BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an unverified account from Calvary Portfolio Services, LLC. I have previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe.

Cavalry Portfolio Services , LLC has reported a collection on all 3 credit reporting agencies onXX/XX/XXXX & XX/XX/XXXX. I sent registered letters to Cavalry Portfolio Services , LLC requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX andXX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received.

Again they failed to provide the information I requested. Instead, they sent letters dated XXXX & XXXX   requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''.

I have requested that Cavalry Portfolio Services , LLC, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio Services , LLC is unable to provide the above identifying account information, this account must be deleted from all 3 credit reporting agencies. This account is effecting negatively on all 3 credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue.

The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency ; nor ( 2 ) provide me the account 's the date of last activity.

I have not now, nor ever had any contractual obligation or arrangement with Cavalry Portfolio Services , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXX XXXX XXXX/XXXX  US SM BUS ADMIN ODA XXXX/XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. Thank you.

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 2019-10-01
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:
On XX/XX/2019 i became aware of some fraudulent accounts reporting on my credit report. i did not ever consent to any of these accounts ever being open nor have i ever filed for bankruptcy in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this company is reporting negative, false, misleading wrong information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Bureau Name ACCOUNT RESOLUTION SERVI i paid them in full the are reporting on my credit bureau report that i still owe them and paid in full

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 2018-05-24
Company: LEXISNEXIS
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 status incorrect

Complaint:
Collection company listed on my Lexis-Nexis Report ... ( Not Me ) Listed incorrect should be removed ..

XXXX XXXX XXXX Nor a XXXX ...

XXXX XXXX XXXX?

Amount XXXX?

Also ...

Address Listing Eviction Notice XXXX County. ( Not me ) Listed incorrect Should be removed ..

XXXX XXXX XXXX XXXX, NJ XXXX And other addresses listed below ....

Some one else, Relative?

All Above Wrong information allready removed from my XXXX, XXXX and XXXX Credit Reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Opened new mortgage with BBVA Compass in XXXX first payment was due in XXXX XXXX. By my calculations my amortization is off. They are showing a balance of {$55000.00} and I am showing the balance should be {$54000.00}. Therefore charging me more interest that what I should be paying. I have been on auto debit since day one and have never been past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : I have wrote several of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : CREDIT MANAGEMENT LP XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and  drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX, we applied for a conventional mortgage re-finance through multiple companies, including Better ( better.com ). 

In each of these companies, including Better, we submitted information that the companies requested : personal details, financial details, proof of homeowner 's insurance, etc. 

On XX/XX/XXXX, the company which holds our homeowner 's insurance sent an e-mail notification that the mortgagee on the policy had changed to Better. 

As of this date, we had NOT received an initial closing disclosure, we had NOT given Better authorization to make this change, and we had NOT even been approved to set a closing date. So we also did NOT have a closing date set. 

On XX/XX/XXXX, we reached out to Better and reached their customer service ( extremely friendly ) however was told that the person responsible for our mortgage was unavailable and that we had to wait. 

As of the writing of this complaint, Better has not provided the specific written authorization that we provided for them to set themselves as mortgagee. As of the writing of this complaint, we believe that we have NEVER given them authorization to make this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
applied for a XXXX loan, XXXX XXXX sent XXXX to the school, the school then returned XXXX ( half of the loan ) to the bank. XXXX XXXX denies receiving money, then later said they had it, now denies it again. school has not received the total XXXX ( only XXXX ). This has been over a year i have been struggling with it. I am paying interest on a XXXX loan when i have only received XXXX and the bank is uncooperative. i never receive call backs when promised, and each time i call i get a different answer for where the money went. I think it is ridiculous that i bank has LOST my XXXX XXXX DOLLARS!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I applied for Capital one credit card. Capital one sent me a paper with my interest rate based on my credit score. It used XXXX credit score of XXXX in FICO Credit Score range. Capital one explained that it is a good credit score ( not excellent ) and therefore I will get a middle interest rate ( 18.99 % rather than 13.99 % ). I have been monitoring my credit score with XXXX and it was XXXX ( on XX/XX/XXXX ) using XXXX XXXX which corresponds to an excellent score. I also have an excellent credit score from other two major credit bureaus.On XX/XX/XXXX I signed up with XXXX  credit monitoring plan to check my actual score on XX/XX/XXXX using historical data but was unable to find it. On XX/XX/XXXX I contacted XXXX  through phone ( no other options are available ). I was told that they only have access to my today 's credit score and  they can not give me any information about capital one inquiry. To summarize I want request XXXX to release my credit score ( that was reported to Capital one on XX/XX/XXXX ) to me. In case if there is mistake occurred in my score i want XXXX to report my updated score to the Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Capital One Credit Card where I make a XXXX dollar minimum payment. I previously went through a Financial Hardship and had been late on making a few payment In 2015. I contacted Capital one myself directly and entered into a payment plan to uphold my responsibility and said agreement that they proposed. After said agreement was completed and I was back on track as I even brought myself current earlier than the plan allowed for I came to find out a while later that I was reported as never have being made a payment and Late for a period of 6 months or greater when I was making payments during said time under their provisions. As a result my interest rate has been increased ever since the event and I have tried to obtain another card to take advantage of a lower credit card rate or offer as well as save interest and get out of said debt but the information being currently reported is hurting me from obtaining another Card with better terms.I want to make it clear that I have had stellar payment history prior to the Financial Hardship as well as thereafter. I have been carrying out my obligations effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX DOB XXXX SS XXXX I have a ton of addresses that are not mine and are not correct. 
XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN 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 2019-05-22
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: Account information incorrect

