BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: Credit Technologies, 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 is missing that should be on the report

Complaint:
Here are the items reporting that are outdated and inaccurately still reporting after expiration. 
XXXX account paid in full as agreed XXXX exceed 7 year delinquent history rule for reporting. 
XXXX  account paid in settlement. 
XXXX XXXX Paid as agreed XXXX XXXX  Paid as agreed XXXX XXXX expired past 7 years reporting. 
XXXX expired past 7 years reporting. 
XXXX XXXX  expired past 7 years reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Seattle Service Bureau, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My car was stolen was stolen on XX/XX/2020 and report to the City of XXXX Virginia on XX/XX/2020 with a report number of XXXX. The person who stole the car was in an accident XX/XX/2020. I know nothing other than this about the accident. The person was hit by the stolen car had XXXX XXXX XXXX. My insurance, XXXX, denied the claim in the accident since the car was stolen. National Service Bureau is attempting to collect a subrogation claim on behalf of XXXX XXXX from me to the value of {$4700.00}. 

I received a letter asking for my insurance information and my insurance responded on XX/XX/2020. National Service Bureau continues to try and collect on a debt that is not owned even after they were contacted by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Western Mercantile Agency, Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Western Mercantile Agency INC of XXXX XXXX Oregon. They call me about unpaid medical bills. I pay the XXXX in full with a bank debit card. Western Mecrcantile refuses to email a receipt or send a receipt via USPS, offered a receiptif I drove 16 moles to their office.. I drive to their office and spoke with the supposed Director named XXXX. She also refused to give me a receipt, stating the debit card had not deposited the funds. My vank states the funds were debited from my account. I was refused proof of payment by Western mecantile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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
Consumer complaint received 2021-08-13
Company: KEYCORP
State: VT
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:
In 2017 key bank was trying to collect against me on a totaled vehicle. I took them to court and their counter claim ( the outstanding balance ) was dismissed with prejudice by the judge. Key bank instead of removing it from credit as they were supposed to. Key instead moved it to a charge off collections account which shows as derogatory on my credit. On top of 4 years impacting my credit I am now realizing damages while trying to finance a vehicle. Key have been slow to respond and unwilling to correct the issue in any reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For over three months XXXX XXXX Has continually asked me for the same statements and information month after month. I have a XXXX FICO. 
I have never missed a payment in over 17 mortgages. 

I am only asking for time and terms on an existing 40 % XXXX XXXX 
XXXX XXXX is my loan officer. XXXX is one of her supervisors. 
I have been in constant contact with for three weeks trying to resolve this issue. 
He was the fourth such supervisor, or consumer advocate I have been in contact with to date. Incessant harassment for continuing to provide the same statement month after month. 
They are now increasing the cost of The Loan for each additional update to My loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Navient Solutions, LLC.
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 Department of Education/Navient stating I owe {$29000.00}. This information is not correct as I do not owe them anything and they have violated my rights by publishing this info on my credit report. 15 USC 1681 ( a ) under the investigative consumer report, the consumer report should not include factual information, also they are supposed to interview my neighbors, friends and associates. None of this took place so it is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Screening Reports Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company was used by two different apartment buildings to conduct a background check for screening purposes, the first on XX/XX/XXXX and the seconds on XX/XX/XXXX. Both times resulted in me being declined as a result of the results provided by Screening Reports , Inc .

Based on the Statement of Rental policy that both apartments provides online I should not have been declined and as a result have requested the consumer report that Screening Reports, Inc provided these companies so that I can verify its accuracy. 

I sent two faxes to their provided fax number they list on their website to request such report and both have gone unanswered and therefore have no choice but to file a complaint.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Received a XXXX with the Letter F in identifiable event, Box 6 F- Means by agreement according to the XXXX form.

1 ) I have never had an agreement with either OCWEN or XXXX XXXX XXXX XXXX, Please provide me with the agreement. Please provide proof of Agreement. 

2 ) Box 7 it says Fair Market Value XXXX  ( XXXX  ) How did they come up with this? What is it based on? please provide proof 3 ) Box 2 XXXX amount Discharged. 
How was this number acquired or reached? 
What documentation can you provide to verify the accounting? Please provide proof 4 ) Box 1, Date of Identifiable event XX/XX/XXXX. 
How was this date entered based on what facts or documentation, please provide proof 5 ) Whose Creditor Federal Identification Number is XXXX, Please provide proof of funds that were Lent and for what purpose. What Agreement I had with them as a Creditor, Borrower, Show me proof of any Money, funds that I Received or borrowed on my behalf provide check Numbers, accounts, accounting of where, when, how money was transferred and for what purpose. 

6 ) Account Number - Whose account number or Numbers are these?

How are they associated with Me?

5 ) Box 5 Was left unchecked? it says if unchecked, the debtor was personally liable for repayment of Debt.

Definition of Fraud : Intentional deception, resulting in the injury to another.

If I was not liable, then How did I have an Agreement with the company or companies submitting this false document to the IRS and Me Via US Mail constituting Mail Fraud 18 U.S.C. Section 1341, the two elements have been provided 1 ) having devised or intending to devise a scheme to defraud ( or to perform specified fraudulent acts ), and 2 ) use of the Mail for the purpose of executing, or attempting to execute, the scheme ( or specified fraudulent acts ) Schmuck v. United States ,XXXX U.S. XXXX ,XXXX XXXX. XXXX ( XXXX ) ; see also XXXX v. United States ,XXXX U.S. XXXX ( XXXX ) ( " The elements of the offense of Mail Fraud under ... 1341 are ( 1 ) a scheme to defraud, and ( 2 ) the mailing of a letter, etc., for the purpose of executing the scheme. " ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail and Wire Fraud ,31 AM. Crim. L. Rev. 703,704 ( 1994 ) ( cases cited ) I was monetarly and emotionally injured by the mailing of this document and others associated  to it and by these companies. 
I am asking for The Attorney General to File a Quo Warranto Action on behalf of the Citizens and consumers of the United States being taken advantage of and being deceived by these companies causing financial damage and loss of trust in the Financial stability of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Professional Debt Mediation, 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: Was not notified of investigation status or results

Complaint:
There was an opened account reporting on my credit with XXXX XXXX XXXX which reflects it was opened XX/XX/XXXX and sold to a collections agency by the name of XXXX XXXX. I never received a dunning letter or any notification of this account. I disputed the validity of this account along with the missing information as far as the date of last payment which is still MISSING. I sent dispute letters to all 3 credit bureaus on XX/XX/XXXX requesting validation of this account. They failed to provide proper documents even upon follow up on XXXX. I would like to request the removal of this account from all XXXX credit bureaus along with an updated credit report reflecting the account has been removed. Please see attached for the account reported on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Today XX/XX/2020 I was made aware of a few accounts on my credit report that do not belong to me. The accounts are from these companies XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX  XXXX. I have never opened an account with any of these companies nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts. I do not have any written/verbal contract with these companies and I never allowed them to run my credit. I don't know who is responsible for opening these accounts without my authorization but I have already filed a police report in hopes of getting my name & credit reputation cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX the following accounts were taking off my credit report 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 XXXX XXXX On XX/XX/XXXX all the items were put back on credit report.

In accordance with the requirements of the FCRA s

e ction 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I received no such notification. This is very serious violation of the FCRA. These
items need to be removed off of my credit reports immediately.

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 2019-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I deposited a Cashiers check in Capital one bank. The check was from a buyer ( name : XXXX XXXX XXXX, phone number is XXXX XXXX XXXX, and XXXX XXXX XXXX ) because I was selling a queen bed through XXXX. The buyer sent me a check for the bed and movers ( {$150.00} for the bed and {$900.00} for mover, total is {$1000.00} ). On XX/XX/XXXX, I saw the money {$1000.00} already in my account. Even though, I went to the bank to confirm if the check went through. The cashier checked for me and said yes. And capital one sent me an email that Youve successfully deposited your check ( s ) into your Checking account ending in XXXX, and the money should be available by the next business day.

Amount : {$1000.00} Since the cashier told me the check went through, I thought the check was good. Both cashier and the email didnt mention anything about the money need 4 to 5 days to transfer or verify. Otherwise I would not mail {$900.00} to the mover. On XX/XX/XXXX, I mailed {$600.00} to the mover, XXXX XXXX, address is XXXX, Rhode Island, zip code XXXX  through XXXX to XXXX  and mailed {$300.00} on XX/XX/XXXX.

