BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-01
Company: Rent Recovery Solutions
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi, I am writing because I found out that i have a debt collector that is affecting my credit score. This debt is not mine, and the collector refuses to remove it from my husband 's and my credit score. What do i do? when we told the lady that is not ours and we wanted to negotiate to get rid off it she denied, and offered for us to pay about XXXX which is what the debt showed as early this year ... i just checked this again and it went up to almost XXXX! This debt used to showed as of year XX/XX/XXXX and i checked it again and they changed it to XXXX. We reside in XXXX and under the statue of limitations it says that they should get rid of this issue next year ( 5 yrs ), but they changed the date to XX/XX/XXXX! the debt collector is : Rent Recovery Solutions form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: AES/PHEAA
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not believe this loan belongs to me. My identity has been stolen and this information must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this complaint letter in reference of XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX XXXX falsely reported a fraudulent debt to a collection agency, Wakefield and Associates. XXXX XXXX XXXX XXXX failed to furnish the information as required by consumer law. XXXX XXXX   XXXX XXXX has FAILED to provide an itemized invoice, the original contract of payment, dates of service, and location of service. I have also filed a complaint with the State 's Attorney'sOffice for the states of Florida, Indiana, and Tennessee as XXXX XXXX XXXX XXXX has forwarded this fraudulent bill to Wakefield and Associates. Wakefield and Associates are also filed in my federal and state complaints. I demand that this fraudulent debt and negative credit reporting be removed from my credit report and all debts be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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:
These accounts do not belong to me, pleas block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: GA
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 # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

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 2020-05-03
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XXXX XXXX I removed {$500.00} by atm that had a fee of {$2.00} successfully and received my text alert.The next day ( XXXX ) it would not allow me to withdraw the same amount and my online account was locked and said to call customer service, over the next few days I spent over 10 hours waiting to speak to anyone and the phone was disconnected at 2-3 hours of waiting. I now demand closure of the account and the remaining some of {$690.00}, as of XX/XX/2020 be sent to my home address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My family is now basically homeless because of Chase and XXXX. The sale of our home and purchase of the new home was scheduled for a same day closing. Today we had to spend {$1200.00} to place all of our household into XXXX XXXX. I 'm hoping you can help light a fire for them to make this right. As of tomorrow my family will be living in our 5th wheel. 

We had a short sale with Chase dated XXXX/XXXX/XXXX. Chase incorrectly reported it as a foreclosure and updated the credit bureau to a short sale in XX/XX/XXXX. XXXX is pulling over that short sale from XX/XX/XXXX is now late in XX/XX/XXXX because of the update Chase did. XXXX reps just tell my lender we see the error, but at this time have no override code to fix. In the mean time we sold our home and now have no home to go to. XXXX has literally left my family with no home to go to because their underwriting system is incorrectly pulling the update of XX/XX/XXXX as if we had new lates. Common sense if the short sale was completed XXXX/XXXX/XXXX there is no way new lates could happen on the same account years later. I also have a letter from Chase confirming along with credit report. 

I 've been dealing with Chase executive office since XX/XX/XXXX and no one has been able to fix. Each person has said they are on it and never get back to us. Reps at XXXX are absolutely awful and the rudest most unprofessional people I 've ever spoken to. One of the ladies told me that they are aware of the issue, it will get fixed during a release and next out of her mouth in an irritated tone was anything else mam. They refuse to let you speak to a supervisor and refuse to escalate the issue. 

XXXX XXXX XXXX Chase Executive XXXX XXXX XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Experian Information Solutions Inc.
State: NY
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 have an account being reported that is not mine and the same account is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. How can it be verified when the bureaus are reporting different dates for the last activity and last payment?

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 2020-05-03
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Wells Fargo. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

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 2021-09-14
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: Information belongs to someone else

Complaint:
These accounts do not belong to me, pleas block and remove according to 15 USC 1681c-2.

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 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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've been a victim of identity theft which results in unknown items and information on my 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 explanation
Consumer complaint received 2021-03-07
Company: Credit Corp Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Credit Corp Solutions INC violated multiple laws under the Fair Debt Collection Practice Act. The first violation was 15 USC 1692c ( a ). They sent me mail which is very inconvenient to me. I didn't give Credit Corp consent to communicate with me through any mediums. That in fair is a violation. 

