BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
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 get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXXXXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing because of a XXXX account with capital one XXXX. acct # XXXX I have never owned a car, and it was brought to my attention my husbands account was on my credit report. The account was charged off over XXXX years ago meaning capital one received full credit or tax credit, discharging the account. I have reached out to capital one to ask them to stop violating the fair credit reporting act by not validating the alleged debt as requested. Capital one needs to remove this account from my credit report. I'm in possession of the XXXX Prospectus for Capital One XXXX  Finance Trust. As we are all aware capital one does not, and did not lend money to me or any other customers. 

Remedy please have this company comply with the fair credit reporting act which requires all information to be 100 % accurate on my credit report. I want all reporting of the false debt remove from all my credit history. 

Warning deprivation of rights under XXXX of law is a crime. title 18 section 241 242 and title 42 section 14141

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: SC
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:
Experian has acct XXXX XXXX acct # XXXX as charged off. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 

15 USC 1681 s-2 Says you XYZ company are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

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 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have requested several investigations into an account that was placed in collections including sending certified mail and notarized statements to XXXX, Trans Union, and XXXX. In XXXX ofXX/XX/2014 I signed a lease with XXXX XXXX XXXX in XXXX, FL which is under the name ( XXXX XXXX XXXX ) on my credit report. After living there a month I was forced to move to another unit because of construction. One month later in XXXX I was forced to move out because the construction was making me very sick. The front office agreed to release me from the lease but did not notify the back end office in XXXX. My move out statement shows that I was billed a half a month of rent and my final water bill was XXXX cents. I was moved out on the 3rd which the property management said that there was no issue since I was getting sick from their rental unit and they did not want any lawsuits. This has turned into a nightmare trying to fight. When I most recently moved into a new apartment this year I was able to pull up my move-out form from XXXX XXXX and the copy of the lease. The information on my credit report is inaccurate and should be removed. I have sent numerous letters ( even notarized and certified ) but nothing ever gets done. I even had credit bureaus return mail saying they couldn't find this account. Please help me deal with this issue and get my information to them. It has been very difficult to represent myself and prove my side of my story to show no wrong doing on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello We recently had a dispute with Chase credit card services. Below are the dates and amounts of the transactions. 

XX/XX/XXXX XX/XX/XXXX Adjustment XXXX XXXX Work RelatedCategory for XXXX XXXX : {$5800.00} Show details XXXX XXXX XX/XX/XXXX XX/XX/XXXX Adjustment XXXX XXXX Work RelatedCategory for XXXX XXXX : {$540.00} The transaction was disputed because we never received the services from the vendor. Chase had asked us for more details which had been provided to them. They told us the information was never received and that they only accept it via fax. We tried faxing it multiple times and they told us it takes 1 day to verify receipt of a fax so they could not tell us right away. 

After all of this occurred they closed the case and told us it has been too long and that they never received anything. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received an education award from XXXX onXX/XX/XXXX. That was then sent to XXXX XXXX XXXX on XX/XX/XXXX for {$2300.00} and XXXX/XXXX/XXXX for the amount of {$2300.00}. Contacted XXXX XXXX and they have no record of the payment sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I started a home loan modification with XXXX XXXX XXXX. I submitted ALL the paperwork numerous times, via fax, email portal, and express mail. For four months they dragged it on saying they did n't receive this or that and each time I resubmitted paperwork. And each time they needed something else submitted. After 4 months of this and consistent weekly and sometime daily calls to them, I decided to try a different route but it was with a company who charged for it. At that point, I realized my mistake of paying someone to help and confronted the owner of the company and was given a partial refund. By then, XXXX XXXX XXXX had turned my loan over to Carrington Mortgage Services. 

This time I approached XXXX XXXX XXXX ( HUD ) for assistance. I thought if I went through an organization that deals with this all the time, then it would be documented etc. 

In XX/XX/XXXX I started a Home loan Modification with Carrington Mortgage Services. I had n't heard anything about any other information needed other than I needed a Durable Power of Attorney, due to the fact that My husband is in XXXX, and I need to deal with all of this alone. My name is on the deed, but not the loan, which I got and sent a copy to them, the day after the request. After a substantial amount of time, in XX/XX/XXXX, I received a letter stating that the case had been dropped due to the requested documents not being received. 

