BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  through XX/XX/2018, I contacted all three credit reporting agencies and requested a deletion of the Credit Card Company 's  account of delinquency. I thought one of the agencies removed/deleted the bad 'mark. ' However, the XXXX XXXX XXXX XXXX XXXX said it still remand. I had a sickness and a death in the family which prevented me from pursuing after I sent verification of my identification to the credit agencies. Please, read my concern and attachments. Thank you for your anticipated cooperation and I look forward in hearing from you. 

With Warm Regards, 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 2018-09-18
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After being approved for a credit card through BBVA for {$6000.00} i set up automatic payments through my credit union. 

A payment was scheduled to be paid on the XX/XX/XXXX. This payment was rejected. I then tried to pay the balance of the card on the XX/XX/XXXX and it was rejected again.

I had set up the automatic payments prior to the date necessary to have the payment made, and because the system did not make the payment for its own reasons, my credit limit was reduced from {$6000.00} to {$1000.00}. With an outstanding balance of {$800.00} the usage of the card went from 6 % to over 90 %, affecting my credit rating. 

Since calling BBVA 4 times now and being put on hold for 45 min plus, I have had no assistance in getting the account paid and still not been able to bring the account up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit reporting agency Experian has incorrectly reported an account from XXXX as a charged-off status. I have never authorized goods and services from this company, and it still shows up on my credit report. After disputing this charge several times, Experian refuses to verify the validity of this charge from the company against the FCcoRA law. This has resulted in decreasing my credit by scoring 150 points for no reason. 

The two other reporting agencies have made corrections due to the XXXX not verifying. Experian needs to follow suit. 

This is report # 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 2020-05-04
Company: Rent Recovery Solutions
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello - After living approx. for 3 years in an apartment community ( XXXX XXXX ) in XXXX XXXX, Texas, me and my family had to move out in XX/XX/XXXX due to a change in work location by Employer. 

And then after 4 years, around XX/XX/XXXX, i came to know through an automated alert from XXXX XXXX that a new account for {$170.00} has been reported to my XXXX  Credit Report by Debt Collection Agency ( Rent Recovery Solutions ). 

I was never made aware of this balance. 

I paid all my dues while i was leaving the community and also told them to let me know in case there are any. 

I also put my forwarding address and called community office couple of times in XXXX to check if there are any dues but they said there is nothing. 

And then suddenly out of the blue in XXXX ( after 4 years ), i see this alert in XXXX XXXX which is affecting my credit history and mentally disturbing for me and my family and is adversely affecting my personal and family health. 

I called Rent Recovery Solutions and XXXX XXXX   couple of times few weeks back to check what is this balance about and why i was not made aware of it in XXXX but i have not yet received any details. 

I dont have any email ID for Rent Recovery Solutions but i do have for XXXX XXXX so i also documented my concerns in an email to them which i will attach to this complaint as well. 

Request CFPB to help me out to resolve this and get this removed from my Credit History.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have recived a bill from capital one saying I owe XXXX $ From a credit card I never own. Now a bill collector send me a letter saying that they sold the acct to them. I talked to a representative one time and told her it wasent me. We end up arguing and the representative told me If I cant keep my spending under control and if im not going to pay why get a credit card? Now they calling family members ebery other day asking for the payment and harrasing my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: MONEY SOURCE, INC., THE
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX, Attorney. My Law Firm is handling the short sale on the property XXXX XXXX XXXX XXXX with the loan servicer, The Money Source and have submitted all of the necessary paperwork as well as an Authorization on XX/XX/XXXX. 

We began what is usually a 60-90 day process on XX/XX/XXXX. We had to work through several workouts with judgment creditors, and we had value issues. However, we finally resolved all of these issues and met all requirements of the VA and The Money Source regarding the short sale on XX/XX/XXXX. The Money Source should have issued a Short Sale Approval immediately thereafter. 

