BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-11
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: Investigation took more than 30 days

Complaint:
I sent investigation requests to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results by XX/XX/XXXX, but they have not.

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 2019-01-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent investigation requests to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results by XX/XX/XXXX, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$24000.00}, {$9600.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- CLOSED ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: United Revenue Corporation
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Again this XXXX XXXX XXXX has sent nothing other than a generic letter. They responded to your company saying it will be removed soon but nothing explaining when and this is past the statue of limitation. They are giving me the runaround. This is complete XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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 information incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting each inquiry listedas a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the 45 plus days that is typically allowed to check different lenders and find the best loan. These inquires are all of like kind and therefore should only be reporting as ( 1 ) line item. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report as only ( 1 ) inquiry. It is a violation of the Fair Credit Report Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: TN
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 and XXXX are reporting incorrectly that I am 120 day past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/2018 i sent {$300.00} to my friend ac through XXXX having a cell # XXXX with conf # XXXX XXXX XXXX my ac was debited but it was not credited in my friend ac till today. 
i got affidavite from my friend that till today he has not received credit in his ac at XXXX XXXX. 
bank of america said they send at the right place .they never call on given cell # that money was received or not .my friend became my best enemy and he disconnected my friendship and now i am facing lot of XXXX  XXXX and XXXX problem due to this .i need compassation also for that as many times i personnally contacted bofa in XXXX il branch and wested more than 10 hrs. three times.my cell # XXXX thanks

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 2018-11-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have spent many hours online following the directions to dispute inaccurate information on my Equifax credit report and on multiple occasions now when you get to the end and hit submit it tells you they're having problems identifying me and try ago later, or says you timed out, try again later, etc. There's always an excuse for them not to accept any disputes to their credit report, when in fact there are several. I never had any issue disputing discrepancies with XXXX, but Equifax makes it an impossibility

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The Petitioner Capital One Bank hired XXXX XXXX XXXX, XXXX and sued me for debt they claim I owe. I was NOT properly served ; therefore they were granted a summary judgment. I summited an Answer to complaint on XX/XX/2018 with Civil Court of The city of XXXX XXXX  XXXX County. 

In this Answer to complaint I specifically asked for the original wet ink promissory note for my inspection. They sent me copies of statements which isnt what I requested and its not PROOF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: IL
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 been trying to dispute this with XXXX XXXX and equifax but they wont allow me to dispute it anymore. I settled this account in full on XX/XX/20 with XXXX XXXX XXXX XXXX. There number is XXXX. Please update. Please see attached letter. I have been trying to dispute this but XXXX XXXX/equifax refuse to allow me to dispute again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Midwest Recovery Systems
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection just showed up on my credit report. I have never taken out a pay day loan. Date opened is unknown. The collection company is Midwest Recovery Systems. I have disputed on my credit report through XXXX. I do not have anything negative on my credit report until this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: EQUIFAX, INC.
State: IL
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:
I had an auto loan with XXXX XXXX XXXX for over a period of 1 year. in XX/XX/2017 my vehicle was stolen. My insurance company paid the car off at whicj it left a XXXX balance on the vehicle. I was told by this company that since i did not have gap coverage hat I could set up a payment plan with them until i purchased another vehicle and i could renegotiate the payment terms. I was told that! could pay {$100.00} per month to preserve my perfect payment history with them and at that time moving forward they would not put any past due or late payments on my credit reports. Well after i made my first {$100.00} payment, 30 days later I was marked with a 30 day late on my credit reports. I called and talked to several customer service reps to no avail. I was only told then that " why would I think that I could preserve a perfect payment history by only paying {$100.00} on a {$380.00} car note. I told them once more I dont even have the car it was stolen and never recovered and i just wanted to make some type of payment arrangements to pay this balance however I cant afford to pay {$380.00} and also a new car note too and I was told they couldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife XXXX XXXX has a Mortgage being serviced by Shellpoint Mortgage Service ( Acct. #  XXXX ) for XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, my name is XXXX XXXX. The mortgage was originally handled by XXXX  XXXX XXXX who transferred it to XXXX XXXX XXXX at the end of XX/XX/XXXX. We requested a Modification with XXXX but before they started they transferred it to Shellpoint. We then asked for a Modification with Shellpoint. We were being helped by the XXXX XXXX XXXX XXXX XXXX County to make sure everything was done right. Shellpoint told XXXX XXXX that we would have to be 1-2 months behind on mortgage payments ( 3 could cause foreclosure ) since we were never late once in the over 10 years of the Mortgage. Shellpoint dragged it on through multiple appraisals, redo of paperwork etc before finally deciding that since there was equity in the house there would be no modification. Shellpoint knew this from day 1 with the first appraisal but dragged it on. I recently asked the XXXX XXXX about the missed payments we were told to do but they said that companies due it verbally only. I e-mailed Shellpoint requesting to remove the late charges that accrued since we only did what they said. They replied NO including an e-mail ( 2nd request ) sent to their Mitigation Dept. on XX/XX/XXXX. Also, in XX/XX/XXXX we experienced Hurricane Irma. I called Shellpoint and was advised that you could miss 1-3 payments and that it would be added to the end of the loan. I advised Shellpoint that 1 month was enough. Again, more late charges. When asked about that I was told they had changed it but never told me. So, right now I pay 1 month behind but pay every month ( only missed 1 after Irma  ). More late charges and more refusal to help even though again we followed what Shellpoint said to do. I would like help with the late charges and continue to make our monthly payment ( {$1600.00} was {$1200.00} but it was a 10 year no interest Mortgage that increased when Shellpoint received it ) with no further problems. Shellpoint told me we need to pay the 1 payment thats behind and again the late charges stay and apply each month. We are on Social Security and if we could do that we wouldnt have asked for a Modification. Again, both times we followed Shellpoints instructions only to be rejected and penalized. Thank You XXXX XXXX ( husband of XXXX XXXX, Shellpoint has permission to deal with me since my wife is XX/XX/XXXX XXXX ). I can be reached at ( XXXX ) XXXX or e-mail 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 2018-11-22
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and learned that Waypoint is reporting on my credit file and it is a result of identity theft. Please remove this fraud account from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: LendingPoint Holdings LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
all my extra payments is going to the interest of the loan.. none of it is going to the principal..I made an extra payment on XX/XX/2019 of {$100.00} at the time my balance was roughly {$9000.00} ... since then I made 2 more extra payments one for {$43.00} and the other for {$44.00} which I thought it all was going to go to the principal and it didn't ... .it all went to interest ... my balance is still {$8900.00} ... I will never get this loan paid off this way

