BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: WA
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 requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
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: Was not notified of investigation status or results

Complaint:
On or around XX/XX/2018, I disputed a credit card account with Transunion credit bureau .

On XX/XX/2018, I received a notification that the debt was deleted from my credit file.

On XX/XX/2018, upon a review of my credit report, I find that the debt had been reinserted on my credit file, however, I did not receive any correspondence from Transunion that detailed the debt was being re-inserted and the reason for doing so.

On XX/XX/2018, I contacted a Transunion representative and informed that the debt had been reinserted and that I had not been given notice within 5 days of the re-insertion of the debt. I requested for the item to be removed from my credit file due to the me not receiving statutorily required notice and that it did not belong to me. I was told that a letter had been sent and I requested proof because I did not received anything from Transunion regarding a reinsertion. The representative offered to re-dispute but refused to remove it from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2018-07-05
Company: EQUIFAX, 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:
The second mortgage on my foreclosed home was transferred from XXXX  to XXXX XXXX in XX/XX/XXXX. The last payment on this mortgage was made XX/XX/XXXX and was charged off by XXXX. However, XXXX XXXX is showing a new 90 days late payment in XX/XX/XXXX on my Equifax credit report. I should not show a new late payment just because the balance was transferred to a new servicer. I have disputed this error directly with XXXX and Equifax and have received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Army and Air Force Exchange Service
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened this credit card with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I used and then paid off the entire card and closed it within a year of opening it. In XX/XX/XXXX I requested the account be closed as it had been paid in full. The customer service individual who I spoke to assured me that the account was closed. I then found out there there had been a running balance since XX/XX/XXXX of {$1.00} that the interest builds up to. Again, this account in all intensive purposes was closed in XX/XX/XXXX yet I was still continuiously charged untill XX/XX/XXXX. The account is paid. The account is closed but because they never closed the account in XX/XX/XXXX upon request there is a slow payback report on my credit report which is negatively impacting 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 2021-02-27
Company: Diverse Funding Associates LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-02-27
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
My creditor Chase has reported 1 late payment on both of my active credit cards with the company. I was told that I missed a payment in XX/XX/XXXX even though my credit report says both payments were missed in XX/XX/XXXX. I have sent letters to the company asking for forgiveness of the late/missed payment and I have called multiple times and have gotten rude responses and people who did not want to help. Both late payments were reported in XX/XX/XXXX. 

I also informed them that I was affected by XXXX XXXX, and they still reported the payments to the bureaus as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a formal complaint for XXXX XXXX XXXX falsely reporting my account to collections to the credit bureaus for debt that I do not owe. 
Attached to this complaint, you will find a copy of our original payment arrangement agreement, as well as proof of payments. In XX/XX/XXXX, I was not billed even though Midland had me set up on automatic payments to be withdrawn on the XX/XX/XXXX of each month. Midland sent me account to collections in the amount of {$730.00} when I only owe {$180.00} left on this account. It is clearly stated in our attached written agreement that if this payment contract is broken, that I would be sent to collections for the original balance, MINUS the payments made, yet they sent my entire account to collections. 
I called Midland on XX/XX/XXXX at XXXX PST and spoke to XXXX XXXX . XXXX was very rude and stated it is not his responsibility nor Midland 's responsibility to follow up with me regarding missed payments. I reminded him repeatedly that I am on an automatic payment plan, and he stated that since I missed a payment, I now owe the full {$730.00}, which is factually wrong, according to the disclosure printed on our payment arrangement. 
This account needs to be removed from collections since XXXX is falsely reporting me for debt that I do not owe. My three payments of {$180.00} and one payment of {$100.00} are not being recognized, so this account needs to be removed from collections immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-02-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a savings account that has been freezed by the bank because there has been no activity for 12 months. I have been trying to transfer money from my checking account, but are not allowed. 
Meanwhile, they are taking away {$5.00} monthly. I have contacted them via email and no response. I visited 2 days ago and they were supposed to give me access to my account yesterday, and I still have no access today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
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:
In XXXX, XXXX XXXX provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted XXXX XXXX on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XXXX ) be removed from my credit report. Despite these attempts, a negative report still exists on my Equifax credit summary. Please have this delinquency expeditiously removed from my Equifax credit report. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Experian Information Solutions 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:
On XX/XX/2018 Experian listed a new debt collector on my credit report. This debt collector is XXXX XXXX, account no. XXXX for the amount {$710.00}. I disputed this debt with Experian and they deleted it on XX/XX/2018. The first debt buyer was called XXXX XXXX at the time of removal. After I had the account removed they sold it to XXXX XXXX. I filed an Identity Theft Report with both XXXX and XXXX to block XXXX from reporting this fraudulent account on my credit reports. I have an extended fraud alert and locked credit reports. I have been a victim of identity theft and want the account removed. I have enclosed with this complaint to Experian, copies of my Identy Theft Report, FCRA 605B, Proof of Identity and, Experian Credit 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 non-monetary relief
Consumer complaint received 2018-07-05
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've called cable vision around XX/XX/XXXX or XX/XX/XXXX during the week, to fix my slow internet issue. I settled an appointment for a saturday, which I thought was kind of odd to wait even longer to have the problem solved, since I've been paying the right amount of money for the none provided internet speed. 