However, on XX/XX/XXXX we were informed that before issuing a Short Sale Approval, The Money Source would need a " Potential Successor in Interest '' form. We explained that that was not needed in this case because XXXX XXXX XXXX ( the Husband ) is the sole owner of the property as his wife, XXXX XXXX XXXX, died on XX/XX/XXXX. Title to the property was held as Husband and Wife ( also known as Tenants by the Entirety ). Therefore, on XX/XX/XXXX, XXXX XXXX XXXX immediately became the sole owner of the property and there is no Successor in Interest and no need for such a form. We indicated that we would certainly review the document and have Mr. XXXX sign it, if it was appropriate. We have never received the document. Mr. XXXX has never received the document. Mr. XXXX 's daughter and POA, XXXX XXXX XXXX XXXX, has not received the document. 

The complete short sale package submitted on XX/XX/XXXX included the death certificate of XXXX XXXX XXXX. 

For the past 6 weeks, the parties to the transaction have been held up by The Money Source over an issue that does not exist. They have never sent the Possessor in Interest Form that they said they could only mail to the husband. They are now wanting instead to change the owner of the property to the Estate of XXXX XXXX XXXX. As explained above, that is incorrect and inappropriate. 

After many phone calls over the past 6 weeks, we are about to lose the transaction because The Money Source does not understand the basic issue of Tennants by the Entireties and is requiring something that is not just unnecessary but incorrect by the laws and statutes of North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have encountered National Recovery on 3 occasions. On XXXX of XXXX, I received a call from a number that looked to be from XXXX County Courts. I was told by the court clerk that there has been suit filed against me and I needed to contact the the company for the court date. I called the number that she gave me and was told that I was contacted due to a pay day loan for XXXX XXXX XXXX. I was told that they were getting ready to take me to court and if I paid that day I would not have to court. I declined and told them they would need to take me to court. 

In XXXX of XXXX, while in the hospital. I received a call from National Recovery again stating that a law suit would be filed against me for check fraud on a pay day loan with XXXX XXXX XXXX. They again told me if I paid we would not have to go to court. I declined payment again and ended the call. 

Today XX/XX/XXXX I received a call stating that I had a delivery of court documents. The person told me that they had been an an old address of mine to serve me with documents and asked me if I would be home later this week. After ending the phone call I reeved a text message stating I could resolve pay day loan at their number. 

National Recovery seems to buy old debts, mostly pay day loans that are 7-10 years old and harass and threaten people with court if they don't settle the debt. I've have received these threatening calls 3 times and at this point I am fed up and would like them to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Got a VM from XXXX asking I call back, Phone : XXXX. I returned the call and found it was a debt collection agency. I was transferred to " the person handling the account '', so I left a VM. 

XX/XX/XXXX Having a lot of recent medical bills, I was concerned I might have missed a bill so called again, pushing the operator for information. He transferred to someone who did answer saying it was a XXXX account from XXXX, approx {$1800.00} dollars and how did I " want to take care of it ''. My reply was shock, and said your kidding the only XXXX account I had was like 15+ YEARS and YEARS ago, and more important was wiped during a Ch XXXX BK. 

After saying that, the rep hung up the call. I called again and asked for proof of debt, was again hung up on.

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 2021-09-13
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: Information belongs to someone else

Complaint:
fcra violations not mine : XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$370.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open.

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Collection account. {$120.00} past due as of XX/XX/XXXX. 



address not mine : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX family names not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: OH
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Western-Shamrock Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have a personal loan with XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Last month by the end of XX/XX/XXXX I spoke with the manager XXXX of this finance company because I was less than a week late on my payment. Due to am still making payment on my Mothers funeral home. My mom XXXX XXXX XX/XX/XXXX and I have n't finished making payments. I told the manager that due to personal issues I wanted to pay a payment arrangement the amount that I owe is around {$800.00}. and my payment is about {$98.00}. I said and I send them a letter stating that I will be sending payments every two weeks of {$24.00}. I was told that they were going to visit me at work, home and harassed my personal references and treat to send me to Court and Collections. I told them that if they could n't accept my payments and the only option was to send me to collections, well to go ahead and do so but then she retracted on what she said. Yesterday I got a visit to my house XX/XX/XXXX and they wanted to collect {$5.00}. cause I told them I had just send them a money order by mail. I started sending payments in money order since XX/XX/XXXX and I have given 3 payments so far but they are not accepting them. I already told them to stop going to my house but I am afraid they would n't stop, please help ... I am not hiding from my payment and I do n't want to be irresponsible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To : The Office of Registered Agent for National Credit Systems XXXX XXXX XXXX  XXXX  From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and the original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

