BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-10
Company: EQUIFAX, INC.
State: MO
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 send this credit bureau several letters and filed over several complaints that has been ignored over and again for several inquiries that are showing on my credit file that they maintain under my social security number. I even send my complaint certified with tracking number XXXX. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXXCal.XX/XX/XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 
1. XXXX XXXX -XX/XX/XXXX XXXX. XXXX XXXX-XX/XX/XXXX 3. XXXX XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX  -XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused. The inquiries are still reporting on my credit report even after sending a letter of complaint to the creditors regarding these inquiries and still the credit bureau refused to remove them after claiming these are a factual record of file access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: OK
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:
Experian XXXX  and XXXX have allowed XXXX XXXX XXXX to continue to report on my credit report inaccuracy information on my credit report and causing my score to go down for their mistakes of reporting correct information. Why do I have to suffer for their mistake. They have violated the fair credit reporting act and continue to do so. CFPB have also reported that they did and XXXX was in a settlement for this and use predatory practice. That they continue to do so! LIKE ADDING INTEREST TO A CLOSED CHARGE OFF ACCOUNT AND REPORTING IT EVERY MONTH!!! IT WAS AT LEAST 8 THINGS WRONG ON EACH CREDIT BUREAU.

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 2019-04-05
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It was a legitimate medical debt that was referred to a collection company ( after they never sent a single bill but that is another story ). 
Once we became aware of it, we paid the collector who sent a letter saying once the debt was paid in full it would be expunged from the credit reports. 
This was early XXXX. They have reported the debt over and over to at least 2 credit bureaus again, as of XX/XX/XXXX, a month after it was paid in full as not paid and they keep adding interest to the closed account. 
I have sent them numerous emails but they refuse to respond or take any calls. 

This is clearly a shakedown tactic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have been receiving repeated calls from First National Bank of Omaha, purportedly about an " XXXX Store Card '', which I do not have. I paid this account off in full years ago and cancelled the account, so I can not fathom what I might possibly owe them, or even why. This collection company repeatedly calls my work number -- two and three times a day, sometimes more. I have had to put my phone on silent because it disrupts my coworkers. When I checked the voicemail messages this company had left, I was astounded : 77 messages in about the period of two months. The number that the call came from is XXXX. I have no idea what this is about, but I want the calls to stop until I get this sorted out with the retailer.

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 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
US Department of Education- Loans were calculated incorrectly. Interest was added to my accounts because it appeared that I was not a XXXX student when in fact, I was. This was reported incorrectly. It dropped my credit score and started adding interest to my loans because of a mistake of the University.

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 2019-04-05
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have asked Tower Loans in XXXX, La. several times not to call anyone on my account they have called my family several times, called my job several times!! Ive told them Im having some financial issues do to helping out my sister that is having some medical issues! The employees at that branch are rude they hang up the phone on you etc. So after making arrangements with XXXX on the phone I made the payment online dated for XX/XX/2019. So today at my job they sent me a certified letter from an attorney stating that I had to pay {$480.00} or they would issue a judgment against me, so I set the payment up online. When I moved I called the office gave them my new address so there was no reason for them to send something to my place of employment!! Tower loans employees seem to think it is ok to share your information with others and talk to you like you are trash!! I have never in my life been treated like this, this company is unbelievable!!! Im in the same business I know the laws and what they do to customers is unacceptable, I hear my customers talk about how bad they are treated!! Something really needs to be done about this company especially the XXXX Branch in Louisiana!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have money in Escrow to pay our property taxes which were due at the end of XX/XX/XXXX. Today is XX/XX/XXXX, and they still have not been paid and have already accrued two months of late fees.

Our lender did not ever contact us to know that the bill was due and had never been paid. We did not know until we were contacted by our builder that our taxes had not been paid. We have called and sent letters to our lender from our builder, but nothing has been done.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
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: Information belongs to someone else

Complaint:
I am trying to buy a house so I recently checked my credit report and I saw a couple of accounts that were fraudulent and not opened by me. This is hindering me from buying my first home. Below I have listed below the account information and amounts of each fraudulent account as well as the inquiries. 

Account # -XXXX XXXX XXXX XXXX XXXX Date Open- XX/XX/2018 Amount- {$44.00} Account # -XXXX Date Open-XXXX Amount- {$5000.00} Inquiry- XXXX XXXX, XXXX, XXXX, XXXX, and 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 2019-04-05
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$570.00} in an ATM inside a branch of TD Bank. The machine gave an error and returned the card. The money is not available on my account and has not been returned to me either. I am being told it might take a long time to resolve the situation ( if resolved at all ), which places a huge burden on me as I have liabilities that I need to pay off now. It took place in XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
Company: SYNCHRONY FINANCIAL
State: AR
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:
On XX/XX/20 I called to pay off my account. They told me {$520.00}. I paid the total amount and closed my account. Then about 2 months later got a bill for {$250.00}. I called them numerous times and gave them my confirmation on the payoff transaction which is, XXXX. They informed me they would investigate the phone transaction and get back with me. I never heard anything back. Then I find out they turned it in on my credit report. When I paid it off i ask twice if that was the total payoff and she said yes. I am not paying this bill that they have created after my account was paid in full. They have the phone recording on that transaction that they can review.

