BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX/XXXX/2017 I check my credit report to see that Apex Assest Management listed a collection on my credit report without making aware of the debit in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
It started with my XXXX they hacked my XXXX from my XXXX they hacked my XXXX XXXX XXXX XXXX they hack well my phone otherwise I changed my phone number I change my XXXX XXXX and they still was taking everything for me I didnt know what To do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a discover card once back in XXXX of 2020 and thats it and I have multiple inquiries on my credit activity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions 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 was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my 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 2017-12-26
Company: WELLS FARGO & COMPANY
State: MO
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 called Wells Fargo because they were offering an opportunity to consolidate your credit cards and make payment interest free for 15 or more months. As part of the application that I did over the telephone, they asked which cards you wanted to consolidate. I told Wells Fargo my XXXX bank card, and my XXXX XXXX. On the XXXX I owned around {$8000.00} and the XXXX card around {$2500.00}. 
I received a letter in the mail tell me my application was accepted and I received a {$2000.00} limit. I did nothing because the card did not solve any of my problems. A week or two later I received a cardI did not use it becauseI didnt need another card I needed to consolidate my bills. I put the card in a draw. I received a bill in the mail from Wells Fargo stating they had paid {$1700.00} on my XXXX credit card. I called them and I was told it was up to me to get the money back from XXXX bank. The most they were willing to do for me was return the {$53.00} they charged me to transfer the moneyonce I return the {$1700.00}. 
I did not ask Wells Fargo to make a payment on my XXXX XXXX, I asked them to pay it OFF. Now I have two bills instead of oneboth of which I cant pay. They also are mess up my credit by using more than of their card. All of which I did not Authorize them to do.

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 2021-03-24
Company: EQUIFAX, INC.
State: KS
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:
There is a loan that was disbursed XXXX in the amount of XXXX with the XXXX Department of Education. Inaccurate information is reported on my credit report with XXXX, XXXX  and Equifax that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Medical-Commercial Audit Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company MCA MANAGEMENT COMPANY has placed a collection on my credit in the amount of XXXX. A certified validation letter was sent on XX/XX/2022 to this company and response they did not cooperate with validation information : Failure to provide the below items : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed. 
Provide a verification or copy of any judgement if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not yet expired on this account.

Provide me with the license that they are allowed to collect within my state. 
Provide me with your license numbers and Registered Agent or Agent of Service/s. 

They are in violation of Violation of the Fair credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation Of Character due to not providing the necessary information requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There really is n't an option for my issue so I chose the closest options. XXXX XXXX XXXX, who has participated in illegal recovery efforts before, is making hard inquiries against my credit report up to XXXX times per month - sometimes on consecutive days! I understand that collection agencies have the right to make inquiries while collecting a debt, but is is really legal for them to try to bully a response by damaging someone 's credit with incessant credit inquiries? That seems unethical at a minimum. There are no debts on my credit report owned by XXXX. I did have a collection with them at some point in the past ( and was actually awarded a part of the settlement for violations of debt collection practices ) but currently there is no collection associated with them on my report. How can I make them stop making insane numbers of hard credit inquiries every month?! 

The attached file is a screenshot from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
S.P.S for 3 years I have been trying to get A Modification Approval In All of it on XX/XX/2019I Received Contract was informed to send all papers Back. One week later I was told to send first Morgage Payment with the Agreement I wired my first Morgage 15 days early one week later it was put back in my bank account then one week later they said they had found the mistake.

They advised me to wire the money Again .One week later A Sheriff put a letter on my door that my house was in foreclosure. I have A XXXX year old Mother that I care for PLESE I NEED Someones Help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted loan care lakeview services several times. They created an error and reported to credit bureaus and negative delinquent when in fact it was paid the XXXX of every month on time. This caused my business deal to fail through their carelessness and have not provided a Solution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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: Problem with personal statement of dispute

