BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-08
Company: EQUIFAX, 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:
XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX, 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 2021-10-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NELNET XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my auto loan in XXXX, received my title in XXXX. My car was in an accident before paying off my loan. They have been holding my insurance money for 4 months and keep saying they are going to send it within 5 days but have not done so. Meanwhile my car is not being fixed. It is my money, I owe this company nothing, but yet they are not sending me my money. I have called numerous occasions and still they have not sent it. The company is TD Auto out of South Carolina and home office is in XXXX. It is not fair to a US citizen to go through these behaviors from a company outside of the US!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a dispute through Transunion for a supposed medical debt that I owed on XX/XX/2019. It is now XX/XX/XXXX with no resolution. The credit bureau has 30 days to determine if the disputed information is correct or incorrect. If it isn't resolved within those 30 days, the creditor must delete it. I called Transunion and the representative told me that this department handling my dispute wasn't open and that she couldn't access my file. I would like this removed from my credit report due to the fact that it has been over 30 days with no response. 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 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On XX/XX/ Capital One credit card reported to XXXX that I was 30 days past due for {$15.00}. My credit score dropped 43 points 7 days before closing on my house. My statement closing date is the XXXX of each month and I have autopay. Reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: PA
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/2020 I sent a letter to XXXX, Equifax, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XXXX/XXXX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I opened a Truist checking account. The account number is XXXX. 

On XX/XX/2022, Truist sent me a mail saying that all of my accounts have been closed for fraud prevention. I received the mail only on XX/XX/2022 when my paycheck had been scheduled to deposit into my account. 

I don't have any fraudulent activity in any of my accounts. Moreover, because they close my account, I can not withdrawl the money {$550.00} in my account. And They refused to mail me a check.

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 2019-10-19
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote several letter to this company about multiple medical accounts. I have not received any information from this company complaining to the letter that was sent. I asked them to verify that the debt belongs to me. I also explained to them it is against the HIPPA to share my medical records with anyone. It is also against the law to sell or share medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for a new XXXX XXXX XXXX at the recommendation of the person in the bank branch. They told me about the great bonus rewards being offered if I spent at least {$7500.00} on the card in the first three months. Ive banked at Citi for many years and the branch is very familiar with me so I assumed they were telling me the truth. He told me the bonus more than offset the high annual fee. I signed up and spent the money on the card. When the bonus didnt show up in my account I called and was told I wasnt eligible because another card I had opened five years prior earned the same type of points, even though the card was discontinued and I dont have it anymore. So even though I paid the annual fee and spent the money on the card they wont give me the XXXX Citi points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter yesterday from XXXX XXXX stating that they were canceling my Homeowners policy due to a lack of payment. Freedom Mortgage purchased my mortgage from the previous administrator including processing of the escrow account. 

During the trasfer process I received multiple assurances that everything would transfer over and take no action on my part. They have collected my escrow payment every month and I am make every payment in full and on time. 

When I called I was put on hold repeatedly and bounced from representative to representative before being connected to a XXXX XXXX in the insurance department She refused to provide her full name. She repeatedly mentioned some other insurance company that I have never heard of and how I could pay that policy instead. Eventually I convinced her to reach out to XXXX, she still repeatedly mentioned this other company and how I could overnight pay them from the escrow or pay them out of my own pocket. I feel like they were pressuring me to take on their own affiliated product. I was told that now my policy with XXXX had been cancelled. 

Now I dont even know if I have a valid homeowners insurance policy or if they have just taken my money.

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 2019-04-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
DISCUSSED AND TREATED TO HAVE ANOTHER BANK IN MY NAME AND TOLD ME THAT I HAVE AN ACCOUNT WITH THESE BANKS THAT ARE REPORTING TO ME WHICH I DO BUT IT IS NOT SO I DO NOT HAVE NOR EARNED IN THE PAST WITH THIS BANK SOMEONE ELSE USED MY PERSONAL INFORMATION TO MAKE ACCOUNTS ON MY NAME ...