Since no one come to pick the bed and I couldnt get back from the buyer, I checked my checking account on XX/XX/XXXX, I saw the check pending for chargeback. I called Capital one bank and I was told the check was not right. But I have mailed {$900.00} to someone.

I made several calls to Capital one to complain because I dont trust the buyer, but I trust the bank. If the money was not on my account and if the cashier or the Capital one bank email mentioned that the fund need several days to verify, I would wait. However, I was told there is nothing Capital one bank can do about.

When I deposit a regular check, it takes several days to go through. But the cashiers check can get next day. I thought cashier check takes shorter time to verify. Now I know it is not verified. But no one mentioned it to me. I dont think it is my fault. It should be banks problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: DocuPrep Xpress
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I signed a contact with DocuPrep Xpress based out of XXXX CA to help reduce my student loan payments. Im having concerns about the company because I'm hearing that they are a scam. Im raising out to the company but no response from them. I have already paid {$190.00} a month since XXXX for their fee of {$990.00}. Now the monthly payments will be {$39.00} a month for the next ten years. Im asking for help to find out if the company is legal or illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Information belongs to someone else

Complaint:
I have reached out to eqifax, XXXX and XXXX several times to have errors corrected on my credit profile. My sister and I have similar names and the same date of birth. As A result some of her accounts are being added to my profile and vice versa. I have disputed several collection accounts that does not belong to me and all come back " Not deleted '' when these accounts simply aren't mine! I have multiple inquiries on both eqifax and transunion that aren't mine. Reports also that reflect I have outstanding balances for A XXXX XXXX charge off account, World finance, and first premier which are all my sibling accounts and not mine. I requested A free credit report to go over these details after I filed the dispute and was denied A free copy and informed I would need to pay. I had fraud alerts placed on my reports also due to my mother using my information and I informed all credit reporting agencies of such fraud. My scores are all negatively being reflected as poor when these charge off accounts, Collection accounts and inquiries do not belong to me! There are some inqthat are mine and some accounts that are mine. But none of which are in collections or charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried contacting equifax on several occasions. They refuse to provide me access to dispute my credit report. They state I have an account and when I try to access or reset password it state account does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: MI
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:
In XXXX I filed Chapter XXXX  bankruptcy and was discharged that same year. In XXXX I noticed a collection that was on my XXXX and Equifax reports. This collection has an opening date of XXXX. This is false. The original creditor, in XXXX, gave me a personal loan. This loan was included and discharged in my bankruptcy. I provided this information to both of the above mentioned credit bureaus in XXXX. Again, this year they allowed this collection on my report. I disputed with XXXX and was advised the information they are reporting is correct. I have received zero information from XXXX or the collection agency. I have received no paperwork, no validation of debt, etc. If the collection agency were to even have proof it is dated for XXXX ( not XXXX ) and they are not the original creditor. The collection agency 's name is, XXXX XXXX for " XXXX XXXX XXXX ''. I have never heard of XXXX XXXX XXXX not have I taken out any loan with this company. They are indicated the opening date is XX/XX/XXXX. This is fraud and this information is false. How are these companies allowed to put things on your credit and lie and despite showing proof to the credit bureaus they don't care. Their resolution was that " the information is accurate ''. Where is the documentation proving that. There is nothing with a XXXX date because that is a lie that XXXX and Equifax have allowed on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: Keystone Law LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get 1-2 calls per week from a person who identifies himself as XXXX XXXX from Keystone Law LLC, XXXX, PA Ph. number - XXXX, However it seems to be a different voice on the call at different times. 

" this calls from a debt collector this is an attempt to collect a debt ... no attorney has reviewed this account ... '' They have never provided any details indicating they know who I am or any details about the debt they are trying to collect, either in writing or by phone.

I think they are just phishing against the phone number. I have never answered or replied, and will block the number, but it stands out that they continue to call this number from a published company and name with no verifiable details or justification. I will not engage them unless additional evidence is provided in writing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sears has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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