BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
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:
Hi XXXX and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 explanation
Consumer complaint received 2021-11-30
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
URGENT!! - In XXXX, XXXX, the CEO of XXXX XXXX, XXXX XXXX stated ( article attached ) : For the loans that we own, we have extended our moratoriums for foreclosures and evictions until the end of the year. 

My family and I have been scheduled to be evicted from our family home on XX/XX/XXXX by XXXX XXXX ( XXXX ( Eviction attached ). Despite me furnishing the article to the Court and XXXX representative, Attorney XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirmed that the CEOs words will not be honored ( emails attached ). I was not given any explanation as to why this XXXX moratorium can not be extended to me. XXXX claims to own my mortgage and I have proof to the contrary. XXXX illegally foreclosed on my home on XX/XX/XXXX. Among other issues, XXXX used a blank, fabricated and fraudulent Assignment of Mortgage that was backdated 7 years ( dated XXXX ; filed XXXX ) and other fabricated documents and never presented the original note to my property. Fabricated documents can not transfer property. Prior to them showing up to auction my home, I had never had any dealings with XXXX. 

I have been XXXX since XX/XX/XXXX when I had a roll over crash on XXXX. XXXX. I was denied forbearance or modification to help me during my recuperation which resulted in this foreclosure case. Prior to having many injuries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX after the accident, I have been a homeowner in XXXX since XXXX and had never missed a mortgage payment. 

ADDITIONAL INFORMATION Specialized Loan Servicing was ( my Servicer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2021-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX, natural person and consumer on XXXX XX/XX/2021 I submitted a remittance payment to my credit card account in the amount of {$21000.00} I sent my payment certified mail to insure timely processing and Capital One still has not credited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: GA
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:
Company verified they received my later on XXXX. Since that time I have phoned several times in regards to Fair Collection accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager SPAR states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.

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 2019-07-05
Company: Experian Information Solutions Inc.
State: NV
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:
the following companies ran unauthorized credit inquiries on me.. I did not give them the permission to inquire about my credit status..Please delete this misleading information : XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: World Omni Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After hours on the phone with Southeast Toyota Finance, a company who I leased a XXXX  from regarding how to settle a debt they suggested I needed to pay, I still am years later getting calls. 

Initially they said I owed a full amount after returning the leased car because of wear and tear. I had to spend hours proving I paid extra a month to cover that. 

It was explained that it didn't include all of it. Also that they did not get a key fob that I mailed in to the XXXX dealership. 

I had to call over and over to get a letter on their letterhead stating they DID get the fob, which they had. I could not email anyone about this of course at Southeast Toyota Finance. 

I am still getting phone calls from XXXX after they suggested a reduced payment to {$500.00} and I paid {$100.00} and processed the key fob request which should be another {$400.00}. I've spent months hearing from them. They do not have an email and the woman I discussed settling this with did not do what she said. 

I am still getting phone calls from XXXX after talking for hours with XXXX and the XXXX dealership, which faxed them information regarding the key fobs being replaced which should take down the payment {$400.00}. They had offered a cash out for {$500.00} and I payed {$100.00}. They continue to call me and they are unethical and incompetent. 

They keep calling and reporting I owe them {$270.00} but based on everything I've spent hours and hours they should be paid off. They are still trying to take advantage of me. At one point I got a letter saying they still want me to want me to send them a letter on XXXXXXXX XXXX letter head. This is fraud. They need to be investigated. Mostly though they make it impossible to really communicate and they don't follow through after you are on hold for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX, 2021XXXX still nothing from them. The negative items are still reported on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off XXXX XXXXXXXX {$24000.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX  XXXX {$2400.00} Collection XXXX XXXXXXXX {$620.00} XXXX  XXXX {$490.00} XXXX XXXX {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$370.00} ( Original Creditor : ) XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I went to pay for a meal the restaurant said my card was declined, but capital one said that the charge went through. I couldnt pay for my meal had to wait XXXX business days for it to clear capital one did nothing to help me as the customer so I closed all my accounts and it ruined my credit over this because I closed XXXX accounts they are supposed to support their clients

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Roach & Murtha, P.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from XXXX XXXX XXXX XXXX @ XXXX. The envelope came to my address with a sticker that had my name on it. In addition the envelope merely had a return add., no company name. I thought that it was an advertisement. Upon opening the letter I truly believed that this was an advertisement, or a scam. The letter had NO creditor listed. They were merely offering me a " Winter Tax Savings ''. I was offered no opportunity to even dispute this alleged debt from the unknown creditor. This is the first and only communication that I have ever rcvd from this office. Additionally, the signature is a photo copy of " XXXX XXXX '' 's signature. The letter also states a current balance of {$340.00}. However, the offer is for " 25 % off of the current balance due and owing ''. How much are they demanding? They also state that the payment must be made in a " lump sum ''. If this is a valid debt, from a valid creditor, they can NOT demand payment in full. Also they have failed to provide their consumer debt collection license. 
This Law firm has clearly violated the numerous laws within the FDCPA and furthermore my consumer rights. 
I am asking for immediate sanctions to be brought against this firm, and they should be thoroughly investigated.

