BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-13
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Provide Equifax with a statement provided from the Ftc stating they must block items on my credit report stating they must block the items that are fraudulent. Last chance. This time I do intend to sue for defamation or character and knowingly reporting false information. Will not tolerate blatantly being disrespected by Equifax. Will not contact you because there will be no proof of call. Block information or I will sue no more games Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
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 fraud alerts or security freezes

Complaint:
My identity was stolen and I immediately placed fraud alerts on my credit. After days of spending hours on the phone each day, I decided to do a freeze in hopes this may slow down the fraudulent applications and lesson the serious burden on my time. XXXX accepted the freeze but only until XX/XX/XXXX. XXXX XXXX denied the freeze because I already had an alert but charged me and sent a confirmation the freeze was placed. Experian wont accept the request and instead wants me to package up highly sensitive personal information and mail it to them, which is highly risky and frankly idiotic. Its irresponsible and reckless for them to require this.

So all 3 bureaus have turned what should be simple for the consumer to request into a circus of incompetence!

I did nothing wrong, yet all the burden has fallen on me. The bureaus should be required by regulation to make this process seamless, secure and supportive to the consumer. Experian offers zero phone support. I tried working through their IVR for an hour and all you can get us a recorded message. This is not acceptable! I am trying to protect myself, which also protects creditors and the health of our financial community. It should not be so difficult, burdensome, and financially draining! All I want is my Credit frozen!! Why wont someone help 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 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and credit inquiries are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Loans, XX/XX/2019 and XXXX XXXX XXXX, XXXX. The accounts and credit inquiries are fraudulent. I filed a police report with the XXXX XXXX Police Department. The XXXX XXXX Police Report Case NumbeXXXX : XXXX. The investigating officer is XXXX XXXX of the XXXX XXXX Police Department. The creditors listed above can call XXXX XXXX XXXX at : XXXX. XXXX XXXX is investigating the fraudulent accounts and credit inquiries.

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 2019-10-13
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:
The following collection account and credit inquiry is fraudulent and isnt my account or credit inquiry : Equifax Mortgage Services, XX/XX/XXXX and XXXX XXXX XXXX, {$200.00}, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On X/XX/18 there was a Walmart credit card opened with my stolen identity and I found out by XXXX XXXX saying I had a hard inquiry on my credit report. I called and spoke to a representative about closing this fraudulent account and they said I should get a letter in the mail within 30 days, and it could take 30-60 days for the card to be shut down and removed. I feel there should be more protective measures to make it harder for someone to open a credit card especially when I have shopped online they should have matched up my info and sent me an email or alert through the Walmart app.

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 2017-12-18
Company: Weinman Acquisition Group
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voicemail from XXXX XXXX The person stated her name is XXXX XXXX with XXXX XXXX XXXX. She said she received a complaint in her office and she will be filing here in XXXX County, Illinois, but the case was reviewed and before filing, I must contact her at XXXX to address the proceedings sign off on the documentation. My father received a phone call from the same person, trying to locate me on XX/XX/2017. 

I received a voicemail from XXXX XX/XX/XXXX. The person stated her name is XXXX, and my account is on hold. She stated that if no contact is made she will be forced to forward the documents to my home, and to contact her at XXXX. 

I received a voicemail from XXXX X/XX/2017. The person stated her name is XXXX XXXX, and that she is a process server in XXXX County, Illinois. She stated that she will be serving legal documents to my home or place of employment if I do not respond and sign the documents. She stated that my refusal or inability to sign the documents will be considered a missed court date and the legal process will continue without me. She stated I am to call XXXX to address the proceedings and schedule a time to sign the documents. 

I believe these incidents are illegal, and all the same people/person that has been harassing me. I do not have any accounts in collections that I 've found during credit checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I don't have a written contract with the company ( I C SYSTEM ), nor have I in the past. Therefore, I don't owe this company anything.

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 2019-01-20
Company: AVANTE
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 status incorrect