When Credit Corp communicated with me without my consent they stated in a letter multiple time that this debt was mine and that's a clear violation of 15 USC 1692b ( 2 ). They have no right to say that I owe a such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: AMERICAN EXPRESS COMPANY
State: NY
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 reported several times about Identity theft to AMEX, even through CFPB. 
Few month ago I was assured that AMEX is no longer reporting identity theft accounts and balances on my account and CRAs. 
Until now the information is still presented and reported constantly on my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ XXXX XXXX . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: CO
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:
There is a fraudulent charge on my credit from XXXX XXXX for XXXX $ line of credit opened in XXXX of 2012. I have just recently found out about it now that it is in collections. I have called XXXX XXXX and they will not work with me because my date of birth is incorrect I have contacted Experian and this is still on my credit, now with another {$1000.00} XXXX credit card, which I have also never owned still on my credit. Clearly my identity has been stolen and I need these items off my credit as they are not mine, opened by me, or with my permission.

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 2019-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it being late after the two months had passed. The first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to capital one for the purpose of obtaining a credit card, capital one has committed fraud with my personal information, I have sent capital one a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time capital one accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because capital one has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax refused to process the disputes that I initiated. They said they would not reinvestigate the disputes even though I asked a totally different question about a totally different aspect of the accounts. They also claim that my bankruptcy was verified by the courts. According to XXXX XXXX the Deputy Clerk In Charge of the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX, XXXX, OH " The US Bankruptcy Court does not report the information to the credit bureaus. '' The bureaus came back calling the info verified by the courts which is false. I demanded that these items all be removed due to not being verified as required under the law but the bureau refused. 

The company claims the information is accurate. They NEVER contacted the creditor listed ( the US Bankruptcy Court ) to get required verification and validation. I have again attached the letter FROM the US Bankruptcy Court showing that they do NOT report. If the bureau did what they just falsified in the response to you, there would have been no response and the item would be deleted due to being unverified by the original creditor. Instead, the bureau went to XXXX knows what other source to obtain information for them to deem verified - in DIRECT violation of the FCRA. I demand that this item be deleted and that any sanctions that the bureau has coming to them be imposed for not only failing to comply with a direct dispute but also in providing a false response and false accounting of the bureau 's actions to the CFPB. Thank you for your assistance in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: TX
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, Experian, and XXXX is wrongly reporting my XXXX XXXX Spark card balance. I do not carry a balance on this card.

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 2018-05-11
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
I had a credit card with Wells Fargo, in XX/XX/XXXX my wife was injured by a doctor causing to become XXXX in her XXXX XXXX. We were contacted by XXXX XXXX XXXX and signed up with them they scammed us till you guys came along ( THANK YOU BTW ). They told us not to pay creditor and to pay them, so we went into collections. That was in XX/XX/XXXX, we settled with XXXX XXXX for less then the amount owed, and were waiting until the other sent us any information. Apparently in XX/XX/XXXX the same year we settled Wells Fargo sent a IRS from 1099-C. I have disputed the account being open many times and my wife as well since she was just a authorized user and it was open before marriage this a few times with wells fargo and they keep reporting this monthly as an open debt. I have call them and they say they will do something about it and for two years now nothing. We are at our wits end with them. I am hoping you can do something about 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 2019-06-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XX/XX/XXXX asking mortgage company ( Bayview Loan Servicing ) to remove PMI. Finally in April, it was determined that we qualify. Bayview had home appraisal done on XX/XX/XXXX. On XX/XX/XXXX sent letter of denial to remove PMI as the valuation report indicates that our home value depreciated. In addition, Bayview conducted an analysis of escrow and taxes and increased our monthly payment by {$55.00}. 

To date we have not received a copy of the appraisal report. We requested report on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
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 have a loan with XXXX XXXX XXXX, PENTAGON, XXXX XXXX, XXXX XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and XXXX XXXX XXXX, PENTAGON FEDERAL CR UN, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2021-01-08
Company: EQUIFAX, INC.
State: LA
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:
Unverified Account Account Name : XXXX XXXX XXXX XXXX .Type : COLLECTION Date Opened XXXX Balance : { {$49.00} } and Unverified Account Name : XXXX XXXX XXXX COLLECTION Date Opened : XX/XX/2020 Balance : { {$100.00} } Please be advised I have requested validation over 30 days { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been penalized for paying off my debts. My credit score is terrible, and the mortgage lender is threatening to refuse my mortgage loan or not honor the rate set. The scoring system is deeply flawed. The credit score does not reward financial responsibility. My score always plummets immediately after I pay off my mortgage. I have no time to find or build a new home with a good credit score. 
I do not want to use credit cards, and the system requires that in order to have a good score. This encourages debt. It has nothing to do with credit worthiness. I have had XXXX mortgages, XXXX auto loans and several student loans. All have been paid on time and closed with no incidents. Nevertheless, I have a " fair '' credit score. They drop mortgage loans after a few years so that lenders do n't see the history. So, they penalize people who stay in the same house for a period of time. I would like for something to be done about this. It is wrong.

Company response to consumer: Closed with non-monetary relief