BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I attempted ( online ) to get my annual credit report from Equifax a few months ago. I got an automated message that, for some ( to me unknown ) reason I could not get the report online and that I would have to send my request to a physical Equifax address with information and documents. 

I also found out that my record with Equifax was among millions stolen in breach of Equifax as previously reported. 

On XX/XX/2021, I sent a letter of request ( see attached copy with most identifying info deleted and without copy of accompanying documents ) to the following Equifax address ( with certificate of mailing ) : Equifax Disclosure Department, XXXX. XXXX XXXX, XXXX, GA XXXX. 

In that letter I asked for : 1 ) Annual credit report from Equifax ( only ) and 2 ) To be informed of exact information about my data that was stolen from Equifax. 

More than 2 months laater, I still have not heard from Equifax. 

Is that company still in existence or have they ceased to exist ( which would be most appropriate, given their terrible record )?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Source Receivables Management LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Ocwen Financial Corporation
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, This is our 18 time writing a complaint about Ocwen Loan Servicing.

Ocwen acquired XXXX XXXX XXXX to collect debt for them. 
XXXX XXXX XXXX was not licensed in the state of Maryland. 
Ocwen were using a company unlicensed and could use any deceitful tactics to collect. 
Attorney for Ocwen XXXX XXXX has stated Ocwen legally did notting wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: BMW Financial Services NA, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened i have a cousin same name who used my name and there conspiring with him

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I contacted American Express to resolve the issues previously reported with this agency in regard to contacting me, and offer a settlement to avoid possible litigation. The letter specifically states that it is " not a validation request ''. Please see the attachment titled " SettlementOffer21821 ''. Rather than resolve this matter, American Express, continued to respond as if the letter was a validation request, or " dispute ''. Beginning on XXXX, XXXX, XXXX, American Express, first sent an improper message stating that it wanted to contact me, via email, in regard to a " dispute '', but the address wasn't working. Then on, XX/XX/XXXX, American Express, wrote to state that in " response to my inquiry '', their alleged account is in internal collections. Finally on XXXX, XXXX, XXXX, American Express, contacted me to state that they have not finished investigating " my inquiry ''. Please see the attached document titled " 321violations ''. Of course, there is no inquiry, or intended dispute at this time, and these responses are improper. Again, I contacted American Express in hope of reaching a settlement agreement without intervention. These messages are further violations of past complaints in regard to American Express dubiously bombarding my mail box with its alleged and unwanted documents, rather than providing a proper response in hope of resolution. I contacted American Express in XXXX to stop contacting me under the Fair Collection Acts. This complaint is not a validation request, or intended as an admission or denial of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: NCC Business Services, 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:
I sent this company my validation request on XX/XX/XXXX. it wasn't just a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully requested them to provide me with competent evidence that I have any legal obligation with them. 
But to my surprise they have neither validated nor responded to my request. This is yet another effort to resolve this issue before I file a lawsuit against this company if it will continue to report unvalidated information on my credit file. 
For yet another time, please delete these unvalidated accounts asap : NCC BUSINESS SERVICES, Opened Date XX/XX/XXXX, Balance {$140.00}, High Balance {$140.00}. 
NCC BUSINESS SERVICES, Opened Date XX/XX/XXXX, Balance {$750.00}, High Balance {$750.00}. 

Attached herewith is the letter i sent this company ealier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: ID Analytics, Inc.
State: FL
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:
I have tried several times to request a copy of my consumer report from sage-stream via their website and my mail. I was advised that i would received it within 10 days from the date of the request. I requested the report twice in XXXX and twice in XXXX of 2020 and XX/XX/2020 with no luck. I demand that this company send me a copy of my consumer report via mail immediately as it is my right as a consumer to have a copy of such file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I tried to get my credit reports from XXXX  from all 3 credit bureaus, Equifax, XXXX  and XXXX. However, Equifax failed to deliver on the report online while the other 2 succeeded. I became worried owing to the not so favorable security track record from Equifax and called their customer service on several occasions. According to all of them, it is out of their hands and did no acknowledged there was a problem. When asked about if any other party in Equifax that I can speak to to resolve the obvious technical issue, they simply responded that there was no such entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was an authorized user on my grandparents checking account-only for emergencies. In either XX/XX/XXXX or XX/XX/XXXX, the account was closed. I was not aware of the accounts status because another family member began overseeing the account. Hence the fact that I had not been active with the account, I forgot that I was actually authorized for emergency use. Four years later, the charge-off appears on my credit report. I am not responsible for any charges remaining on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Social Finance, Inc.
State: NY
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:
I have tried contacting company in regards to an unauthorized inquiry dated XX/XX/21, however I can not get ahold of anyone in credit dept. I did not apply for an account with SoFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Currently have a mortgage with amerihome which services loan for escrow payment of insurance and taxes. Amerihome montage company did not pay home owners insurance in a timely manner and my policy was cancelled.Escrow account at time of payment due had surplus funds covering this payment..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a bank of america checking and savings account. In XXXX of XXXX a XXXX  XXXX stole my wallet he wrote a {$3500.00} fraudulent check and that saturday morning 5 or 6  times went to different bank branches and atms pretending to be me as he used my id and soc sec card. Well my balance was only {$2.00} or {$3.00} dollars so of course the check bounced. 
Well he got a total of {$600.00} somehow from pretending to be me fraudulently. 
I request that you remove this error listing me as a person of fraud. B of america should look at their cameras and see that its not me. This has ruined my financial status thus causing catastrophic Ruin in my life. I have no car no home and noone will lend money to me nor can i open a bank account. Please fix this asap XXXX XXXX XXXX XXXX. XX/XX/XXXX Soc. XXXX Dob 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 explanation
Consumer complaint received 2019-02-24
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:
Portfolio Recovery continues to call me at home, work, and on my cell. They are calling about 25 times a day from random numbers. The company is already in trouble for their collection practices. I would like to join the lawsuit against them. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Portfolio Recovery asking them to provide me with data to prove that this is my account. I have asked them to provide the following : Competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay you what you say I owe. 
Identify the original creditor with name and address. 
Prove the Statute of Limitations has not expired on this account. 