Complaint:
Unauthorized accounts appear 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
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
50 days ago, I sent a letter to Equifax asking them to investigate and correct errors on my credit report. So far, they have not responded, and they are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Paramount Recovery Systems, L.P.
State: LA
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:
XXXX  has been non-compliant with removing the unverified account PARAMOUNT RECOVERY SYSTEMS Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PARAMOUNT RECOVERY SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions 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:
I am a victim of identity theft ; I discovered accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. None of these accounts are mine ; I did not open them nor have I ever gave anyone permission to open them in my name with my personal information. I have reason to believe that these accounts belong to my father XXXX XXXX XXXX. I have already filed a police report regarding these accounts. I do not have any written/verbal contract with any of those companies and I never allowed them to run or access my credit file. I never gained anything from these accounts such as money, goods, services or any other benefit.

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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft ; I discovered accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. None of these accounts are mine ; I did not open them nor have I ever gave anyone permission to open them in my name with my personal information. I have reason to believe that these accounts belong to my father XXXX XXXX XXXX. I have already filed a police report regarding these accounts. I do not have any written/verbal contract with any of those companies and I never allowed them to run or access my credit file. I never gained anything from these accounts such as money, goods, services or any other benefit.

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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019 i became aware of some fraudulent accounts reporting on my credit report. i did not ever consent to any of these accounts ever being open nor have i ever filed for bankruptcy in my life.

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 2018-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a continue of your case # XXXX- PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Once again they pulled my credit file for all three Credit Bureaus on 05/08/2018- they mail me a letter post marked XX/XX/XXXX mailed for there XXXX XXXX XXXX XXXX XXXX Ca XXXX office : and tried calling 4 more times : this letter had 8 pages all computer generated with there letterhead and cut and pasted XXXX invoices : I am disputing this account and letter and the content Full prejudice : there cover letter states that theses copies of doc of this account " witch establish its validity '' it dose not prove I am the person that open this account-it also has public information that was pulled from the credit Bureau which they have had Prior and after the bankruptcy that there client was listed XXXX : 1. the prim and only invoice with any Activity of use of the alleged CC. dose not have a print date only a due date of XX/XX/XXXX it has 12 charges let it be noted # 12 is a insurance protection charge of {$12.00} This company does not have any record of signed contact with me : possible insurance fraud by the co. # there was a payment of XXXX made I have had the same bank for 10 years no payment exist for XX/XX/XXXX to XXXX let it be know I have only open three credit Cards from the time of my Bankruptcy one was open XX/XX/XXXX and the other two XX/XX/XXXX and XX/XX/XXXX none were XXXX : PORTFOLIO RECOVERY ASSOC has continued to ruin my credit as of this month my FICA went from XXXX back down to XXXX in two days it took over a year to get it back up from XXXX to XXXX they play this game to destroy people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX, behind on my mortgage, and so requested a modification in XX/XX/XXXX. I have completed the package and tried numerous times to send it in via XXXX XXXX XXXX ( Provided by Mortgage Company Ocwen ) for the last 2 days. All attempts failed. 

Last night I sent it in via my XXXX account. I have called Ocwen ( XXXX ) and can not as of Friday ( XX/XX/XXXX ) XXXX XXXX. CONFIRM RECEIPT. I spoke to XXXX ( Em # : XXXX ) and she advised me that she sent an e-mail to my " Loan Modification Specialist. " In calling today, I was for the first time alerted to the fact that my house is to be auctioned on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation