BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
It is mandatory that consumer reporting agein a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : 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 explanation
Consumer complaint received 2021-05-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My chapter XXXX bankruptcy has been discharged without any areas in XXXX XXXX, XXXX. Since then, I have made all my monthly mortgage payment on time. But my loan servicing company started to refuse my XX/XX/XXXX mortgage payment. The reason is they asked me to pay additional 3 months mortgage payment behinds, which were not existing. I sent them all my payments history and evidence to them but they couldnt give any response and answer. Today I just received my XX/XX/XXXX mortgage payment check back for the same reason. What can I do at this point?

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 2016-09-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute because there was a fraudulent inquiry on my credit report. I spoke with the company XXXX XXXX and they cancelled the application. XXXX XXXX also sent out correspondence. I decided to dispute the inquiry however, Equifax is did not remove the inquiry stating " Inquiries are a factual record of file access ''. This violates FCRA. Equifax was suppose to contact the data furnisher to verify whether it was fraud. Obviously Equifax did not do anything because clearly Equifax feels all inquires are factual even if fraudulent. This is not the only time an inquiry was fraudulent and I received this dispute response. I have entered into litigation with Equifax before and I do not mind filing suite again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Attorney General of the State of Ohio sent expungement letters to Equifax requesting they remove XXXX liens which were on my report. I sent a certified letter to Equifax requesting the removal. I have heard nothing so far, and the items remain on my report as of XX/XX/2015. Please help me settle this dispute. I thank you for your time on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an account with XXXX XXXX on both my Equifax and XXXX credit report that is delinquent and closed ( written off ) that is not mine. I 've tried disputing, but it 's hard to prove something is n't yours. I 've tried calling the company the account is with, but am unable to even access the account because I do n't have the account number ( BECAUSE THE ACCOUNT IS N'T MINE ). I 've also NEVER received a bill for this account. I just found it when looking at my credit report one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax is listing multiple hard credit checks when they should be soft. Applied for a mortgage and a new car loan, XXXX listed every inquiry instead of combining them under one. XXXX has XXXX hard checks and Equifax has XXXX ... and they will not correct it..can you be of assistance?.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Purchased a new XXXX truck around XXXX of XXXX. Truck was totaled in auto accident XXXX of XXXX. XXXX XXXX received money from insurance company and released vehicle. A small balance was left but no statement was sent to inform me of the balance. 90 days passed before I was made aware and XXXX XXXX had flagged my acct as 90 days past due. I immediately paid the balance in full. I have disputed this numerous times and spent countless hours on phone with XXXX explaining the issue to no avail. The acct also continued to show {$0.00} past due after balance was paid in full. Please have the XXXX accounts removed from my credit reports.

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 2021-08-04
Company: EQUIFAX, 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:
XXXX Unauthorized credit inquiry XXXX XXXX XXXX XXXX Unauthorized credit inquiry XXXX XXXX XXXX XXXXXXXX Unauthorized credit inquiry XXXX XXXX XXXX XXXXXXXX Unauthorized credit inquiry XXXX XXXX Unauthorized credit inquiry XXXX XXXX XXXX Unauthorized credit inquiry XXXX XXXX XXXX  XXXX Unauthorized credit inquiry XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
It is mandatory that consumer reporting agein a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this XXXXNACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : 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 explanation
Consumer complaint received 2015-07-13
Company: Gitsit Solutions, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, I am writing this letter in regards of a recent credit check that I submitted and received. I am very concerned regarding an Adverse Account that was created by KONDAUR CAPITAL CORPORATE. This is a former mortgage loan I had in 2013. 

According to the credit check history, it shows a XXXX day past due payment for KONDUAR CAPITAL CORPORATE. I highly disagree with this information and its accuracy. I have paid on time since the loan commenced on XXXX of 2013, with the exception of the last month ( XXXX 2013 ) due to the loan was in the process of refinancing with a different mortgage company. The last payment was due on XXXX XXXX, 2013 and with a grace period to XXXX XXXX, 2013. The entire loan including the month of XXXX was ultimately paid off in full on XXXX XXXX, 2013. The pay off included a late fee of {$30.00} dollars was added to the invoice of XXXX and was also included in the payoff that was sent by the company that was refinancing my loan. 

In addition, all payments sent to KONDUAR CAPITAL CORPORATE was sent from XXXX XXXX XXXX XXXX a program that is directly enrolled to my bank account. This account has been sending the stipulated funds to KONDAUR CAPITAL CORPORATE on time. It should be noted, the original lender was XXXX and it transitioned to KONDAUR CAPITAL CORPORATE. Not sure if that had anything to do with it but according to my statements, all payments were made and received on time accept for the aforementioned month. There should be not derogatory information of a XXXX day past due from KONDAUR CAPITAL CORPORATE. The first month of XXXX of 2013 was paid on time and the last month of XXXX 2013 was paid off with the total amount of the full loan amount on XXXX XXXX, 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Resurgent Capital Services L.P.
State: FL
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:
LVNV Funding, LLC at XXXX XXXX  XXXX XXXX, SC XXXX, has reported an account on my credit report with a balance of {$870.00}. I do not know this company. I DO NOT have a contract with them. They are not the original creditors. I have never done business with them and I do not owe them any debts. Resurgent Capital Services claims to manage the account but LVNV Funding, LLC still owns it and is the one reporting it. I do not do business with either of them. 


- NO CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
As noted in the letter CFPB Case No. : XXXX, An offer was made to pay XXXX. However. Im rejecting this offfer on the grounds that I should have never been asked, to assume a debt of XXXX, ther card was issued to me with a debt of XXXX i was coierced into assume the debt by a discover rep who told me that discover would attach a lein on the property that I inherited, my credit report still shows a charge off of XXXX. I recently received a collection letter from XXXX to collect a debt of XXXX If Im offered a settelment to pay XXXX why does my credit report still reflect the the amount of XXXX. Im asking that you remove all references of this from my credit history with all XXXX major credit credit reporting agencies.I will excercise all my rights as a consumer in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I Paid my credit card ending in XXXX in full on XXXX in the amount of {$890.00}, the posted the interest charge after the payment so a balance of {$7.00} when unpaid for a month, when i realized this I called and they apologized updated the account as not being late and did not pay the late charge ; they said they were going to remove the misinformation from the credit report but never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: CORELOGIC INC
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The following companies performed hard inquiries into my credit without my knowledge with damaging consequences to my credit report. When i contacted each the response was always a ) they wanted more personal information b ) they blamed someone else c ) were unable to help me by removing them : XXXX XXXX XXXX XXXX, XXXX XXXX. WONT REMOVE UNTIL XX/XX/XXXX.,XXXX # XXXX, Credco XXXX XXXX XXXX, XXXX XXXX . # XXXX XXXX WONT REMOVE UNTIL XX/XX/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 explanation
Consumer complaint received 2021-05-21
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: Account status incorrect

Complaint:
I started a dispute on XX/XX/2021 with Equifax, by law they have 30 days to complete their investigation. Has of today XX/XX/2021 they have not completed their investigation. 

Their behavior is a violation of Federal law. They violated the law by keeping, reporting negative item which was over 8 y old

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: EQUIFAX, INC.
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 was going over my credit report and I found several addresses and accounts that do not belong to me. My name is XXXX XXXX XXXX Please remove any variation of my name they are not accurate. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My SS XXXX and DOB XXXX. Please remove the following addresses they are not accurate:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX , XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX . I was a victim of fraud and someone in XXXX XXXX was using my name for account and credit. I have never liver in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On my free credit report from Equifax , an incorrect address, one where I have never lived is shown. To dispute items on the report, it says go to " XXXX '' Over four days, my computer ( s ) can not connect to this site. I suspect it has been engineered to make it impossible for people to correct errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX I called the Equifax Credit company, so i can Dispute an account On My Credit file I gave the name Of the Creditor Which is XXXX, I went on online several times To check the status with no results. 
The Reason I was dispute this account Is because, This account It was included On My Bankruptcy XXXX And I had Been Dismissed since XX/XX/XXXX, to my understanding every account included in My Bankruptcy should be Deleted out my Credit File. 
As a today I have n't heard anything from Equifax at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
. 
EQUIFAX fails to remove the XXXX XXXX account information. EQUIFAX reports incorrectly the account CREDIT LIMIT is {$4000.00}. EQUIFAX reports incorrectly the SCHEDULED PAYMENT AMOUNT is {$130.00}. EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
I opened a credit card account with Capital One in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was discharged in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, XXXX did send a report, and I got some XXXX information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
. 
I spent this evening trying unsuccessfully to fill out XXXX 's Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( XXXX ) different errors that did n't happen. No help there. 
. 
I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX From XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am trying to get a VA loan but can not because of credit report issues. Issue is with where banks obtain their credit reports from. XXXX in particular that I am aware of Equifax Mortgage Solutions. The credit reports I receive do not show any balance, amount delinquent or duration as mentioned in the XXXX disclosures. The bank 's credit reports however do show outstanding and delinquent amounts. I am retired and my physical abilities are starting to diminish and need to find suitable housing for myself and my spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I have been banned from using MoneyGram. 

I have had a MoneyGram account since at least XX/XX/XXXX and maybe longer. I last used my account on XX/XX/XXXX and received an email from MoneyGram on XX/XX/XXXX regarding the new and better services they offered. 

I tried to use my online account XX/XX/XXXX to make a bill payment and was unable to " log-in '' to my account. I tried to reset my password on-line and was direct to call MoneyGram customer service. I did this and was informed that MoneyGram would no longer allow me to use their services. I was told that If I wanted to send money, I would have to use another service. Thereby effectively banning me from their services. They would not give me an explanation. 

I called back XX/XX/XXXX hoping someone with more authority would be in the office on Monday, that way my issue could be escalated. My concern was escalated to the " highest possible level ''. I was informed that my account was indeed " banned '' without any explanation and that I could file a complaint on " their '' web site if I had one. I told them I thought I was entitled to an explanation. They said they did not have to provide one for security reasons. I told them with the current attitude that filing a complaint on their website would be futile and that maybe someone with more authority, like the federal government should look into it. I also said I felt threatened and discriminated against for no reason. 

I thought maybe it was a fraud issue, so I contacted XXXX and asked them to check my identity theft account and to upgrade my account to their top level of security. They said they could find no reported issues with MoneyGram and me. I related my story to the representative. I asked them how I should handle the issue. He stated that he had never heard of such and issue with MoneyGram. He recommended that I contact the FTC. 

I would appreciate any assistance in resolving this issue. I feel I have the right to know why this happened. 

In summary, I have been banned from using MoneyGram with no explanation as to why this occurred or if this is permanent. I have done nothing wrong and have never been accused or convicted of any crime. I am a retired XXXX.

Company response to consumer: Closed with explanation