BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: NY
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:
To someone that can help me, Unfortunately, the purpose of this letter is to inform you that the companies listed have failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 84 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 84 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed a charge of {$250.00} which was charged on XX/XX/XXXX from a vendor ( XXXX ) that did not perform and present a website accordingly and in a TIMELY MANNER. After not receiving a well put together website with a few days as promised, I requested cancellation of the entire service. They said I didn't but I did via phone conversation and email request. I told them not to proceed I was not happy with the " ugly '' website. It was terrible and I had to keep asking " why isn't the site up and running. '' ( See attached ) I provided proof, email conversations, and dates of the transaction and conversations to Capital One who decided to deny my dispute because I did not provide A SECOND OPINION from another company who knew nothing about this transaction. Not only did they deny the dispute but they took their own good time responding ; two representatives call on two separate occasions and neither one followed through with the dispute without saying they don't see my documents. I was asked on three different occasions to send my proof, when I had already done so as requested by their deadline. They said they didn't see it when I had confirmation of the email. On XX/XX/XXXX, XXXX wrote to Capital One that they see the " charge back of the funds, as FRAUD. This of course was a lie. They just didn't want to give me back my money after not performing. I have never in my life had a company ask for a " second opinion '' from another business who is not involved with a dispute. I had no clue who to involved in this. I felt this to be very UNFAIR to me as a card holder who paid my account on time and who cherished that fact that I was granted the account. I am very insulted and feel as though I'm being discriminated against regarding this matter. Capital One refused to value my opinion as though I was lying about everything. I told Capital One on multiple occasions that I WILL NOT BE PAYING FOR THAT CHARGE and now they have added 2 late fees taking the balance up to {$340.00} and they have reported me as being two months late which has cause a decrease in my improving credit score. I had my scores close to XXXX, I have been working diligently to improve my credit and clean up my credit and now this. I have warned them that I will continue to dispute this and I refuse to be a victim of such a request of asking a " second opinion '' for proof that a vendor did not perform. Yes I was paying for and agreeing to service that I did not receive according to their time frame. Please see the dates that I told them I didn't see any website up and running and the message stating on XX/XX/XXXX ADMITTING THE SITE WAS NOT LIVE. It was supposed to take only 3-4 days which DID NOT HAPPEN. If needed I have ALL EMAILS regarding this transaction with the vendor. Thanks for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
State: NY
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:
As recently notified, I am a victim of identity theft

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 2019-03-05
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have had some issue with my credit file reflecting inaccurate information. I am XXXX XXXX I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Please delete these from my file they are not accurate. My name is spelled XXXX XXXX XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX   XXXX The following numbers are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Three charges were made on XX/XX/XXXX to my Direct Express Card. I did not make these charges. The charges were made with in XXXX minutes of each other. I filed an immediate dispute on that day, filled out all paperwork that they sent me and also sent them a letter describing the incident. I received a letter on XXXX stating that the merchant had provided their Department with proof that they were valid charges. I contacted Direct Express fraud investigations team that day, requesting proof of the documentation that was provided to them. One of the charges was reversed within 3 days of it occurring. The other two have still not been resolved. On XXXX I contacted fraud services again, due to the fact I had not received any proof or communication. I was provided with an escalation service number and told that I would receive a credit on my card within XXXX to XXXX hours for the two charges that I was disputing. I called back on XX/XX/XXXX to ask why I had not heard anything, and was told it was because of XXXX XXXX. Called again on XX/XX/XXXX still no credit on the card or communication from the company. Again Ask for proof of charges, and was told I had never asked for them but they would send them out. Was denied being able to speak to the investigator on the case, was told they did not take calls. Asked for them to send a message to said investigator to contact me and was told they didn't do that either. Ask for supervisor and when the supervisor came on the phone he spoke for one sentence and then hung up on me. Called back again gave them my name and social security number and they hung up on me again immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
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: Was not notified of investigation status or results

Complaint:
Hello. I am XXXX XXXX, XXXX who doesn't know English. Your response today, for the fourth time, you haven't sent me in the mail, just like you claim all the time, about my complaint on XX/XX/2020, the letter. I don't understand, what is so difficult to understand here, and why aren't you sending your response to me through mail like you said you would. I do not know how to call you and I do not want to call you. Only give me your response on my complaint on XX/XX/2020. 

