BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report recently, i observed my credit score went down because of a collection item from a third party debt collector EOS CCA for XXXX that didn't belong on my credit report. After this on today 's date i debt verification letter was mailed to them certified mail, with a complaint from the XXXX  to be filed at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: Was not notified of investigation status or results

Complaint:
Hi my name is XXXX XXXX. On XX/XX/, I sent a letter regarding inaccurate and unknown things on my credit report. To at the present time, over 30 days later, I actually have not received a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to investigate those items inside 30 days offers a purpose to without delay do away with those objects from my credit score record. Its been over 30 days so that they ought to be deleted directly. I demand that these debts be deleted at once or I will file for litigation due to the strain you have got triggered me. My facts became additionally impacted via the Equifax data breach and might have gotten into the fingers of the wrong man or woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent letter on XX/XX/2018 received response on XX/XX/2018. No validation waa obtained

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: BMW Financial Services NA, LLC
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

You were advised by me on ( XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : BMW Financial Services Account Number XXXX. 
Late Payment Inaccuracy Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove it from my credit reporting information! 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 


Please take notice that this letter dated XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, XXXX XXXX from the Office of the Chairman ever so kindly provided all of the information that shows the bank 's guilt to comply with the /fair /Credit Reporting Act ( FCRA ) which ( as XXXX XXXX so graciously supplied me ), " ... requires the bank furnish information which is considered true and accurate. '' As is reflected on bank statements for the only bank I ever received statement for ending in XXXX, the money for HELOC is taken out every month plus my several transfers in excess of hundreds of dollars but the bank not only closed my account ILLEGALLY bur on XX/XX/XXXX, I got another letter that my HELOC ( I did not know even the number due to no compliance with the laws governing banks ) that now citizens bank closed my HELOC which I infer is to spitefully and maliciously attempt to steal my house that I was never even a day late since I bought XXXX on XX/XX/XXXX except in XX/XX/XXXX when I withdrew all of my money from said bank due to some type of identity theft or an inside thief but spitefully did not protect my money when I learned that all the bank had to do was CONTACT ME to change account numbers. The reporting of late payments has caused my car insurance to be high and hundreds of dollars ( for over a year ) in outrageous interest rates all due to lies! I could be spiteful like whoever is maliciously going against every commonwealth law and jurisdiction overseeing banks when they shut down mu account and stole the money I left in the checking to keep it open for my deposit which I got despite the illegal closure of same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My property foreclosed, the was sold, the HELOC holder, SLS is still Asking me for money. When the house foreclosed, the loans was extinguished. SLS has placed it on my credit report, it is ruining my credit. SLS was offered to communicate with the primary lender at the time of foreclosure, but they refused.

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 2021-09-12
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was paid in full and is incorrect XX/XX/2018 XXXX XXXX  XXXX XXXX National Credit Systems {$2300.00} Accnt. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX and XXXX XXXX, / 2021 I have received multi-text from XXXX XXXX and XXXX XXXX XXXX who is Wells Fargo clients. They have given me a death threat to myself, my kids, and my family. They have threatened me that if I don't give them money they will kill my kids and my family. Please someone help me and catch those scammers.

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 2017-12-28
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions.

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely 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 2019-08-06
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal has placed a block on my account and denied my claim. When I requested resolution or requested that a Detective from the local police department contact them, they refused, stating that the two separate departments, that are handling my claims, are in separate divisions and that I would need to wait until it is resolved. I explained one department denied my claim. They denied my claim based upon false information because the other claim has not been completed as of yet. Nor are we even allowed to send in information. I requested a fax number. I was told they dont need any documentation. This is insanity. Basically the security and the fraud departments within Navy Federal do whatever they wish to do without any regard for the customer. They freeze. They block. They dont allow you access to any money you may have within your account and they purposely block you from seeing any balances or direct deposits and the security department refuses to even speak to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
About 2 months ago, I received a call from Chase informing me that a new card was ordered in my name and wanted to know if it was me. I told them it wasn't me. I thought it was the end of it. This morning, I saw a {$400.00} withdraw from Chase on my XXXX  XXXX XXXX account. When I called Chase, they informed me of a zillion  of charges on that card I didn't order. They said that they will consider those charges like fraud and therefore, I am not responsible for any of them. 
I am reaching out to you in order to report that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THIS IS I REGARDS TO PREVIOUS COMPLAINT # XXXX CFPB CLOSED THE COMPLAINT BUT WHY? IT IS NOT COMPLETE. STILL HAVE YET TO HEAR FROM TRANSUNION ABOUT THOSE 3 STUDENT LOAN ACCOUNTS. XXXX AND XXXX REMOVED ALL 3 ACCOUNTS YET THEIR STATUS ON HERE IS STILL SAYING " OPEN '' AND THEY BOTH SENT ME AN UPDATED COPY OF MY REPORT SHOWING THEY WERE ALL REMOVED BUT TRANSUNION HAVE YET TO SEND ME ANYTHING. THEY NEED TO GET THIS DONE I HAVE DISPUTED THIS 3 TIMES SINCE XX/XX/XXXX. XX/XX/XXXX WAS THE 2ND DISPUTE. NOW TRANSUNION IS SAYING XXXX XXXX HAS UNTIL XX/XX/XXXX LIKE CMON THIS HAS TAKEN WELL OVER 60 DAYS. THE ALLOTTED TIME. THIS COMPLAINT SHOULD STILL BE OPEN OR THE ACCOUNTS NEED REMOVED. I SENT THIS COMPLAINT IN XX/XX/XXXX THEY TRIED TO SAY THEY DIDNT UNDERSTAND IT. SO I DID IT AGAIN XX/XX/XXXX ON CFPB RECORD XXXX. YET YOU HAVE IT CLOSED BUT WHY??????