I have the right to request this information due to the freedom of information act and equal opportunity act. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
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: Old information reappears or never goes away

Complaint:
On XX/XX/2018, I submitted to the CFPB a complaint about XXXX XXXX, XXXX ( XXXX ). They attempted to collect an invalid, not owed, debt from XXXX XXXX. In response to complaint ID No. : XXXX : XXXX responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. 

While XXXX XXXX was unaware of this complaint and its resolution, on XX/XX/2018, it again placed a negative item on my report that had just been removed earlier this year. And XXXX XXXX SHOULD HAVE THE ABILITY to identify recently removed reports and then query the creditor or its representative as to why this item is once again being reported - before placing the recently removed item BACK ON a clients report. 

In other words, XXXX XXXX should ask XXXX : You removed this item in XX/XX/XXXX. Why are you again placing this item on this individuals report in XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} **DUPLICATED INCORRECT** 15 USC 1681 Section 602 A States i have the right to privacy 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instruction This is wrong i have been trying and do not get a response or proof for the last 4 months, this is hurting me wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: Experian Information Solutions Inc.
State: DE
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 information that is reporting on my credit report regarding this loan is grossly inaccurate. I have attempted several times, in vain, to contact the company to have this information verified and if not, removed. Yet they continued to update the same information including inaccurate balances, false notifications of debit, and incorrect dates. XXXX XXXX was not even the original creditor of this loan and it appears they have the date they took over the loan listed and not the actual date. Hence so much confusion regarding the validation of the debit, balance, and payments. Once the vehicle was repossessed it was then sold and I was supposed to be notified of any balance which they never did. But moreso this was over 8 years ago and its still on my credit report and they refuse to remove it or provide validation of the debt they continue to say its valid without providing proof as the law demands. 

Since none of this has not been done I am asking the CFPB to investigate their deceptive business practices. This debt has remained on my credit report despite the numerous disputes far past the allotted timeframes. 

Sincerely XXXX 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 2019-04-25
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:
Equifax is reporting incorrectly that I am 90 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not aware of this company, I do not know the debt or what it actually is and why they are trying to collect from me. This company has 2 collections on my account witch is ridiculous I disputed last year and did not realize until now when I am trying to lease me apartment that the dispute was denied and they have now increased the collection and there are 2 collections on my credit for this witch really makes no sense. I have no communications of any company trying to contact me within the last decade ( 10 years ) regarding any funds or anything that I owe. Witch is much like the other collections on my account. I need this looked into as soon as possible because I will keep dispute every single year until these fraudulent collections are removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are several hard inquiries on my Experian report and they're inaccurate. I did not authorize these inquiries, and Experian refuses to remove the inquiries. I spoke with a representative on the phone named XXXX, and he hung up on 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 2021-09-02
Company: EQUIFAX, INC.
State: MD
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:
1-XXXX XXXX put me in a collection without my knowledge, but when I paid the just to avoid negative impact on my record I asked for it to be removed the first time they said in few weeks XXXX and it never was removed and today, XX/XX/2021 they tell me they will not remove it even it was paid in full. 

2-XXXX  and Equifax are not telling me any updates about fraud charges for hospitals that were no accurate, I have been in this dilemma for 4 years, every time is the same problem. 

3- My information was compromised according to the Equifax breach and there is information that shouldn't be on my record.

Company response to consumer: Closed with explanation