BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
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: Investigation took more than 30 days

Complaint:
Greetings, I hope all is well during these unprecedented times. I submitted a dispute letter concerning inaccuracies on my report on XX/XX/2020. I did not receive acknowledgement on the matter. To my understanding the company has XXXX to XXXX days to respond to my dispute. They are in violation of the fair credit reporting act. The inaccuracies on my credit report are severely effecting my credit score. I understand we are in difficult times but these inaccuracies must be corrected. Thank you & XXXX Speed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: CA
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 contacting Equifax many times prior to submitting this complaint just trying to access my credit report online. Upon calling them they asked me security questions which I answered all correctly but then was told that I had to verify myself once again through XXXX  which I obediently did. For whatever reasons, they claim to have not been able to verify me and I was told to send in a copy of my social and ID to XXXX XXXX. I have already done so two weeks ago and still have not received a reply from them nor have I been able to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: 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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2019 XXXX XXXX XXXX accessed my credit report without my consent. I filed disputes with XXXX  and Transunion to no avail. I have not lived in XXXX in over 7 years so there is no reason for this inquiry to be on my report for 2019. 

XXXX XXXX XXXX XXXX, IN 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 2021-09-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
cfpb closed this complaint before it was resolved. See They are stalling and clearly have no intention of finding an equitable solution to my complaint. 
This issue has been in Wells Fargos court since XXXX. They have moved it around to multiple departments each one suggesting they need months to process the inquiry. The case number has been changed 3 times. Currently I am assigned to XXXX, an Executive Office Case Specialist in the Consumer Products and Services Executive Office. She wrote me a letter in XXXX stating You can expect to hear from us with a resolution or an update by or before XX/XX/2021. 
Today is XXXX XXXX. She does not return my phone messages. She has refused to give me her e-mail address. 
Previously I caught a WF agent lie to me about this issue. When I brought it to her attention, she stopped communicating. 
This issue can not be resolved without back and forth communication and WF is clearly avoiding that.

Five months and the BIG STALL continues.

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 2018-08-25
Company: HYUNDAI CAPITAL AMERICA
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: Old information reappears or never goes away

Complaint:
Dear to whom this may concern, I have two false accounts that do not belong to me and need to be taking off my XXXX  account immediately please. 

1. XXXX XXXXXXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX Both of the accounts are on a closed status.These do not belong to me. This is effecting my credit tremendously and needs to be dealt with as soon as possible please. 



Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, Flagstar representative name XXXX at the corporate office was unable to resolve my issue or offer any assistance. Instead, the representative immediately transferred the military veteran home mortgage borrower to the Forbearance program. 

On XX/XX/2021, a Flagstar representative informed me it generally takes about 4 weeks to process Loan Modification Loan. 

On XX/XX/2021, a Flagstar representative name XXXX verbally confirmed all requested documentation including a completely signed and certified Modification Agreement was received. XXXX also informed me the company had not updated their system to reflect the due date of my modified loan mortgage monthly payment amount. 
XXXX requested I provide my bank routing and account number as the only means of making a mortgage payment. 

To date the military veteran home owner has not received a written final determination regarding the loss mitigation/modified loan agreement.

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 2018-08-19
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is attempting to collect on a debt that is not owed to them. I have no legal contact or obligation to this company. I have requested a legal binding contract between myself and XXXX funding and have not received. It has been more than 60 days and by law of no validation of debt is sent, they are to delete from credit report. I do not Owe this company and ask all negative reporting be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had my personal information compromised over a year ago. I have account and address that are not mine showing on my credit report. Please delete the following adresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My XXXX XXXX XXXX The following phone numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following account is not mine as well XXXX XXXX XXXX XXXX # XXXX I never had a XXXX XXXX XXXX  account. please delete 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 2020-09-13
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: AL
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:
In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX Account # XXXX Balance {$560.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$17.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$74.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$210.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$1200.00} Opened XX/XX/XXXX There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please accept this as a Qualified Written Request for copies of any and all Trust Instruments related to XXXX   XXXX XXXX XXXX, Section 1 having a street address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX and effective XX/XX/XXXX - XX/XX/XXXX. For purposes of this Qualified Written Request, the request trust documents are defined under N.C.G.S. 36C-1-103 ( 21 ) Trust instrument. - An instrument executed by the settlor that contains terms of the trust, including any amendments to the instrument, and any modifications permitted by court order. Thank you - 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 explanation
Consumer complaint received 2020-09-15
Company: AmeriCollect
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector was very rude kept speaking over me, when I asked for a settlement they tried to charge me XXXX percent more than I owe them. When i tried to speak to the collector they hung up on me. Im trying to settle this debt but I want to make sure Im not getting scammed. Also they have not sent a letter confirming my debt owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2020 someone tried to steal my identity by opening up a credit card with XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX 's XXXX  ran a hard inquiry XXXX and XXXX 's XXXX  has since been removed from my credit report. XXXX  and Equifax are refusing to remove the XXXX XXXX hard inquiry. I have a letter from XXXX XXXX stating that Transunion and Equifax are to remove that hard inquiry because it consisted of fraud. Thank you. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Ok I XXXX my husband to XXXX last month XX/XX/2019 I spoke to a specialist at phh mortgage services they said my mortgage was upside down and I couldn't do anything about it I wanted to lower my payments because of the struggle I'm going through I've reached out to so many lenders and nobody helps this is completely unfair XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Conn's, Inc.
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:
I have made several attempts via certified letters to Conn 's ranging from XX/XX/XXXX to XX/XX/XXXX to resolve the incorrect information that is being reported on my credit report. Currently, the account has been updated to charge-off status with a balance of {$220.00} being listed. This information is incorrect, as well, as the first date reported of the account being delinquent. I wish to have this account deleted from my credit report as it is showing inaccurate information and causing great difficulty for me in obtaining credit and proving good credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Credit Corp Solutions Inc.
State: SC
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:
Credit Corp Solutions is claiming I owe them {$830.00} from a debt they purchased from XXXX XXXX, which I am also currently disputing. I do not recognize this debt and they are unable to provide anything bearing my signature showing that I have any contractual obligation to pay them. 