Complaint:
In XXXX of 2019 we started the process to look for a new home. See the attached Consumer Explanation Letter ( Provided by XXXX XXXX ). We saw on this document that we had 8 derogatory accounts. As this was the first time we had ever seen this, we let them know that NONE of the reports had any validity. 
First the XXXX XXXX XXXX was from a refinance that went bad, and we were held XXXX by XXXX XXXX XXXX, XXXX XXXX, and XXXX Bank. In an attempt to refinance with XXXX XXXX ( who helped us along the way ) the servicing lender paid the taxes for our property, and the new mortgage company also paid the taxes at the same time. This created about seven months of insanity ... all while continuing to pay the new mortgage on time, and without delay. But since the old mortgage company claimed we needed to pay the taxes it was reported that we missed our mortgage payments on the old mortgage. We never missed a payment. We were told by all companies that they resolved this so that it would never show up on a report ... and I need this removed ( # 8 ). 
The first 7 derogatory accounts are not mine, and I've never even seen a bill for services, nor have I ever been contacted to pay them. I attempted to call Equifax since they were the ones listed as reporting them. They gave me the number for the reporting folks " Merchants Credit Guide, XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; Phone XXXX. I called them and the number is not a working number. I called Equifax back and they said that I could dispute the claim. I did that and they said that they verified and they were in fact my charges. They gave me the same number to call and I submitted another complaint / credit file with them, and I have included it for your review. They said that the hospital and urgent care places that my daughter in XXXX at the time had gone to, had my contact info as responsible party. That was not true, and I didn't authorize any charges for XXXX XXXX, nor was I given a copy of any bill or collection request. Obviously this is something that can be fixed, but the hospitals sold the collection to the agency, and the agency isn't there anymore, so now I'm stuck with this on my report and I need it to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. IAM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: First Data Corporation
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Company put a hold on my sons account..called they told me to fax documents..said it would take 2 to 3 business days..waited almost 2 weeks..called back company said they needed more information emailed information from my phone..while on phone with them..was told to send thru email so they said I had to call right back so I did they had me on hold for 25 minutes..finally got someone on the phone was told they were closed then she hung up the phone on me

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 2021-08-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was notified that there was an Equifax data breach. I punched in my SSN into their website and discovered that I was a victim. I have since spent hours upon hours searching through my personal information and researching how to protect myself. And the end is n't far from near. I 'm XXXX XXXX for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: MI
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:
Checking my report and I noticed some inquires on my report that Im not aware of. I never called in about anything neither gave someone my consent so as you know anything reporting inaccurate on my report should be removed as the FCRA states ... please take my situation seriously Im trying my best to become better financially I have to take care of my family. 

Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Rent Debt Automated Collection located in XXXX XXXX XXXX XXXX, TN, XXXX. This account is inaccurate as the CARES ACT released funds and federal funds were utilized to cover the Landlords due to the COVID-19 pandemic. In addition, under the CARES ACT, NO NEGATIVE INFORMATION SHOULD BE REPORTED. I am requesting that the item be removed immediately as it has caused duress and other unwarranted financial and economic hardship on top of the COVID-19. 
This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act pursuant to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter several times and have not received any proof from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. Also I sent a dispute letter to all 3 credit bureaus several times asking them to verify the account but I got a response back saying that the account was indeed verified. The following laws have also been violated by this company - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the consumer owes a debt within 5 business days. This company has caused serious harm and damage to myself and my family. This is an alleged debt that has not been proven and is still reporting on my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Fidelity National Information Services, Inc. (FNIS)
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 received XXXX letters dated XX/XX/21 and XX/XX/21 from XXXX XXXX XXXX. Both letters stated that charges in the amount of {$190.00} would be automatically deducted from an account ending in XXXX. I do not have any accounts ending with these numbers and I have not made any purchases from XXXX XXXX XXXX. I called XXXX XXXX XXXX and the representative told me that this is for furniture that was purchased at XXXX XXXX furniture in XXXX, GA. I called XXXX XXXX XXXX and spoke to XXXX. He looked up my information and told me that approx {$2600.00} of items were purchased at the store using my name and social security number. My prior address was used. The phone number used was not my number XXXX and the email used is not my email XXXX. I was also told that the sales person who made this sale is XXXX XXXX and he no longer works for this store. 
After several weeks of phone calls and sending letter to XXXX XXXX XXXX ( XXXX Identity Theft Affidavit along with FTC ID Theft Report and Police Report ) has yet to remove inquire from my credit report and have now started to report this account past due balance on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation