BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the 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 2019-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is illegally trying to foreclose on my property. Bank of America has been my mortgage lender since XXXX. On XX/XX/XXXX Bank of America transferred my mortgage to a new mortgage lender named XXXX XXXX. I have been making timely payments with them and I am current. 
Just two days ago, I received a notice of foreclosure ignited by the attorney firm of Bank of America.

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 2019-03-05
Company: EQUIFAX, INC.
State: FL
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:
On my Equifax credit report they still have a inquiry from XXXX XXXX XXXX XXXX  XXXX XXXX this inquiry was done due to identity theft your company took off XXXX XXXX XXXX  so why not this one too? XXXX XXXX still has XXXX? Still one here on my credit report after 90 days. Still have not taken this inquiry off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are now calling My extended family like aunts and uncles in telling them that I own month they also call my phone about 6 time a day starting around XXXX and stopping around XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, XXXX XXXX reported to Equifax, XXXX and XXXX information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that XXXX XXXX " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at XXXX could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My credit score dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I send in a response on XX/XX/2017 with no REPLY XXXX XXXX XXXX / SHELPOINT-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I was approved for 39 weeks of XXXX benefits and only received my 11 weeks of payments, or 11 deposits, on my card. My XXXX benefits went into effect on XX/XX/2020 and I havent received a payment since XX/XX/2020. I was also approved for LWA assistance payments which were only 3 I was eligible for but it added up to over {$900.00} and I cant find that money anywhere. They said that it was direct deposited to my account that I had listed on my profile but all my XXXX payments were rejected and had to be reprocessed and put on my go program card but I still havent received any payments of any kind since mid XXXX and I have tried to call the department of labor and I would be put on hold sometimes for 4 or 5 hours just to be disconnected and Ive repeatedly emailed them to no avail always getting the same response of for me to send my info and confirmation number and they would look into it but then I wouldnt hear anything for 2 or more weeks and then Id get the same preprogrammed message. Im so frustrated and almost dead broke and my bills are pilling up and Im slowly losing XXXX XXXX  I started for the ground up. Please tell me what I can do to get my back payments and who I need to talk to about it if youre unable to help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 am very concerned to find that your bank capital one has pulled all three of my credit reports XXXX XXXX XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX one was put in my Bankruptcy XXXX  but is still on my credit report Experian XXXX XXXX and XXXX it report that I owe {$370.00} I need this removed from my credit report ASAP

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 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
To Whom It May Concern : I am submitting documentation regarding my student loans ; I am a retired veteran with almost twenty-two years of XXXX XXXX service. My student loans were discharged XX/XX/XXXX of XXXX due to XXXX through XXXX, XXXX, The US Department of Education and XXXX   XXXX/XXXX. I am having issues with all US Department of Education loans starting with account number XXXX and XXXX  XXXX/XXXX loans starting with XXXX reporting inaccurately to XXXX, XXXX  and Transunion. 

I have disputed this several times with the credit agencies and provided all the necessary documents regarding the discharged accounts. I have also reached out to the loan servicers and the Department of Education to get this issue resolved, however as of XX/XX/XXXX of this year they are still reporting incorrectly. I have included a copy of all documents that were sent to the credit agencies and loan servicers as well as copies of my credit reports. As you will be able to compare on my XX/XX/XXXX and the most current credit reported dated yesterday XX/XX/XXXX. 

At this time, I am requesting that you review all the documents and assist in helping to resolve this issue in a timely matter as I am not able to move forward on purchasing a home that I have a contract on and a closing date of XX/XX/XXXX and until this has been resolved. The 120 late 's that are being reported have pulled my credit score down over 100 points and with these accounts still showing open, it looks like I still have a debt that I haven't paid. Thank you for your assistant in this matter and I also give my wife XXXX XXXX XXXX permission to speak to anyone on this matter if I am not available. 

Thank you, 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 explanation
Consumer complaint received 2018-07-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I need some help, I mistakenly billed pay my mortgage payment to XXXX/Wells Fargo a closed credit card which was back in XX/XX/XXXX which was {$2200.00} and not my mortgage company. There was nothing my bank could do because it was a bill pay, I have been trying to get my funds and it has been so hard. It has been three months, I'm behind on my mortgage now also. Not only do I still do not have my money now I have negative remarks on my credit file due to this. I'm not rich and that is a lot of money which I could not replace. I really feel that XXXX/Wells Fargo doesn't care it's there there life this is affecting. I have been told many different things, check was mailed, didn't get in the mail, called again today and spoke with XXXX at the executive offices XXXX ext XXXX and he put in another complaint as the first person would not return my calls XXXX XXXX # XXXX. Now I'm with a XXXX XXXX new # XXXX. I have stressed the important of this as I need to give this money to my mortgage company I was told another check was mailed on XX/XX/13 and still waiting. Please help me