I also noticed another illegal practice ... I'm receiving calls from XXXX which belongs to Credit Corp Solutions on a private line that no creditor has and it's not listed on my credit report. They do not have permission to call this number and they only possible method of them having this number is by phishing and reaching out to friends and family. 

I've contacted the company twice to fix this error and they are non-compliant. The first attempt, they received my dispute my certified mail on XX/XX/2019. The second attempt was again through certified mail, their receipt of my dispute showing XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Midland Credit bought the debt after XXXX XXXX charged off. They have filed a case even though i told them i never signed with them nor do I owe them. I have the charge off papers from the courts where XXXX XXXX credit card wrote of the debt. 
Now Midland credit opened a case and is threatening to garnish wages and take what little i do have for something not agreed upon with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account CAPITAL ONE Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX, XXXX & XXXX are different, this means the account has not been properly verified. Please delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
AES is not abiding by the laws that are in place when it comes to Wiretapping laws in Pennsylvania. On XX/XX/2018, AES was contacted by me. They advised that they were recording the phone call, to which I said I was also recording the phone conversation. They said they did not authorize the recording, to which I said that I only authorize recording if AES authorizes me to record the same phone call. 

The representative said she had to transfer me to a non-recorded line, and then proceeded to ask for my personal information, to which I asked if they were still recording the call. The representative then proceeded to transfer me without getting my information. I got a new representative on the phone moments later. I informed that representative that I was recording the phone conversation, to which she also said she didn't authorize recording from my end. I asked her why they don't allow authorization if they are ok with authorizing the conversation from their end. I then proceeded to tell her that the previous representative stated that I would be transferred to a non-recorded line, to which the current representative said was false. I then asked for a supervisor to which I was not given as the representative stated no such authority figure was available at the present moment. I then just let her know that I would call back and see if a different representative would corroborate everything she said, to which she was dismissive. Eventually I dialed back and got a different representative who couldn't answer any questions or concerns I had about the lack of integrity for this type of situation. 

AES needs to understand that if they continue to record any conversations without my direct permission, I have the legal right to request those phone calls or have an investigation initiated to properly dispose of any conversations that were " illegally '' recorded. I have reason to believe that AES still keeps phone conversations that were illegally recorded ( recorded without my direct authorization ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In XX/XX/2021 I mailed out a dispute to the 3 major credit bureaus on their reporting on a few accounts that are closed.30 days later I have no response nor communication after mailing these letters out thru certified mail.The accounts involved in the dispute are reporting inaccurate payment history information and is hurting my good name and stopping me from advancing as a consumer holding me back from purchasing a new home and i believe such tactics is keeping my score below average.As you know payment history is about 35 percent of a score.The following accounts show errors made to accounts I was never late on and in fact balance was transferred to another account.There area couple violations if not corrected i will have to take actions necessary to correct.Under the FCRA negligence to do a proper investigation.Errors you will see in the attached documents are reporting a 30 day on time and go straight to a 90 day late or 30 day on time ok to 120 days late, one is reporting charge offs other account says on time.. How is that accuarate how is that correct.

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 2018-09-13
Company: Experian Information Solutions 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:
XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX -- XXXX B B XXXX   XXXX XXXX XXXX XXXX -- XXXX B XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX PLEASE REMOVED DUE TO FRAUD Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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