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 2018-01-24
Company: Credit Plus Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have received a copy of my credit report and realized I have an inquiry from Credit Plus and I did n't apply for anything dealing with their company, nor do I have any of their Products for their company. I could not reply to them directly because I do not know how to get in touch with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: ERC
State: GA
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:
Every three months XXXX XXXX XXXX sales or sends an account to the credit bureaus negatively reporting accounts that do no belong to me. I have been the victim of ID theft, I am teenager and have never used my credit to obtain anything from XXXX & XXXX This is the 6th time my credit account has been defamed for this collection in the last 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Law Office of Michael J. Scott, PC
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am the co-signer on 3 separate student loans obtained by my husband. All of these student loans are now part of the XXXX XXXX XXXX XXXX XXXX { XXXX }. Each of these loans are also now part of a lawsuit brought on by your bureau. A consent order was agreed upon in relation to said suit. I believe my husband and/ or I qualify under the regulations set forth by the consent order. We have not been contacted however regarding our qualification. 
Our loans : XXXX XXXX, XXXX, XXXX. 
XXXX filled a lawsuit against us on XXXX. 1. ) This date was past the state of Tennessee 's statute of limitations. Due to incredible financial pressures and job loss, my husband and I filed for bankruptcy in XX/XX/XXXX. Once the XXXX received the formal notice of the bankruptcy, they obtained a voluntary dismissal of the lawsuit. 2 ) In XXXX I was contacted by XXXX XXXX XXXX XXXX law firm and told XXXX had been awarded a new judgement and were seeking a payment plan or else they would follow through with wage garnishments already approved by the court. I questioned the law firm concerning the new judgement and wage garnishment, as I had had no further contact from the XXXX  since the voluntary dismissal of the lawsuit. However due to the bankruptcy my husband and I had just gone through, foreclosure, and moving in with relatives, I thought maybe the information had somehow not made it to us. Having experienced much hardship due to prior financial difficulties, and having been told by bankruptcy lawyers that there was NO way to EVER be relieved of student loan debt, even private student loan debt, I set up payment plans. I have been paying on these loans since XX/XX/XXXX. I was unaware and NEVER informed that these would fall under the statute of limitations. 
Once I learned of the lawsuit by your bureau ( the CFPB ) I called XXXX XXXX XXXX law firm in XX/XX/XXXX to ask to receive a copy of my original promissory note, as well as all documentation of sucession of ownership from that promissory note to the present. I was told they know nothing about the CFPB lawsuit and that I could not get a copy of the original promissory note, etc. I stated I would not be sending another payment until I received this information. I was told that I would be the one in violation of my payment agreement I even referenced your bureau 's lawsuit and consent order and stated that I thought they were violating the consent order by not providing me the requested documents. I have received no documentation as of today XX/XX/XXXX. I have however, been contacted multiple times informing me they have not received my XX/XX/XXXX payments and that I am the one violating the payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
cra violation XXXX breach has destroy my life again not my scores are so low i cant do nothing new accounts that are not mine so many inquires sent the police report of fraud and Idtheft gov need this to be taken care of 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 2021-11-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was used to make a purchase of {$3100.00} fraudulently on XXXX XXXX XXXX XXXX. I was completely shocked at the time being, and I tried to resolve this with my bank ( Wells Fargo ) and they were completely unhelpful and ended up denying my claim. I am at a complete loss here and just want my money back, but as uncooperative as Wells Fargo is, I find that, that won't be an option for me if I continue trying to resolve this underlying issue with Wells Fargo.

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 2021-11-30
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried to call One Main Financial but they put me on forever hold and when I got to speak to a person they were extremely rude to me and refused to continue communication. 
in XX/XX/XXXX I made a bigger payment on my account as well as in XX/XX/XXXX and XX/XX/XXXX however they reported it as of No data to credit bureaus. It is a fraud! They charge me a very high APR and do not work at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AR Resources has put a collection on XX/XX/2020 for {$1900.00}. This was due to car accident, XXXX paid this on XX/XX/2020, check number XXXX. I submitted proof by faxing the letter from XXXX around XX/XX/2020. The person I spoke to said it is not considered paid because I did not pay it myself. I gave him check number and told him he needed to look into it and to take off credit report. He keeps calling and I just can't keeping arguing with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I sent in a Dispute letter to all 3 credit bureaus ( Experian, XXXX, and XXXX ) to send me proof that the below accounts belong to me. For example ; Documents with me signature which was stated in the letter because the bureaus stated that it was verified prior to me sending another letter for proof with my signature. 

XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX ) Experian ( XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, ) I  received a response stating that the accounts were verified again with no proof!! I demand that these accounts be removed from all of the credit bureaus because it is against the to not respond properly when an item is asked for PROOF! I sent in my letters and it has been well over 45 days without proof of my signature. Ive wrote the credit bureaus and this was not a good response for the second time.

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 2022-02-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraudulent/unauthorized charges. Dates from XX/XX/XXXX through XX/XX/XXXX. Multiple fraud charges throughout time frame mentioned above. Bank denied Fraudulent charges stating I authorized them.I called them back letting them know I did not authorize these charges. They said they would have the executive office look into these Fraudulent charges. They responded by email on XX/XX/XXXX. So far no response. Case # XXXX. Also referred on letter correspondence as claim # XXXX. Wellsfargo Bank is where my account is.

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