Complaint:
On XX/XX/XXXX I received a letter from Avante USA stating I owed a debt with the letter head date of XX/XX/XXXX. On XX/XX/XXXX Avante added a negative report on my credit report between the dates of XXXX XXXX XX/XX/XXXX. I had thirty days to dispute the validity of this debt and the thirty days are not up. Avante reported the account as open on XX/XX/XXXX on my credit report and I never opened an account with them or made payment arrangements with them. If I did owe the debt Avante is illegally re-againg a debt. On XX/XX/XXXX it would be seven years as the paperwork says service date was XX/XX/XXXX and Avante is trying to re-age the debt. The original creditor is not on my credit report as I can see.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen put me on forced placed escrow, {$1100.00}, in XX/XX/2017. I completed the agreement with no late payment, with payment in full for an entire year, so my mortgage was supposed to go back to {$620.00}! XXXX payment was {$800.00} because the agent said there was some sort of " negative balance '' I still owed and once I paid that, which ironically was the final payment towards said " negative balance '', call back in a couple of weeks to make sure the process was completed. I called back, mid XXXX, to inquire. I was told there had to be some sort of evaluation to see if it would be accepted. I stated that I completed my end of the deal so my mortgage should be regular. Also, as a note included on my account was, my mortgage would continue to increase if I didnt take advantage of a refinance option with them. I would rather die than continue any relationship with this company. I spoke with an agent today who stated, all I had to do was submit a written request to be taken off of the forced placed escrow, and it SHOULD go back to normal, once I submit the {$470.00} that I owed for some other " negative balance '' that I had absolutely no knowledge of. I am currently paying {$800.00}, after a deduction, and a review of my account from mid XXXX inquiry!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Capio Partners, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was seen at XXXX Hospital in XXXX UT on XXXX XX/XX/XXXX. I had just gotten out of prison in XXXX and had no insurance. I acquired a bill of {$6000.00}. I had just started working and was only able to make minimal payments. I made my payments directly to the hospital. On XX/XX/XXXX I received a bill from XXXX for the balance due on the hospital bill. Their claim was " XXXX, XXXX is a company that is managing your account for the healthcare provider. '' At that time or shortly after ( I don't know where to find the exact date because it has changed hands again XXXX XXXX turned my account in as a collection. I have not missed one payment. I disputed the fact that no one had to collect from me. I was making monthly payments. My dispute was not validated. In XX/XX/XXXX, I received a NOTICE OF DEBT dated XXXX XXXX stating the above account, owed to XXXX Hospital is past due. Capio Partners has been contracted to collect the outstanding balance. Payments and questions should be directed to Capio Partners to insure proper credit. At that time I could no longer use the XXXX Hospital online bill pay ( it was blocked ) and I had to begin making my payments to Capio Partners and I had to pay almost double to keep the account current. I have auto payments set up again and have not missed one payment. When Capio Partners took over the debt from XXXX a new collection was reported to the Credit Reporting agencies with an adverse mark again. The only adverse mark I have on my Credit Report comes from this hospital bill and I have voluntarily made my payments, yet it continues to be a bad mark on my Credit Report and it should never have gone to collections. XXXX called themselves managers for the healthcare provider yet turned my account in to credit-reporting agencies and Capio 's NOTICE OF DEBT states " Please be advised that we may report the failure to pay the account to credit-reporting agencies. '' I have not failed to make payments on this account, yet it reflects as a collection against my credit report. Both the attending doctor and the Laboratory cut their bill significantly due to no insurance and voluntary payments being made. Once I paid them off, I started paying the hospital more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: NY
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 EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Transworld Systems is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Transworld Systems with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Transworld Systems. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Transworld Systems. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a CITI card. They stated that THEY WOULD NOT PERFORM A HARD CREDIT CHECK it would be soft, looked at my credit report today XX/XX/18 and it had already shown up that XXXX had performed a hard credit check. I want it removed from my credit report as I DID NOT AUTHORIZE THIS!

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 2019-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pre-approval offer sent in mail. Applied, no decision was given and application was put into a pending status. No decision received at any point. More than 30 days have passed. Hard inquiry placed on credit report, no account opened and no XXXX received. Capital one improperly accessed my credit report without providing a decision as well as sending me repeated ( i have received since the application including this week ) additional pre-approval offers even though they have not even given me a decision from when i applied from the first preapproval

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Capital One is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Paypal Holdings, Inc
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/19 PayPal didnt do anything Fraud for {$230.00} Of someone in a different country. 
There was no option to stop payment quickly or cancel transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
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: Information belongs to someone else

Complaint:
I submitted a request to investigate and remove credit inquiries on my Equifax Creit Report that I didn't authorize. Equifax sent me a written response stating that credit inquiries are a factual record and must remain on my credit file for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
there are some inaccuracies on my credit report, I sent Transunion, XXXX and XXXX verification letter for the accounts in question on XX/XX/2019 via certified mail. Within the letters I needed a copies of verifiable proof that in fact the accounts were mine. After about 27 Days I got letters back saying all the accounts were verified and did not give me any documentation to prove their findings

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 2019-10-13
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My problem is with Freedom Mortgage Co. XXXX XXXX XXXX,. XXXX, Ind. XXXX I have sent additional monies to be used for principle only but they always apply the payments as regular payments with most of the money going to interest. Many phone calls and I never got satisfactory results. I was told I had to send my money to another address but the results were the same. Finally after getting very rude and ugly, I got one lady that helped me. There was approx. {$4800.00} and six payment over a two year period. One payment of {$600.00}, check # XXXX written on XX/XX/2017 was not reversed and applied to principle as should have been. I was told they could not change a payment that far back because there was a Federal Law that prohibited them from making a change to an account with a payment that far back. Many phone calls to Freedom mortgage and I could not get any satisfaction. These people are dishonest. I followed their guidance of writing for principle only on my check and even highlighted it but they always applied the extra money to interest. Can you 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 2018-01-24
Company: EQUIFAX, INC.
State: GA
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 complaint is against Equifax Credit Reporting Agency. Fraudulent transactions appeared on all three major Credit Reports. It is not mine so I wrote to all three companies and asked for removal. They all 'claimed ' to have investigated my request. Both XXXX and XXXX removed it as, " not able to verify account. '' Equifax said they verified it was mine. I wrote Equifax and asked how they investigated these fraudulent accounts and what proof they collected since no one had proof of the account. They never responded or provided proof. Ive been disputing for almost 6 months. I requested this information from Equifax a total of four times. So I wrote a letters to the collection agencies and asked what proof they had. They also had no proof. They sent a print out saying the name of the original company ( no address, nor phone, no email, no servicing address, no list of services, no explanation, no bills, no copy of contracts - nothing ) and a date. Since I still had no proof of a debt, I already knew they werent mine, At this point since they cant provide proof I request immediate deletion. Equifax has claimed to open several new reinvestigations yet nothing has been done. Equifax has not followed the laws in accordance with the FCRA.

Company response to consumer: Closed with explanation