If you do not send me the response in 2 weeks time, I will contact the United States Treasury Attorney General with copies of all of my complaints and your responses. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Paramount Recovery Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I hae been a victim of identity theft since XXXX. I am also a victim of the XX/XX/XXXX data breach of XXXX. 
someone used my information to get medical help and accumulated a debt of {$1100.00}. A collection agency ( Paramount XXXX XXXX  '' placed a collection account on my three credit report. the account is fraudulent and i have reported it to the FTC as such. I contacted the collection agency, the three credit bureaus asking them to remove the collection account from my report per the fair credit reporting act section XXXX. Only XXXX removed the account within 4 days. Both XX/XX/XXXX and XX/XX/XXXX started a " general dispute '' tat takes 30 days and they refused to discuss the reason behind that. I have uploaded all the supporting documents to all involved parties and I feel thatXX/XX/XXXX and XX/XX/XXXX are hurting me by keeping this fraudulent information on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, 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:
TO WHOM IT MAY CONCERN THIS DOES BELONG TO ME. I NEED HELP TO GET THIS REMOVED FROM MY CREDIT. I NEED HELP. THEY ARE BOTHERING ME, THEY DONT STOP CALLING WHEN I SAY STOP XXXX  XXXX  Reported : XX/XX/XXXX {$700.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$180.00} XXXX Reported :XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a Countrywide victim. My mortgage was acquired by Bank of America as a result of the financial crash of XX/XX/2008. XXXX XXXX XXXX XXXX purchased my mortgage from Bank of America. Now Bank of America is the servicer for my mortgage on behalf of XXXX XXXX XXXX XXXX. I submitted an application for loan modification to Bank of America. Bank of America is demanding financial documents that do not exist and they refuse to accept financial documents that provide the same financial information, but are in a different format. For example, they are requiring that the document contain the word " statement '' and have a " beginning '' and " ending '' date and that the document must be issued monthly or quarterly. Some financial institutions do not issue monthly or quarterly " statements '' and instead issue a " transaction history '' which contains the same information. Bank of America told me to get letters from the financial institutions explaining that the financial institutions do not create the type of financial documents that Bank of America is demanding, but that other documents which provide the same information do exist. I obtained the letters and submitted them to Bank of America, but then Bank of America refused to consider them. Also, Bank of America keeps claiming that I did not submit documents when I did submit them and I can see those documents on their website. Also, XXXX XXXX XXXX spoke with Bank of America on one occasion, but then Bank of America said that they will no longer speak with XXXX even with written authorization from me. Therefore, Bank of America is not allowing XXXX to fully assist me. Bank of America also sent me a letter telling me that they are no longer " actively '' considering my application because I refused to submit the documents that they demanded, but also said that the application is still " pending '', and that they can still seek foreclosure if necessary. This constitutes " dual tracking '' and is illegal. They also told me that if I still want to have them consider a loan modification, then I would have to submit a " new '' application even though they did not make a decision on the first application. They also took away my " point of contact '' at Bank of America. They also cut off my online access to my application and informed me that they have " exited '' me from the system. Bank of America is claiming that XXXX XXXX XXXX XXXX is the one who is making the decisions, not Bank of America. Bank of America will not allow me to speak to the Underwriter. All of their conduct prevents me from taking an appeal of a denial and enables them to claim that they did not " deny '' my application.

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 2018-09-20
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # 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 non-monetary relief
Consumer complaint received 2020-07-06
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refianced my house with my mortgage company, Mr. Cooper/Nationstar to take advantage of a lower interest rate. Several weeks after closing, I was sent a check on XX/XX/2020, for XXXX. I deposited the check and several days later I noticed, on my bank statement, that the check was stopped and I was fined {$10.00} from my bank for a stopped check. I called Mr. Cooper and spoke to XXXX XXXX ( phone number XXXX ), who seemed as perplexed as I was, that XXXX ) I was mailed a check with no explanation and 2 ) why it would be stopped without explanation from Mr. Cooper. She promised she would find answers and said, at the very least would refund me the {$10.00} fee. After reviewing my account, while I waited on the phone, she was unable to provide any answers. She said she would look into it further and return my call the following week. As of Wednesday the following week, she hadn't called back so I called her and XXXX told me the check was an error and the money went to closing costs. Considering I already paid {$15000.00} in closing costs, I find this difficult to believe so I requested a detailed explanation as to how this error could occur. She said she would have someone, who was more knowledegable in this area, return my call within 48 hours. No one called. I then called XXXX again on XX/XX/XXXX, got hung up on and when I called back, got her voicemail saying it is not accepting messages. So I then went through the whole process again to get answers and spoke with XXXX ( phone number XXXX ). She too, said someone would call me with an explanation within 48 hours and no one did. My last attempt was when I called XXXX on Friday, XX/XX/XXXX and left a message requesting a return call. As of today, XX/XX/XXXX, she has not. I am frustrated that no one can articulate to me why and how this happened with documented evidence. I have been getting the run around from employess for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Agency called my sister and father in an attempt to collect debt, they told them I committed fraud. I have not received and letters regarding debt after asking for one. They continue to tell me they are going to sue me and I will be responsible for court fees, they are gon na garnish my wages etc. they have violated several FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: FIRST HAWAIIAN, INC.
State: HI
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:
Summary : Requesting refund of {$1700.00} for a XXXX XXXX XXXX 4-pax flighXXXX booking paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX via my First Hawaiian Bank ( FHB ) XXXX XXXX XXXX XXXX Mastercard, under Mastercard 's Purchase Assurance and Trip Cancellation terms. The flight and all subsequent flights were cancelled due to COVID-19 and XXXX XXXX has since filed for the equivalent of U.S. Chapter 11 bankruptcy. FHB rejected the credit request claim. 

Per FHBs instructions for resolution directly with the merchant, on XXXX a credit account ( not refund ) was issued by XXXX XXXX ; then with the assistance of the U.S. Department of Transportation, onXX/XX/XXXX XXXX XXXX approved a full refund of {$1700.00}, but on XXXX XXXX X sent an email communication stating that it ceased operations and is going through the XXXX courts for credit restructuring, the equivalent of a U.S. Chapter 11 bankruptcy filing, and customer refunds are part of the restructuring. 

On XXXX a credit card transaction dispute was filed with FHB. On XXXX, FHB rejected the transaction refund request on grounds that the 60 day notification period had passed since the XXXX and XXXX notification. This is contrary to the facts that it would have been impossible to file a written complaint within 60 days of the transaction since the flight was scheduled on XXXX and following FHB 's instructions, earnest attempts were made to first make resolution with the merchant before filing a written complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and Equifax, XXXX, and XXXX have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, Equifax, XXXX, and XXXX   are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing bankruptcies that XXXX  has been reporting on my consumer credit report since XX/XX/2020. I have sent them multiple letters disputing the alleged bankruptcies explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my XXXX Credit report, I discovered that XXXX  used a third-party data company. On XX/XX/2020, I sent XXXX another certified dispute letter with supporting documentation. I received another letter from XXXX  stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. In every letter, I have sent to them I have included a copy of my state driver 's license and a copy of my social security card. After receiving the response from XXXX  in regard, I sent another letter requesting the items be deleted and enclosed a copy of my social security card, ID with my name and correct address as proof of my identity. I received correspondence from XXXX  stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.

Company response to consumer: Closed with explanation