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my review of my credit report EOS CCA is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Mobiloans, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In XX/XX/2016 I was the victim of a data breach and someone opened accounts in my name with MobiLoans and XXXX XXXX XXXX. I have sent several letters to both companies and fraud affidavits with no luck. Mobiloans refuses to investigate even though a proper dispute was filed. They keep stating they need my dl, utility bill and a police report. As far as the Fair Credit Reporting Act I only need to provide a fraud affidavit which they have. Mobiloans says they will no longer correspond with me even though I sent a letter to dispute the debt on several occasions. 

Both of these companies are refusing to investigate or remove them from my credit report. ALso both of these companies are illegal to operate in the State of Texas. I have a letter from Mobiloans stating they will no longer address my correspondence as I have questioned the legality of their company.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and learned that XXXX is reporting on my credit file and it is a result of identity theft. Please remove this fraud account from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer stating that if I used my credit card on any 5 purchases that total {$100.00} from XX/XX/XXXX-XX/XX/XXXX, I would receive a {$10.00} bonus as a statement credit ( within 90 days after the end of the promotion ). 

I made 5 purchases from XX/XX/XXXX-XX/XX/XXXX totaling {$110.00}. 

I waited until XX/XX/XXXX ... .when I should have seen the credit, as XX/XX/XXXX was 90 days. Then I waited for a statement or 2 more ... .no credit. 

On XX/XX/XXXX I called the bank issuing the credit card and spoke to XXXX, describing the situation to him. He reviewed my account and agreed I should have gotten the {$10.00} credit. He said someone would call me back within 3 days. 

No one ever called and I still have not gotten the credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score. 

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit. 

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my XXXX XXXX account today. This has been going on a few months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
Navient solutions has never once actually sent me any loan deferrment paperwork and without any notice or further contact to actually send what they said they would and even email the paperwork for deferrment on payments, they have reported me to credit bureau for nonpayment Not once not twice but 4 times every month the last four months and have ruined my credit score. They have shown no support or follow through with anything they said they would either via paperwork mailed or sent via email and every month they have the audacity to keep reporting me for nonpayment of a wrong amount and interest on top of it all to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Help, Help, Help. 
Arvest Central Mortgage Co. promised me that the attached letter would be sent to all the Credit Bureau Companies. The following is a new complaint about XXXX Credit Bureau Company : The XXXX Credit Bureau Company insists on ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today on XX/XX/2021, that the XXXX Credit Bureau Company on XX/XX/2021 had lowered my score. The reason is that I have too many delinquent or derogatory accounts. I do not have any derogatory accounts ; I repeat, I do not have any delinquent accounts. No other Credit Bureau Company has lowered my score. In fact, they received a letter from the Mortgage Company " ARVEST, '' and they immediately updated their systems, and my accounts with them do not show any delinquency or Derogatory. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. XXXX Company must stop building its decisions on false information. The company has to change back my score and report to where they used to be. 

Now, Arvest must ensure that the XXXX Credit Bureau Company received the letter and updated their system concerning my information, score, and credit report.

Company response to consumer: Closed with explanation