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 2020-07-29
Company: EQUIFAX, INC.
State: TX
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 call Equifax and ask to open an investigation on inquiries I see on my credit report they totally refuse to delete this information I call all the banks and the dealers and none of them have any information about me also I when to the police station they told me to ask Equifax to open an investigation first which they refuse to do on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
was seen in the er XX/XX/XXXX provided my insurance that night, XX/XX/XXXX receive letter i'm in collections, call and they inform me that no insurance was ran. I give the collections my insurance info. Collections came off report. XX/XX/XXXX again same debt on my credit report, Call and they say never received my insurance-Gave it a 3rd time. removed from credit report. XX/XX/XXXX again on my credit-now they state insurance denied and out of timely filing. Asked for timeline of when I called in and they state I never called and gave them my insurance in XXXX and have no record of me calling in. Only a wrong number call is listed. I get my insurance XXXX  and it states that I owe XXXX dollars and I am not liable since the er failed to file in a timely manner. Collections refusing to remove mark. I have never received a bill., they had the wrong address and phone number when I called the hospital to find out what was going on and have asked to get something in the mail and haven't since XX/XX/XXXX when I got one collections letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, XXXX XXXX reported to XXXX XXXX and Transition information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that XXXX XXXX " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at XXXX could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My credit score dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-02-12
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For several months now I have tried to have XXXX XXXX XXXX confirm with me that there was a signed contract for two debts they claim I have. They will delete and/or close the accounts for a short time only to open it again with a different start date each time. One debt is for {$1200.00} and the other is {$570.00}. Each time they remove and replace it into collection it damages my credit more and more. I do not believe I am responsible for these debts as I have not been shown proof I signed a contract with them for these said debts and they came out of nowhere without a fare warning or a letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im writing to file a complaint about portfolio rc. I previously filed a dispute with XXXX   regarding the matter and they just sold the debt to another collections agency once XXXX  removed it. I have tried to dispute it with them and they have advised that the debt is legit and they will continue to pursue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Please review attachments Round Point Mortgage open a new loan account number XXXX, Principle and Boarding Amounts on XX/XX/XXXX. But Round Point Mortgage did not apply all said funds to the above account, when XXXX  XXXX XXXX forward and release the funds to new servicer Round Point Mortgage on XX/XX/XXXX. Missing mortgage payments was noted on payment history statements and the {$18000.00} check from Florida hardiest hit program also was not noted on the payment history statements.what happened to these funds? Also the XX/XX/XXXX loan modification agreement Round Point Mortgage applied fraudulently new money XXXX to that loan, what was that money for? And why did they make me pay and charge me for something I didnt know about?

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 2023-05-22
Company: CAVALRY INVESTMENTS, LLC
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: Their investigation did not fix an error on your report

Complaint:
please i need help i been sending disputes and nothing has change i need this to be resolved. Im trying to buy a house and i have damages on my credit report and things in my credit report that is not mine. According to the law 15 USC 1681 there should not be any damage on your report this is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, Bank of America reported my account delinquent to the credit reporting agencies. I settled my account with BofA that year and paid my account per the settlement. According to FCRA, BofA and XXXX should have removed the settlement from my report as of XX/XX/XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with BofA and I am continually told that they are reporting correctly. When I called BofA on XX/XX/XXXX a BofA rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but XXXX is not removing it. Every time XXXX  contacts BofA, BofA tells XXXX that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from BofA and XXXX. This is also happening with XXXX 's XXXX ( credit card now through XXXX Bank was through XXXX XXXX ). XXXX XXXX XXXX was also settled and first reported delinquent XX/XX/XXXX. I have tried on numerous occasions to resolve this with XXXX 's XXXX and XXXX with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my XXXX credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.

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 2021-02-03
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not owe this debt and the balance date is inaccurate. They formerly had this account.They reported the debt to my credit on XX/XX/XXXX, NOT in XX/XX/XXXX. I have historical proof! I have recorded alerts via XXXX  XXXX portal that shows when the agency first reported to the credit bureaus about this debt. The collection agency is practicing illegal acts : Ability Recovery Services , LLC located at XXXX XXXX XXXX XXXX, PA XXXX. They have been on my credit file before XXXX but they are reporting the account in their office as new as of XX/XX/XXXX. The account they have is more than a year old. That is illegal. Please have them to stop harassing me, as I do not owe this debt. Thanks in advance!

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