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 2019-04-08
Company: EQUIFAX, INC.
State: TN
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 very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: ALLY FINANCIAL INC.
State: NJ
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:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 6 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

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 2017-09-05
Company: Omega RMS, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Omega was sent an account for collections from XXXX XXXX for {$200.00} which was fraud. I wrote a letter to XXXX XXXX on XX/XX/17 stating they no longer have athz to withdrawal from my account. That same day they tried to withdrawal {$200.00} ( 2 weeks worth of services for the future ). Omega sent me statements which i explained to them if they look that there was a weekly payment XX/XX/17 that cleared around {$100.00} for that week of services. I took the copy of the letter to the bank when they charged my account. My bank saw it as fraud and returned the payment as NSF, which now Omega has been hired to collect. Omega has also sent me 5 other peoples personal debt information, balance, account numbers with omega, which i have proof of. They have also reported to my credit report instead of disputing this. on XX/XX/17 I requested a no cease and desist and they would not honor a verbal c & d. I do have the recording from the conversation with the rep at Omega. Will be also filling AG and CFBP complaint on XXXX XXXX. I was contacted by XXXX and also the state that was doing an investigation against XXXX XXXX so they did not uphold their end of the contract of care they would provide for my daughter, but want the 2 week notice amount and tried to with drawl the amount when they were told they do n't have athz from my account. All Omega did is get a validation of debt, however I have disputed the way the charge came to place and I did not recieve the services. Then for the rep to say she will not honor a verbal cease and Desist. I do still have mail that Omega RMS sent to me with 5 other peoples letters, that have their account numbers, balances owed and also personal information. I know this is against regulations also. The company is well aware of this as I have informed a supervisor that I have them. I still have a copy of the letter that was given to creative kids and was shown to the bank and reason why they reversed the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I have a bunch of hard inquiries on my credit report that should not be on my credit report because I did n't authorize them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Complaint is against Midland Credit Management Inc. Original Creditor XXXX XXXX This debt is 10  years old. I had disagreed with amt reported when I was originally contacted by mail by Midland Credit. They had reported this on my credit for years and I was under the impression this dropped off have n't heard from them in years- Home phone number was the only number provided and They stopped calling and mailing anything some time ago. <P/>XX/XX/XXXX XXXX XXXX I get a strange call on my cell, the person was male and very hard to understand he refused to identify the company her was calling from and transferred me. The Next person who gets on the line also very difficult to understand and initially also would tell me who he was calling from- when he did he immediately started yelling at me- most of which I could n't understand- when I figured out it was midland, I point blank told him the debt was over 6 years old I was n't paying it and did n't agree with it. I told them not to call me again they were violating my state law. On XX/XX/XXXX I received an offer from them dated XX/XX/XXXX trying to get me to pay XXXX. I filed it away. I was laid off in XX/XX/XXXX and in XX/XX/XXXX I was made and offer of employment and It required a back ground check- and low and behold is a listing under civil Claim stating a JUDGEMENT supposedly from XX/XX/XXXX. I was never served papers for this, AND I have refinanced my home twice and have changed jobs ( which all require a background and credit check ) where this was not listed. The Credit report also staes an amount double of what Midland is offering me to pay- which I ca n't imagine happening IF they had a Judgement. Yesterday I received a notice from XXXX letting me know I had something reported to my credit that is a negative- it is MIDLAND. I think this is illegal and at this date now bogus and I do n't appreciate being threatened and then false info deliberately being reported on me. Particularly since this can effect my ability to get a job. This would have shown up and I would have been required to pay it had it not gotten too old- I do n't think it is legal to even put this back on based on age, original amount AND the fact there is no JUDGEMENT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04
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 submitted this complaint before but my aunt used my email. I believe there was some confusion. I am resubmitting it. This account does not belong to me. My XXXX XXXX ID XXXX. This accounts does not belong to me. My XXXX child   was born in XX/XX/XXXX and prior to that I was XXXX. 

1 ) XXXX XXXX  XXXX  XXXXt XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX {$0.00} Balance Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  REMOVE THESE FRAUDULENT ITEMS IMMEDIATELY PLEASE. Thank you.

Company response to consumer: Closed with explanation