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: WA
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:
A public record of a bankruptcy discharged in XXXX was inaccurately reported across all three credit bureaus. I have disputed the information with all three bureaus for over a year. I finally got confirmation from the federal court that they do not verify bankruptcy information with the credit bureaus. The credit bureaus then told me after finally responding to the disputes that they use XXXX to verify public record information. I froze my XXXX account on XX/XX/XXXX. I then submitted a dispute of the bankruptcy information on XX/XX/XXXX to all three bureaus. XXXX did remove it from my credit report with them, but Experian and XXXX have not. Their response says they verified the information with XXXX, but they could not have because my account with them is frozen. 

XXXX has replied in writing how they receive their information about public records from XXXX, but Experian has failed to send me any response to my disputes in regard to the bankruptcy and how they verified the information. 

As seen in my attachments, the federal court attached to the bankruptcy provided written proof they do not verify bankruptcy information with the credit bureaus. XXXX confirmed they use XXXX to do so, and it is my understanding that is how Experian receives such information ; but they never responded to my request to prices written proof. Since my XXXX account was frozen by the time I submitted my dispute, XXXX nor Experian could have verified the information and by law must remove it as XXXX did.

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 2019-04-30
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have paid every dime needed to completely pay off our mortgage and the recording fee, however the lender, Nationstar d/b/a/ Mr. Cooper , is insisting that the payment must be made in one payment of {$1200.00}. 

We owed {$580.00} in principal on XX/XX/XXXX. We paid {$600.00} on the XX/XX/XXXX in order to pay off the principal and any residual interest. Once the principal was paid, it was our intention to request a payoff quote and send in the remaining amount due. However, when we checked our account online, the {$600.00} payment sat in an unapplied account and the {$580.00} principal was still outstanding. We called Mr. Cooper and their representative told us to send in another {$690.00} in a cashier 's check to complete the payoff. We did that. Nothing happened.

We called Mr. Cooper again and were told that since the {$600.00} was not payment in full, it has been returned and that the full amount due must be received by XX/XX/XXXX. It's 2 weeks later and we have received nothing. By the time we receive it, the {$690.00} will be returned!!!

We owe {$1200.00}. We paid {$1200.00}. Why isn't my mtge paid??? By the way, Mr. Cooper never notified us of any problem until we called about the unapplied funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: UT
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:
This account was not originally disputed, but it is no longer valid. It has been paid in full since XX/XX/XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has  been no resolution. 

I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: FL
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:
When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im responsible person and I dont like to see it on my credit report. Im sure that some person hacked my profile and get my personal information!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EOS Holdings, Inc.
State: OR
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:
In XXXX my husband and I moved to another country to do volunteer work. Before leaving we paid off XXXX for our cell phone bill, had our devices unlocked for use in the other country, and closed our account. 

During our time away we had no problems and since returning to the States in  XXXX we chose to use a different cellular phone provider which cost less money. We had never received a notice or phone call claiming any debt owed with XXXX or anyone claiming to represent XXXX ( as a debt collector ) related to a debt. We also have had no adverse action on our credit report from XXXX or any other agency claiming a debt owed to XXXX. 

In XXXX XXXX we suddenly had a claim of debt from a company called EOS/CCA who represent XXXX in debt collection. They did not contact us via mail or phone to inform us of this supposed debt, but instead just started reporting and thus adversely affecting my husband 's credit scores. 

I contacted EOS/CCA directly about this fraudulent reporting on my husband 's credit report. They tried to fool me into believing we had the burden of providing proof the debt did not belong to us. Knowing my rights I flatly denied the made up charge from XXXX and demanded proof from them. I have also lodged a complaint with the BBB against EOS CCA and XXXX. I further lodged a complaint with the FCC against XXXX who has continued to remain silent on the matter. 

EOS/CCA claims to have documentation ( not provided to us ) that we owe XXXX money for a period between XXXX XXXX and XXXX XXXX ; though as previously stated we closed our account in XXXX. Furthermore there is no action taken from XXXX or any other creditor on their behalf related to those dates or any earlier dates on our credit reports. 

So far, as I 've said, XXXX has remained silent. But on the EOS/CCA website they prominently display an award they received from XXXX for their " excellent recoveries of secondary tier placements and for ease of doing business '' due to their " positive return in all four markets ( West, Midwest, Northeast, and South ) for percentage of placements to percentage of collections. '' I have contacted a specific lawyer about the matter who has made it their aim to bring EOS/CCA to justice and have in fact successfully brought many cases against this firm to a positive outcome. However, to me, it would seem this is something which should be brought to public awareness because it appears either XXXX and/or EOS/CCA is playing a numbers game ( percentage of placements to percentage of collections ) at the expense of  innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a demand letter from Perdue Brandon Fielder Collins & Mott LLP dated XX/XX/XXXX. In XXXX I had an arrest with a restitution. Since that time I have been paying XXXX XXXX XXXX XXXX directly. 
The letter the " law firm '' threatened my arrest and or license suspension. Neither of which, according to the courthouse and my used to be probation officer, can happen. Not only claiming I owe them, they are also claiming I owe {$420.00} more than I owe.

Company response to consumer: Closed with explanation