I remember speaking to my husband about the cable mechanic guy who never arrived that saturday to my home. 

I called once again on XX/XX/XXXX to dispute the charged of {$80.00} dollars to my account, for a service they didn't provide to fixed that problem. 
I tried to reason with many members of cable vision to waive the fee, but they only said : " we have three phone numbers associated with the account, and called leaving a voice mail, the cable guy knock at the door and noone was home. '' Well, firstable I only have one cell phone number associated with optimun, which have no voice mail from optimum, also checked my online cell phone bill, to make sure of the existence of this voice mail. 
ooops ... nothing there ither.!!! 
second thing is I'm the one who's badly needed the problem to be solved in the first place, why wouldn't I opened the door.? 
And most importantly why they are charging me for.? 

And just like that they've lost a customer for a dishonest service operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per 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 2017-08-01
Company: Experian Information Solutions 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:
XX/XX/XXXX- Emergency Room visit.
XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''

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 2021-02-27
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the summer of 2020, I XXXX XXXX called my mortgage servicing company XXXX to request a Covid Forbearance. In talking to the representative I was not offered a Covid Forbearance, instead the representative transferred my call to a 3rd party debt consolidation company. A few days later I received a package from the outside vendor. I want a 12 month Covid Forbearance as I and my husband have been negatively impacted financially due to Covid and are suffering.

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 explanation
Consumer complaint received 2021-02-27
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: Account information incorrect

Complaint:
XXXX XXXX is reporting on my credit inaccurate information. They are reporting my balance is {$23000.00}, when in fact my balance is {$22000.00}. They are also reporting I have two missed/late payments, this is inaccurate and the dates are XX/XX/2019 and XX/XX/2019. 

I have sent letters to the company and disputed the information numerous times.

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 2018-02-20
Company: EQUIFAX, 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 am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought a home in XXXX with a XX/XX/XXXX loan with $ XXXX down, gor behind been trying to modify since XXXX now they started a foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
On XX/XX/2019 I certified mailed a formal dispute letter to LexisNexis Consumer Center, to which they signed for on XX/XX/2019. 

LexisNexis violated Federal law per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) by not responding back within 30-days. 

LexisNexis failed to respond within 30 days by not providing their Method of Verification, copies of any documentation bearing my signature of the accuracy, compliance and reportability of their listing which they maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I will never have a home mortgage with this bunch of crooks ever again. They screwed up my loan in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

I pay my mortgage every two weeks and when I paid on XX/XX/XXXX for some odd reason Wells Fargo applied all but {$.00} to principal and {$.00} went to interest. The auto draft occurred mid XX/XX/XXXX and for some odd reason it turned off and didnt draft on XX/XX/XXXX as it should have. I received a call from collections on XX/XX/XXXX wanting to know why I havent paid my mortgage.

It took these financial geniuses from the end of XX/XX/XXXX until the end of XX/XX/XXXX to realize they made a mistake. I was also charged late fees. I once again call XXXX XXXX. In the presidents officelast Thursday and all I hear is that an investigation will be opened. And It will be resolved in 24-48 hours. Guess what? Tuesday XX/XX/XXXX comes around no 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 monetary relief