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 monetary relief
Consumer complaint received 2019-04-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a cosigner with my mother on a mortgage. My mother lived in the house and paid all of the bills, I just helped her get the loan. She has XXXX XXXX and will be moving to a facility but right now she resides with my sister in North Carolina who takes care of her. My mother cant move into a XXXX XXXX facility until this house is taken care of or they will take the house away. 

For 2 years I have been trying to do a short sale with OCWEN and have lost 3 buyers because OCWEN refuses to do the sale. Every 2 weeks they request the same documents and within 24 hours the same documents are provided to them. They do not ask for anything new just an monthly updated version of what was already given. 

I have an attorney XXXX XXXX that has also trying to get this do as well as the foreclosing attorney for OCWEN ( who works for OCWEN ) and between all of us OCWEN still will not close. 

I am about to loose yet another buyer because OCWEN giving us the run around. 

The stress that this has put on not only my mother but my sister how can not continue to take care of my mother any longer, and me because I am trying to do everything by the book instead of letting it go into foreclosure. My family is being pulled apart be this. Not to mention my credit has gone to XXXX because I have been dealing with this for way over 2 years. 

I need something to be done, please help!

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 2020-05-06
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want this Account Off My Credit please. This Account should Not be on my Credit This is against The law for someone to steal my identity. I did not give any Consent for this account to be open. 
this is very stressful. I'm a single father that is trying to survive for me and my kids I'm about to be on the street with my kids cause every time they check my credit they see this fraudulent account which makes  me look bad as as a person and theses companies don't trust me which i pay all of my bills on time pleases help me resolve this situation or I will be on the street with my kids with covid 19 I am so afraid

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 2018-02-15
Company: Riverwalk Financial Corporation
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company in XX/XX/2017 requesting validation for this account. This is NOT my account. I have never owned a credit card and have no intentions of ever getting one. Is company will not remove this false information from my credit, as I have previously requested. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
State: OH
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:
Setup " bill pay '' with XXXX, for mortgage held by XXXX Bank. Have regularly paid each and every month from the beginning, YEARS ago. Long ago, I had it set up for payment the XXXX of every month, due the 'guaranteed ' XXXX of each month. This year, like three out of four years, XXXX had 28 days ( Yeah! ). BUT this year XXXX hit me with huge penalty when they cashed payment on XX/XX/2019!!! They won't listen to reason, despite the same thing happening every prior year that had 28 days in XXXX, without a problem or a penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I attempted to transfer funds from my HELOC via the Bank of America 's automated phone system to my checking account. When I pressed the appropriate phone number button, the system gave me a verbal response : " unable to transfer from HELOC ''. It should be noted that I had been able to make payments to and transfer funds from my HELOC using the BOFA phone system. I depend on this system as I'm totally XXXX, and am uncomfortable doing these same tasks online. I then tried via voice commands to do same with same result. I called the HELOC/Mortgage number and spoke with XXXX who, after some difficulty was able to transfer the funds to my checking account. She also generated a case number and said she'd escalate the issue. Additionally, I was unable to make payments to my HELOC, though I'd been able to do so in the past. 

The next day, I went down to the local branch and spoke with the assistant manager, XXXX. She said she'd also look into this matter. A week later, the problem still hadn't been resolved, though I did get an update to that effect from XXXX. As of today, the system 's still broken. I can neither transfer from or make payments to my HELOC via the phone system. I should be able to do this independently as I had been able to do so in the past.

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 2018-06-13
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1 ) On XX/XX/XXXX, {$420.00}, I submitted a Debt Verification Request Letter to the company 2 ) I received a response from the company which included a billing statement which is not proof that the debt belongs to me.

3 ) XX/XX/XXXX, I submitted another request for verification of the debt to the company 4 ) XX/XX/XXXX, once again, I received a duplicate billing statement but nothing with my signature or proof that the debt belongs to me.

5 ) XX/XX/XXXX, I submitted a request to all three credit bureaus to remove this debt from my credit report, due to the lack of response to my request for debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions 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:
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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I PREVIOUSLY COMPLAINED ABOUT AES REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A STUDENT LOAN REPORTING ON MY CREDIT FILES ( AES IS REPORTING AS AES ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY AES IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM AES DATED XXXX XXXX, XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM AES.

Company response to consumer: Closed with explanation