BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
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 am an identity theft victim. Both XXXX XXXX and Equifax report that I had a chapter XXXX bankruptcy XXXX in XXXX. I deny that I had a bankruptcy discharge. XXXX XXXX agreed to stop reporting the alleged bankruptcy after I disputed it with them in XXXX of XXXX. I placed a security freeze on my XXXX XXXX report and XXXX XXXX confirmed placing the freeze on XX/XX/XXXX, so there's no way that Equifax obtained info on the alleged Bankruptcy discharge from XXXX XXXX in any disputes made with Equifax after XX/XX/XXXX. I've attached confirmation of the XXXX XXXX security freeze to this report. 

I filed an Equifax dispute to have the Bankruptcy removed. In correspondence dated XX/XX/XXXX from Equifax, Equifax states that the Bankruptcy will remain on my credit report because XXXX XXXX confirmed that the Bankruptcy listing is accurate. Clearly, Equifax  did not contact XXXX XXXX before denying the dispute. Had Equifax contacted XXXX XXXX to confirm whether the Bankruptcy discharge is valid, they would've received no information due to the security freeze. 

Further, Equifax could not have received information on the alleged bankruptcy discharge from US Bankruptcy court. I also attached a letter from US Bankruptcy Court which states that the court does not report information to the credit bureaus. XXXX XXXX nor Equifax could not have obtained info on the alleged bankruptcy from US Bankruptcy Court because the court does not report info to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My XXXX XXXX credit card is reporting as an adverse account on all 3 credit reports. This account was never paid late back in XX/XX/XXXX. I have rectified this with XXXX XXXX  over the phone over a year ago. Now this account shows as account this is paying as agreed and current. I have been requesting and disputing this information to please be corrected. It should be reporting under accounts that are satisfactory. Instead its reporting as paid as agreed and current but listed on my report as account that is potentially negative and will go to a positive in the yearXX/XX/XXXX This is ridiculous. And having it report under the wrong category is affecting my credit score. I am mailing out a letter to XXXX XXXX again today. It is also reporting twice on my report now instead of once. It should not be reporting twice. Its looking like I have 2 negative when its the same account. I am also complaining about the XXXX XXXX XXXX account that has been deleted off my XXXX  report because it was confirmed to be deleted however XXXX is still not removing it. And XXXX XXXX XXXX XXXX also was to be deleted but is still reporting.

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 2016-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have filed three requests with Trans Union requesting that they remove incorrect information from my credit profile. They refuse to do so.

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 2015-07-22
Company: Allied Financial Group & Associates (Closed)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Allied Financial contacted me in an attempt to collect a debt from a neighbor. On XXXX/XXXX/2015 a representative called my home and cell phone. The rep asked for me by name and advised me that I lived in close proximity to someone named XXXX. He then asked if I had seen or spoke to XXXX lately. I advised the rep that I did not know a XXXX and asked how he had obtained my information. He stated that it was public information and that he was well within his right to contact me about my neighbors debt. I advised him to not call my home or cell phone again in an attempt to collect a debt that I did n't owe and from a neighbor that I did not know.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-01
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:
On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of, over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over lawful time soon to be 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress 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 2022-02-01
Company: INTERFIRST MORTGAGE COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I started the mortgage refinance process with Interfirst Mortgage Company on XX/XX/XXXX. We spoke with XXXX XXXX XXXX XXXX XXXX at that time and rec 'd rate options, signed disclosures and submitted all the necessary documents for underwriting within the time range deadline provided of XX/XX/XXXX. We were provided an email XX/XX/XXXX stating that our initial loan application and documents were rec 'd and our file was now in underwriting review. 

We rec 'd no further correspondence from Interfirst Mortgage, so I emailed XXXX XXXX on XX/XX/XXXX, again on XX/XX/XXXX and again on XX/XX/XXXX. 

I called Interfirst XXXX times in the past two weeks with no return calls until I finally heard back from XXXX XXXX on XX/XX/XXXX and he was unclear on how to advise me on status of the loan. He stated he would have an underwriting manager call me and I have not rec 'd a call. I called Interfirst again today on XX/XX/XXXX and have not rec 'd a call back from XXXX 's supervisors / underwriting.

