BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
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:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax.Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I sent a opportunity to cure, demand letter to COLLECTION BUREAU OF THE HUDSON VALLEY , INC and the Company responded on XX/XX/XXXX  " CBHV has not violated the FDCPA. We have documented your account as a cease and desist, you will receive no further contact from us regarding this account. '' the complaint number is XXXX that was Submitted to the CFPB on XX/XX/ it is in fact that you have violated the FDCPA and failure to provide remedy in accordance to FDCPA and FCRA may result in a lawsuit against you please cease all communication through all mediums including my consumer reports and send me documentation stating you would do so thanks, so are also held liable up to XXXX per violation of the FDCPA and monetary remedy for FCRA i willy to settle this matter for XXXX or i would be forced to file a lawsuit thanks for understand

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I received a letter from XXXX XXXX XXXX XXXX stating my home insurance was canceled because my property was vacant. On XX/XX/2018 I called XXXX XXXX and asked them about the notice. They informed me that they had received a letter from Ocwen, my mortgage company, letting them know my property was vacant. I immediately called Ocwen escrow department and they said that it was a mistake and that they had already sent a letter to XXXX XXXX XXXX XXXX and sent them a check for my home insurance. I asked them to explain how they made that mistake? I asked them to explain what circumstance would constitute them to send a letter to my insurance company stating that my property is vacant. They just kept apologizing and stating that they had taken care of it and that they had sent a letter to XXXX XXXX. I explained to them that I was asking because approximately 2 years ago they had sent the same letter to XXXX my previous insurance provider who canceled my home insurance. With XXXX I gave Ocwen their fax number asked them to fax them the letter stating that they had made a mistake and the property was not vacant. Ocwen repeatedly said they sent the letter and XXXX repeatedly said they did not receive the letter. Eventually, I just decide to look for new insurance and called XXXX XXXX. And now it is happening again. 
I called XXXX XXXX and told them that Ocwen said they had made a mistake and had sent them a letter and the check. XXXX XXXX has been awesome and for now have reinstated my home insurance. However, I was informed by the XXXX agent that it is a process to get this issue cleared up as it is being handled by the XXXX XXXX underwriting department. Last I spoke to the agent she said that the underwriting department of state farm would send me a letter once the issue is resolved. I am worried I will have to find new insurance company based on my previous experience with XXXX and Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paid balance in full, before the due date and are charged {$2.00} as " previous balance '' on the next statement.

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 2021-05-22
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me at least 4 times a day regarding a past due XXXX XXXX bill. I am uncertain how I have accumulated debt with XXXX XXXX as I paid all fees prior to termination. When I attempt to answer the phone there is no one there. They have never left a message or sent a physical bill in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: GREAT LAKES
State: NJ
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 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 5years I have not been able to achieve or get any promotion due to the false report of my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
TD BANK blocked my account on XX/XX/XXXX and they blocked all my money, they said that the bank had made the decision to close my account and that they would return my money in a check and then week after week the assistants of the bank located in XXXX  fl they gave me different excuses, even mentioning that they did not know where my money was and that they did not know if they would return it to me in a check. 
Time passed and every week they avoided attending me or talking to me but one day they attended me they told me that my account was closed effective XX/XX/XXXX and that I should wait until XX/XX/XXXX when a check would arrive but on XX/XX/XXXX I returned to the same branch where the man who attended me told me that he did not know where my money was and that the best thing was for me to forget about it, causing a strong reaction in me to the point where this worker, telling me that it was against his rules, would show me the screen of his computer so that he could read the emails he had about my case ( I have video ). 
On XX/XX/XXXX, I returned to the branch of this bank where the same man who told me that he did not know where my money was, answered me and I quote -I DID NOT SAY THIS, BUT THE BEST THING IS THAT YOU GET A LAWYER.- ( I have video ) where it tells me that the bank has made the decision not to return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: NC
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 am XXXX XXXX, and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: IL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: MIDFIRST BANK
State: IL
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:
Approximately XX/XX/XXXX I received a letter from Midland Mortage Co saying welcome they would be taking over my mortgage. I found this very odd and requested documentation proving they indeed bought my mortgage or was assigned to the title as the new lien holder I was never sent anything in writing proving such so XXXX approximately XX/XX/XXXX they begin to report on XXXX XXXX and XXXX credit burueas stating I open an account with them in XXXX which is an absolute untruth as well as a fraudulent statement when questioning them about it I was told it would be removed and the only thing they did was change dollar amount and also had a company called XXXX XXXX run a hard pull through XXXX XXXX which I disputed and was never removed I was told by them Midland ordered the hard pull and if I felt it was fraudulent theyd just make it a soft pull which is also fraudulent and an untruth.

Midland has never been assigned to my title or recorded of deed I went to my county processor office to verify I also have satisfaction of mortgage documents from XXXX mortgage company saying debt was paid in full and satisfactory I would like Midland to be charged for fraudulently reporting on my credit report in which they have no merit or ownership to do such my credit is in jeopardy every time they report the amount owed differently its been 3 changes since XX/XX/XXXX on my report by them I was referred to youll because credit bureaus disputes arent enough to stop or block them Ive never signed any documents or never taken a loan out in XXXX with Midland if theyre the owners of the mortgage they have never been assigned to title as well as Ive gotten satisfaction or Mortage recorded with the XXXX  county assessors office

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 2020-12-01
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to PHH Mortgage on XX/XX/20. Since my mortgage was transferred I have never received a monthly statement from PHH Mortgage. I have called PHH Mortgage every month to get this fixed and have been told on numerous occasions that this has been fixed. I have even signed up for electronic statements to help this issue and have still never received even an electronic statement. I have never been given a straight answer as to why I am not getting statements either. I am lost as to what to do next and would love to have a new company as I do not trust this company to properly apply my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Weinberg Mediation Group LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received two robo calls today. One call came in on my work number and the other call my cell phone. They called my nephew as well. They stated I needed to call them back or there would be legal action. They stated I had not responded to previous attempts. I have never heard from these people before and have no outstanding debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have noticed that the balance of my loans has more than DOUBLED out of the blue. I went from XXXX to over XXXX!! That is IMPOSSIBLE and I cant get anywhere with the lenders. I would have to have gotten a ridiculous number of degrees to have this even be feasible. 

Please help!! This is also concerning ; XXXX reported each course as a single loan?? This MEANS it looks to the world like I was awarded many dozens of single loans. THIS RUINS credit scores NO MATTER how good my credit is otherwise! I am beyond upset and overwhelmed and do not know where else to turn for guidance and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, Ive submitted a request for debit validation 30 days ago. Today is the first post date and no information has been provided. 

Ive contacted both XXXX and XXXX. 

No letters of validation have been emailed or sent to my home. 

This is unacceptable! 

Both companies have given me a harsh time and are not presenting information I requested, so therefore this items needs to be deleted off my credit report! 

If they can not foster the agreed upon terms they will need to follow protocol and fix this situation. 

Ive been yelled at by 3 different agents. 

Ive attached some documentations Also, Porfolio recovery services has my account listed as open. I do not have any contract with them. 
Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I made a balance transfer with Capital one. The money was supposed to be sent from Capital one to XXXX. They made the mistake and sent the XXXX dollars to another bank : XXXX XXXX, to a non-existing account because there is no existing account with that number, and I don't have an account with that bank. Capital one told me it was cashed and that they cant give me my money back. We got on 3 way calls with XXXXXXXX XXXX, faxed them a copy of the check that capital one sent and confirmed they recieved the fax and were going to send the money back, capital one said to send it directly to me. Then i call XXXXXXXX XXXXk and they dont know what to tell me since I dont have an account with that number and that any checks they send directly to the banks. I call Capital One and then they tell me that they havent recieved anything. I called multiple times and even one member almost started crying saying they dont even know what to do and it might be XXXXXXXX XXXX Problem. Then she goes and tells me, that actually it was all their fault and the problem couldve been solved since XXXX because it was actually never cashed out and that they were going to give me my money back for any monthly payments I made, and that it should process within four days, to see no balance from that balance transfer on my account and recieve my money two days after that. I call again within that time and they tell me I actually have one to two cycles before it processes and that I have to pay those months. I call within that time and they act as if no notes were written about my account, and that they cant find those notes. I took the names of everyone i spoke to and im so frustrated because Im XXXX XXXX in college and can not afford to pay something that I shouldnt even be paying for, its messing up my credit, it wasnt my mistake and Capital one has been the worst experience ever. They hung up my call. They hung up my call, put me on hold for 10 minutes then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank of America, is reporting INACCURACIES on a closed/charge off account. I've disputed this account with XXXX XXXX, XXXX and XXXX for months. XXXX XXXX DELETED this inaccurate account. However XXXX and XXXX continue to post this account and respond as VERIFIED. Bank of America is currently reporting activities well after the CLOSED/CHARGE OFF date XX/XX/2017. Which is a VIOLATION of FCRA. 

These are the INACCURACIES reporting : 1. Past due reporting on a CLOSED account. 
2. Credit limit reporting $ xxxx on a CLOSED account. 
3. Posting a balance $ x, xxx 4. XXXX : different account # xxxxxx XXXX : different account # xxxxxxxxxxxxxxxx 5. Reporting inaccurate balance. NO VOD. 
6. I did NOT receive a response to my dispute within 30 days time line, from XXXX or XXXX. Response receive more than 45 days.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: LFG Data Services Holdings, LP
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: Public record information inaccurate

Complaint:
On XXXX XXXX, 2022, I received a letter from the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, 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:
XXXX XXXX # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 originally applied to XXXX XXXX for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX XXXX provided mortgage services to my account but was never the lender or owned my mortgage. XXXX XXXX is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX XXXX is also reporting the exact same information which is correct but XXXX XXXX XXXX need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.

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