At this point, I called and was told they had no information on file. No sign of a loan modification that had been started. This was after the agent I was working with told me she had received emails stating it had been received. As of now, I have a foreclosure Auction date set for XX/XX/XXXX. We have resubmitted the entire package again, sent certified mail today, XX/XX/XXXX to Intake Department Carrington Mortgage Services XXXX XXXX XXXX XXXX. XXXX XXXX & XXXX XXXX XXXX, Ca XXXX with a contact number of XXXX XXXX XXXX. 

After speaking with Carrington Mortgage Services customer reps via phone EVERY DAY since being told I would have to resend, yet again, a durable power of attorney with a password, before they would even talk to me about the case. I Faxed it over that day. Thursday XX/XX/XXXX. I  called again after I was told that they would put it on my file THAT DAY, so I could speak to someone. It is now XX/XX/XXXX and still they have not input the data. 

This has caused such undue XXXX and XXXX to me that I have now had to go on medication. I need action! I need to not lose my home! I need a home loan modification so I CAN afford to live. I need help with this. I would like this reported to both XXXX XXXX XXXX and Carrington Mortgage services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CitiMortgage, Inc. claims to be the holder, through several unrecorded assignments, of a mortgage originally granted by the former XXXX XXXX XXXX XXXX, XXXX. ( The FED describes this as having been a voluntary take over of XXXX XXXX XXXX XXXX assets and therefore not in the purview of their assistance with failed banks. ) The mortgagee, XXXX XXXX, is XXXX. She contracted to sell her home in an arms length transaction. She paid the payoff amount provided by Citimortgage. The buyer 's bank and title company will not accept the discharge from CitiMortgage because they say the ownership of the mortgage is not a matter of record at the regiastry of deeds. Citmortgage, despite demands by certified mail, has so far refused and failed to provide recordable proof of their ownership of the mortgage. As a consequence, XXXX XXXX can not pay her XXXX home bills and could be at risk of eviction from the XXXX home. Until she expends the house proceeds on her XXXX home, XXXX ( XXXX ) will not pay for her XXXX home expenses. she is caught in a catch 22 situation. 

Massachusetts law requires that mortgage assignments be recorded at the regisatry of deeds, and that the holder, on payment, provide proof of ownership of the mortgage. Despite being provided with a copy of the statute, XXXX has failed to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing this complaint to all 3 credit reporting bureaus for their absolutely poor investigation into my issue with XXXX 

I wrote a complaint to XXXX and forwarded it to all 3 bureaus in the same complaint and even though XXXX informed me that the 30 day late is going to be REMOVED from my credit profile and even sent me a letter from the president regarding it, all three bureaus claimed that the information was correct and refused to update the derogatory reporting and as a result kept my score low. This was made worse by them reporting in the remarks that the information was FCRA compliant and verified by the company. HOW IS THIS POSSIBLE? THEY REMOVED THE LATE!!!!!!!! 

I HAVE attached the letter that XXXX sent me regarding my complaint. They agreed that the late would be removed and said they would inform your agencies right away. what happened? WHO and HOW was this LIE verified? 

I want the government to see what type of liars these agencies are and how they continue to refuse to do the right THING just so they do n't look wrong. INCORRECT INFORMATION IS INCORRECT INFORMATION! Why fight consumers when there is nothing to argue about? See that you are all fraudulent liars and DO NOT CONDUCT ANY SORT OF investigation! Do you see? 

THIS IS COMPLAINT 1 of many more to come. Because I have been disputing illegal XXXX  XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX accounts on my profile for years and they have always denied to remove it and I felt awful. 
But after this XXXX incident I know for a FACT that Transunion/XXXX and XXXX are a bunch of liars and DO NOT conduct legal or appropriate investigation. I will be filing many more complaints to clear my credit of misinformation!

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
A few months ago I Filed a dispute with XXXX  and TransUnion pertaining to invalid and inaccurate personal information being furnished onto my consumer report. This information was not authorized by myself being the consumer and the only individual able to confirm the information. All bureaus responded that the information was verified with ( Creditors ) the furnishers of MY personal information. Title 15 U.S Code 1681 a ( e ) states that to verify information there must be an investigation of my consumer report. This requires an interview of neighbors, friends, or associates of the consumer. It does not state the information can be verified with the furnisher of the information.

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 2019-07-09
Company: EQUIFAX, INC.
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:
I have tried to dispute a credit report error to Equifax, XXXX, and XXXX for months without any success. 


I am writing to you regarding the late derogatory mark on my credit report for an error that could have been avoided and that is impacting my life. A late payment was removed from my XX/XX/2018 credit report ( XXXX XXXX  ) with all three credit reporting bureaus. 
I switched banks in XX/XX/XXXX which an auto draft was taking payments out of. When it occurred to me that the payments were going late I contacted card services and requested a new card. The card was sent to a very old address that was never updated in your system. I called immediately that day once I found out XXXX was attempting to deliver an overnight envelope to my old address but your office would not allow it to be re-routed or held at a XXXX location. I had to wait another 30 days for it to be sent United States Postal Service ( Slowest way to send it ) which is not guaranteed. There is no telling when it arrived. 
When I received my card I made a payment which got rejected for some reason and made the late payment worse. I was able to make the payment and get back on track. As you can see, I have been making larger payments to cover my balance. 
This is the 5th time I have called and now I am having to write to have this removed. The late payment is inaccurate and needs to be removed from my credit score. You already removed one month out of the two so why was the 2nd one not removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: DE
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 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 in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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 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 2019-08-07
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2012 I contacted Conns and reported i needed help to notify the proper department of that my house had been broken into and i was told just bring the police report because my account was cover by insurance i purchased through Conns. I brought the reports to Conns and they politely thanked me and asked me if i needed help picking out replacement items. I didnt find any of the same items though. The next day my account was handed over to conns in house collections. I was told by the manager he did some investigations of his own and he be XXXX a female tries to pull wool over his eyes. He claimed to have read the police reports but still wouldnt handle the proper steps into my account being handled by his insurance department. He claimed i was wasting time and said women are to ignorant to handle a financial decision and i will just have to learn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, I had a 6 month free trial of XXXX XXXX which I assume automatically renewed on XXXX XXXX, XXXX without my knowledge for an amount sum of {$49.00}. Let me also say that I did not receive any bank statements from XXXX XXXX at my billing address at the time, so I was not aware that I had accumulated any debt or else I would have paid it back immediately. 

I was contacted on XXXX XXXX, XXXX by a debt collector who made me aware of the fact that I now owe {$300.00} and some change. After calls to XXXX XXXX, they informed me that the excess money owed to the debt collecting agency came from late payments on the account. I called XXXX XXXX, XXXX party debt collecting agency, and they have no knowledge of the initial charge on the account. They also stated that they would be willing to settle for {$210.00} but I declined since the original amount was {$49.00} and they did not send a statement to my billing address to inform me of the amount owed originally. I contacted XXXX today, XXXX XXXX, and they granted a refund to my XXXX account for the XXXX $ since I did not use the prime service at all. Meaning, I should n't be in debt at all since the original amount I owed was a non-intentional and XXXX has recognized this and refunded the original purchase to the XXXX XXXX XXXX. I have attached an email verifying that XXXX has refunded the initial amount due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX sold my loan to Dovenmuehle Mortgage when I tried to make my monthly payment they would not accept it they said the loan had matured XXXX XXXX and wanted full payment of {$2700.00} by XXXX XXXX I informed them I did not have a balloon payment at the end of my loan and I always paid more than the usual payment, I have continually called and asked for copies of the original loan agreement and provide me proof that I owe them this money and they will not provide it to me yet they are charging me {$0.00} a day for interest while I " wait for them to get the documents '' I have a right to the information I have requested and they have not provided it to me, I am asking that they give me the information I have asked of them before paying the loan off. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: WELLS FARGO & COMPANY
State: MD
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:
this is a garnishment from XXXX that was resolved as a fraud account i never received any court notice or judgment against unit now which is XXXX the judgment was filed XX/XX/XXXX the issue or matter was with wachovia bank which is now wells fargo bank and have no debt information in my name or associated with my social the debt collector asset acceptance has close my bank account for a debt that is XXXX years old and is past the statue of limitation which in a fraud case is 3 years in the state of maryland the debt was not on my credit report or history

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