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 2015-09-25
Company: REPUBLIC MORTGAGE HOME LOANS, LLC
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
HELOC account involved in short sale XX/XX/XXXX. Republic Bank still reporting to my credit that it is late even after the bank charged it off XX/XX/XXXX. Stating payments of $ XXXX per month with {$28000.00} past due. During settlement, they got {$3000.00}. Prior to that I gave them XXXX and XXXX. I did everything I could to stay above water. I had several mortgages with them totaling over {$500000.00} and paid them all off. The HELOC funded those mortgages. Called Republic the other day and have had to call them back again and spoke with XXXX representatives, XXXX tried to get screen shots of my credit and the other, debt collector, did n't disclose as such and tried to get my divorce decree and said that once child support order is over for my exhusband he has a motion to garnish his retirement waiting. Needless to say, my husband and I got divorced over this, he left his job of 20 some years as he had to have high security clearance, we have lived in poverty with XXXX kids, they wiped out my bank account XX/XX/XXXX. They said the XXXX is missing. When I asked for an appraisal years ago, it too, was missing. I have a feeling the property was over appraised in the first place in order to facilitate me getting more mortgages with them. The second representative said I was faced with paying or bankruptcy again. I did n't file the first time when I easily could have, ditching about {$500000.00} worth of loans with them and I did n't. I paid them XXXX a month on that loan for many years. This is never going to end. I am trying to get into a low income housing program, and I ca n't because of this thing on my credit. Foreclosure would have provided me more protection. I bailed it out of foreclosure at least once in hopes of selling it, I rented it out trying to buy time, etc. At the time, Republic was so fierce and yelling at me all of the time. I have emails documenting some of that. They would call my husbands work about collections which is why he left. They were very difficult to work with trying to come up with a settlement. I also have those emails from the short sale person. I have managed to turn things around for the kids and I but now this is back.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-20
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enhanced Recovery Corporation has reported a collection on my credit report for a bill for service that was never rendered by XXXX XXXX XXXX in the amount of {$590.00}. I was never contacted by this company to have the opportunity to dispute the validity of this debt prior to it being placed on my credit report, which is a clear violation of the FCRA. Also, this bill has been disputed and removed twice each time by the credit reporting agency.

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 2016-10-31
Company: NAM National Arbitration and Mediation
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was told today on the phone that an old cell phone bill from 2002 I am going to be sued in XX/XX/XXXX for this debt, I was told the collection agency is n't suing me, its going to be litigated which has no statue of limitations.

Company response to consumer: Untimely response
Consumer complaint received 2015-05-15
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
my work phone ( XXXX ) XXXX has been called for more than XXXX times over the past 2 months ( average XXXX a day ) from XXXX, LOOKING FOR THE WRONG PERSON. I 've contacted them 3 times and they keep telling me my number is not on their calling list. But I keep receiving these automated calls as recent as this morning.

Company response to consumer: Closed
Consumer complaint received 2020-08-18
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased 4 utility vest from XXXX XXXX on XX/XX/2020 in the amount of {$100.00}. The order arrived in the middle of XX/XX/2020. I called customer service on the date the items were received and reported that it was my first time ordering from them and that every item I received was damaged or used. The customer service told me to return the items and use the return label provided in the packaging. I informed the customer service person that there is a fee for returns and that my order was damaged before I received it and she said that she would credit the full amount of the purchase but I must return all of the items. I returned them on the day I spoke with customer service. XXXX XXXX received the return on XX/XX/2020 and the return was processed on XX/XX/2020. I checked my credit card account and all of the funds were refunded and that resulted in a XXXX balance on my credit card with XXXX XXXX. Shortly after that my account was closed and then I started receiving a bill. I called several phone numbers provided by XXXX XXXX and the credit card stating that my account was closed. I could not log in to check anything because my credit card statement said the account was closed. I have spoken with all of the people necessary to correct this and all they do is send me a bill. Now my credit report states that I owe them and I do not have a single thing from them. I never paid them anything because the products were received damaged or defective. I received a call today/XX/XX/2020 from an unknown number and it was XXXX XXXX Comenity asking for payment. I refused and stated they need to check their records and not contact me again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
File Number : XXXX I submitted a dispute for a verification of accounts on my credit report that I did n't recognize as valid the account are as followed : XXXX XXXX BAL {$290.00} XXXX # XXXX XXXX XXXX XXXX # XXXX {$260.00} I had previously disputed these accounts. I have never done business with any of these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of these debts

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 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed the account below with TransUnion and it was verified. 
XXXX XXXX I requested a reinvestigation. On XXXX, the TransUnion results stated, " New Information ''. 
There was no " new information ''. I have included a copy of the reporting account from XXXX 2016, and the " reinvestigation '' results from XXXX 2016, and the account is reporting the same information. 
On XXXX XXXX, 2016, I requested from TransUnion the method of investigation, since clearly there was no new information. This request was received by TransUnion on XXXX XXXX, 2016. 
As of XX/XX/2016, I have had no response from TransUnion. As per the FCRA, the 15 days has expired. 
On XX/XX/2016, I sent a letter to TransUnion stating the time limit has expired and the account must be deleted from my credit report. TransUnion did not reply and the account is still reporting. 
Since TransUnion obviously did not contact XXXX XXXX and can not give me any information on this account, or even prove it is mine, it must be deleted from my credit report. TransUnion refuses to do this. TransUnion also refuses to respond to my CFPB complaint without my authorization, so I am giving TransUnion my consent ( authorization ) to investigate the CFPB complaint and to communicate to the CFPB regarding my credit report and the complaint.

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 2017-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My interest rate on my auto loan through capital one is only 16 % or so and I am paying 100 % interest. My auto loan started at {$19000.00} XX/XX/XXXX 2015 I have paid roughly {$8200.00} in payments and my principal balance only went down {$200.00} since the purchase 16 months ago. {$200.00} is all that has been applied to the principal balance so {$8000.00} in interest is way over 16 % that I had agreed to. My last payment I paid {$650.00} the regular payment is only {$540.00} they applied {$540.00} of that interest for last month and they do this every month. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Harpeth Financial Services, LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a flex loan with Advance Financial. I took out a {$1200.00} four months ago and I still owe almost the same amount. I have paid extra and still ca n't get the loan reduced. I have tried to work out a reasonable payment but they are asking for extra payments instead. Right now, my annual interest rate is 270 %, and all I was told was take out bank loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: OneMain Finance Corporation
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : XXXX - ONEMAIN FINANCIAL XXXX XXXX XXXXXXXX XXXX ( E-CASE ) AND RE : XXXX - ONEMAIN FINANCIAL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( E-CASE ) I can not find a better way to address this, as i have never received an Initial demand letter of any kind from this firm in relation to either of these cases. 

The firm did in fact violate FDCPA by filing both of these cases in separate courts and or counties and did so by never ( to this day ) having my corrected address. 

The firm never sent an initial demand notice providing me 30 days for a hearing, they never served me, nor did they serve a responsible party that would convey the signed affidavit waiving my rights and or that legal action was going to be taken against me. Case XXXX signed by " XXXX '' This person is not someone I would trust with my light bill, let alone a debt that is worth more than the vehicle I drive. 

The fact of the matter is that I showed up in court on multiple dates ( RE case XXXX ) to explain that I don't live in XXXX XXXX anymore, and im back in XXXXXXXX XXXX ... .. and the attorney never once stated i was already had garnishments executed against me XXXX RE Case XXXX ) AND that they are trying to execute a garnishment for a company I never worked for initially. 

-Harassing process servers influencing a roommate to sign for me, resulted in me never getting knowledge of the debt. 
-Never getting initial demand notice from collectors at ANY address. Including the newly updated address in the correct county - XXXX XXXX -Multiple attempts to hand attorney my new address when in court cases in XXXX XXXX XXXX try to assist -Communication several times with the firm that Bankruptcy was going to have to be the end result ( when I could afford it ) -The origin of the debt is of unsecured nature However, upon questioning the need for additional funds .One main had knowledge this was a purchase for an Engagement ring that is no longer / has not been in my possession for several years ( my ex fianc did not give the property back and sold it for a lessor value and kept the funds ) -See XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Never did I work there, and you all should have had returned mail for any address associated with that Credit union ( as this was a bank that held a lien for a prior repossessed vehicle ). 

The practices are predatory, and even to someone like me that knows the FDCPA you seem to be able to pull one over on the consumer by slide of hand. 

I tried to even provide this attorney my new address, and it was declined .... I can not believe you are allowed to deal this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I believed some of the information on my credit report are incorrect and should be removed immediately in 2009 I was rear-ended by another vehicle by no fault of my own immediately following the accident, I was removed to the hospital and received medical care and released. Afterward, I also received medical follow-ups with different doctor 's and received XXXX, up to this day after checking my credit report I noticed I still have collection notices on my credit report for the XXXX I received after the accident, in-spite of the fact I had hired an attorney to represent me and who close the case and assured me all the medical bills had been paid. For some unknown reason, those collection notices are still on my credit report and are causing a lot of XXXX moments the medical problems which I am currently suffering.

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 2016-10-27
Company: Executive Title Company
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
XXXX is representing the seller of a property in XXXX, KY for the purchase of a new home in XXXX, KY. Proceeds from the sale of their current home will be used for the purchase of the new home. XXXX has requested the title company to provide a prelimary seller side CD to verify funds needed to close. After tow weeks of requesting the Title Company ( Executive Title ) will not comply with our request.

Company response to consumer: Closed with explanation