why the rep had lied and told me I was late on a payment, that had already been paid. Since that time, my rep has changed 4 times, and no one seems to be able to help me. Currently, I have 3 late  payments this year, and once I realized the discrepancy I immediately attempted to have an investigation done, to no avail. The conversations are recorded and I have all of my transactions documents. In the meantime, the payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: SELECT PORTFOLIO SERVICING, 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: Account status incorrect

Complaint:
On XX/XX/XXXX the servicer changed on my XXXX mortgage loan from XXXX XXXX XXXX  to Select Portfolio Servicing ( SPS ). In XX/XX/XXXX my credit score dropped 44 points. On XX/XX/XXXX I found out it was because SPS was reporting my mortgage loan as a NEW MODIFIED loan instead of that they are the new servicers of my existing loan from XX/XX/XXXX. The information SPS is reporting is completely false. When I contacted SPS via telephone, they told me that they are reporting it correctly and will not change it. 

When I reported it to XXXXXXXX XXXX stated that SPS said they are reporting correctly and XXXX will not change it. 

I did not obtain a NEW loan from SPS nor did I MODIFY my loan with SPS. I was forced to have SPS service my loans when they obtained these rights by becoming the new servicer for my loan. Reporting that I obtained a NEW MODIFED loan from SPS to the credit bureaus is completely false and against the law. 

My credit score is being detrimentally impacted since SPS is reporting this as a NEW loan instead of just a new servicer to my existing loan and they refuse to correct this information. 

The credit reporting agencies refuse to assist me since SPS is reporting to them that their information is correct. 

HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification via a credit monitoring app that a company called Commonwealth Financial added a collection account to my XXXX credit file on XX/XX/XXXX. I checked with my state of Florida Office of Financial Regulation and this company 's license to conduct collection activity in Florida as been revoked/voided since XX/XX/XXXX.

Company response to consumer: Closed with explanation