The only proof they have sent are credit card statements from years ago. Portfolio Recovery bears the Burden Of Proof and the information they continue to send me does not provide evidence of the claims they have made against me. This is not my account, please delete this account. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Collection Bureau of America Ltd.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I XXXX XXXX XXXX was never contacted by XXXX XXXX XXXX they took XXXX dollars of my things that were in storage 6 years ago never sent me anything for six years it just appeared on my credit report without calling me or to notify me by mail they have my phone number they be never sent me a bill or anything thing this could have been made wright if I new that they wanted money and the fact that they are big lieyers in what they are saying they took XXXX dollars such as a brand new dinette set a XXXX stereo system a 1 year leather living room set a XXXX inch flat screen TV and sold it never sending me a bill of sale they just stole my furniture and then want me to pay them 6 years later how can they try to collect something without notice and about now being 7years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had two XXXX XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with XXXX XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards

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 2020-12-12
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$160.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$1800.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please see attached for experian data being reported inaccurately. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please also see attached for proof of {$20000.00} limit given by 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 2019-11-05
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For 11 months now, I have been trying to get Comenity Bank to remove a payment block on my bank account so that I can make online payments for three of my Comenity credit cards ( XXXX XXXX, XXXX XXXX and XXXX ). On XXXX XXXX, 2016, my online payment for my XXXX XXXX credit card was returned because of a state tax lien. It was listed as a No Fault returned payment and no fee was charged. The tax lien was resolved, and my bank account was quickly restored and is in good standing. However, Comenity Bank continues to have a block on my bank account, so that I am unable to make payments online for my XXXX XXXX, XXXX XXXX and my XXXX credit cards with Comenity, even though online payments were not returned for the XXXX XXXX or the XXXX account. I have tried to resolve the problem with Comenity for almost a year now, and have followed their customer service reps and supervisors ' advice to pay by check from the same bank account ( which was supposed to resolve the problem once their system cleared the check from the bank account ), to removing my online profile and re-entering it, to calling the Federal Reserve ( the most idiotic suggestion yet, but I did it ). It would n't be such a problem if it were n't for the fact that paying by check makes it difficult to gauge the timing of when the payment will hit my bank account, and Comenity charges a {$9.00} fee to pay by phone. For the past several months, I have been able to get the {$9.00} fee waived in making payments. However, I have had some late payment fees that I would not have incurred had I been able to pay using my bank account online. Moreover, Comenity has accepted my monthly payments by phone, using the debit card associated with the same bank account that is blocked online. There should not be a block on a valid bank account that Comenity continues to accept payments from by check and by debit card. The block on my bank account is punitive ( I have n't had this problem with other creditors that were affected by the tax lien ) ; I also believe it is an attempt by the credit card company to exact extra fees and a failure on their part to address flaws in their credit card payment system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XXXX of XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Century First Credit Solutions
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I applyed for XXXX XXXX 3 years ago and was put on a payment program. Last year in XXXX I was suppose to be done with all payments and my creit was suppose to be fix by XXXX of XXXX. I'm trying to reach out to them about my credt becuse this is the day that my credit stil not fix and they are not providing a fair answer or to be fair no answer at all. The costumer support line is not opperating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been disputing Convergent Outsourcing for several years. I never received any notice of the debt or validation that I owe the debt. XXXX removed the debt by XXXX and another debt collector. Convergent appeared and I immediately took action. The issue is with XXXX and XXXX. No matter what I do Convergent will not work to validate a debt I do not owe. I even called XXXX and the gentleman I spoke with said there was nothing they can do. My credit is flawless. I do not have any late payments etc. I owe no one anything! Convergent Outsourcing claims I owe {$530.00}. I was going to pay it just to get them off my back but I do not feel its right to pay someone for something that is not yours.

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 2021-05-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation