BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents the their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I disputed. Please resolve this matter as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Malcolm S. Gerald and Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted the agency on XXXX separate occasions for a VOD and they did n't send it. Then I told the rep who was very rude that I was disputing the debt in which she in turn stated that I did not have a valid dispute as they have my DOB. I called back to get the reps name and no one wanted to give it to me so they transferred me back to her. She told me to contact the insurance company for VOD that the company and client does not provide that. After arguing with her she finally consulted a manager who claimed they will be sending it. Her name was XXXX XXXX as she would not provide her full name to me. Rep was very argumentative and apparently does n't know the laws in which apply to her or her company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Nelson Cruz & Associates LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I send Nelson, Cruz & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX a certified letter to provide documentation on a debt they are pursing. to prove the debt they say I owe is valid over a month ago. They have failed to respond and keep emailing me when I have asked them to stop. USPS Tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi, I was contacted a few years ago by a collection agency saying I was a co-signer on a defaulted store TD Bank Retail Services store credit opened in XXXX. I had no idea what he was referring to as I have never cosigned on a loan before. When he mentioned the borrower, I knew who that person was. However, I advised the creditor that I never agreed to be a cosigner and do not know the " XXXX XXXX XXXX XXXX '' store where the credit was opened in. TD Bank then placed a default on my credit seriously impacting my credit. 

It's not possible for TD to have an application on file with my valid signature authorizing me to be a co-signer since I have never been to XXXX XXXX XXXX XXXX '' I filed a complaint with TB bank on XX/XX/XXXX, after I noticed the " charge off '' on my credit reports and requested the remove this from my report. After not hearing from them after several follow-up attempts, I filed a complaint through the credit agencies on XXXX. In XX/XX/XXXX I received a letter from TD that saying that my case was denied citing : Account history indicated prior knowledge of the account and that payments were being made to it back in XXXX. 

I was first made aware of the loan only after the call from the collector and I never paid a XXXX to it. It's impossible for the TD to have any legit signature of mine authorizing this credit. I have made attempts to reach out to the Fraud Risk Specialist on the denial letter, XXXX XXXX XXXX XXXX : XXXX ) but have been unsuccessful. TD has not provided any information that shows they have me on file authorizing me to be a co-signer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed for Chapter XXXX bankruptcy in 2009 and the accounts that were included in the case were listed as charge-off status. XXXX have the accounts listed as closed charge off. But after several disputes Equifax keeps listing the accounts as still open with no closed date. Therefore it is still showing up as an open charge off account and reporting as late and not closed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I requested review of my account for a loan modification from my new servicer SLS. I was in the middle of working on a loan modification with my prior servicer XXXX XXXX XXXX and then received a letter that SLS has my loan account now. Of course, I had to start all over with providing documents. I did this and then received a couple follow-up letters requesting the same things, which I provided. The last time I received a letter it was dated XXXX XXXX, 2016 requesting a XXXX for the 3rd time and/or my tax transcripts. I uploaded both of these to the SLS website logged into my account, as per the letter I received. Since then I have logged into my account a couple times and it wo n't let me see anything. Every choice I choose, there is an error message in red stating " The page you have selected can not be viewed at this time. Please contact Customer Care. '' I figured SLS received everything needed and was allowing 30 days for them to review. I 'm not stupid, I work for a mortgage company. I deal with loan modification requests all the time. This is ridiculous, continuously asking for the same stuff, just prolonging the review, and then denying for not receiving everything. I have not received a denial, but did receive a new letter yesterday basically telling me that I could qualify for assistance and that I just needed to complete the RMA and provide docs. I have done this already! What is going on??? Just review my account and let me know if I can keep my home or not. My husband is terminally ill and I am trying to keep up with everything - between taking care of him, the bills, the kids, working, and everything else going on. I am sick of the run- around that I get. I know that SLS needs to notify me whether they have received everything and can review and whether I have been denied or approved. I have not received anything since I uploaded the requested docs on XXXX 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 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capitol One is reporting inaccurate and old information to my credit report. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609that this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: IL
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:
The Chapter XXXX Bankruptcy public record was removed by Experian in XX/XX/XXXX because inaccurate information was listed. Although the public record was removed, I still have 2 accounts that still show the " included in Chapter XXXX bankruptcy '' remark, which I've now disputed over 12 times because the Status updated date is not correct and should match the date of when the case was filed in XX/XX/XXXX or the discharge date of XX/XX/XXXX. Neither date is shown for the XXXX XXXX or XXXX XXXX XXXX CO accounts . Each company has allegedly verified the information as accurate, which it is not!

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 2020-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates is trying to collect an incorrect amount on a debt from me, and they are also not licensed in the state of MN. PRA will not remove the innacurate information from my 3 credit bureaus though I have disputed the information numerous times with all 3. Now when they call me and I tell them that they aren't licensed in MN, they hang up on me. The last letter they sent me says it's from a debt collector, but it's not an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Upon checking my credit report I noticed a collection agency named First Fed Credit Control based out of Ohio reporting that I owe them {$340.00} for medical debt. I contacted this company and requested that they validate the debt by sending me a signed contract between myself and them showing that I owe this debt. After 30 days I filed a complaint with the XXXX XXXX XXXX advising of the above asking for a signed contract between first fed credit control and myself. They responded via the XXXX  website stating that they do not have a contract with me. So Im trying to figure out why they are attempting to collect money from me that I do not owe them and have been reporting this to my credit reports. I want them to cease all collection attempts and remove from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: United Student Aid (USA) Funds
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am responding to the recent response by USAFUNDS and XXXX XXXX. USA Funds did not respond to my statement that they have not entered disputed on my credit reports and that is illegal USA FUNDS is not doing this, and they need show proof that they have been doing this.

Company response to consumer: Closed
Consumer complaint received 2018-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 3 credit cards with XXXX XXXX XXXX XXXX with excellent payment history. 

In XX/XX/2015, my father passed away and I had to take on a huge financial burden. I contacted Capital One at that time to inform them and see if I could get any assistance with my payments. I was informed that I qualified for a hardship program and even though I made payments, They were still reported as late to the credit bureaus. I contacted Capital One and tried to dispute through the credit bureaus, but only received letters stating that the actions were valid. 

I always pay my bills on time and this issue is preventing me from having a good credit score that I deserve. 

Any assistance with this matter would greatly be appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is to inform you that SLS is charging me fees that are not mentioned on modification agreement, attached you will find statement from XXXX showing amount we agreed to, I understand that scow amounts can change every year, but a month later they sent a statement showing a different amount than he had agreed to. please find attached, modification agreement sign by both parties, XXXX statement, and XXXX statement showing different amount. 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 2015-06-08
Company: Northstar Location Services, LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
NorthStar Location Services , LLC has been contacting me nonstop. It 's for a debt they claim I owe from a credit card company. They did not validate the debt, they have called me when I sent a letter to tell them to stop, and they said that legal action will be involved. This is ridiculous. They are using illegal practices on me and it is unfair and unethical. This debt collection company has gone out of bounds and NEEDS TO BE INVESTIGATED ASAP! They ca n't prove I owe the debt, they ignored my letter that told them to not contact, email, mail, call, text me at anytime. All they can say is " we have no record of that ''. You do n't keep records because you are a unethical company. CFPB needs to investigate this company for debt collection practices. 

I have no money or assets for you to take from me. I do n't believe i owe this debt and I am tired of being harassed.

Company response to consumer: Closed
Consumer complaint received 2015-08-05
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased an apartment 7 years ago and I got a ballon mortgage. My mortgage was for {$180000.00} USD. Now I want to refinance my mortgage and the bank told me that I can not do that because now my apartment cost a lot less that when I bought it. I called the bank to request a mortgage modification, and they told me that the modification will affect my credit because, even though the account is up to date, that arrangement was not accorded when I first took the mortgage. What are my options? Is that even legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Capital One unilaterally closed my credit charge account on XX/XX/XXXX while I was traveling XXXX in XXXX, XXXX XXXX XXXX. I used the card to pay for a rental car " XXXX XXXX Rent A Car '' and one day later my account was closed without explanation. Capital One falsely/erroneously reported to the bureaus and myself that the account was closed " at the consumer 's request. '' I believe that Capital One 's decision to unilaterally close my account that was in perfect standing for 14 years was racially/religiously charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My concerns are about the multiple entries for several collection accounts in my Equifax credit report. XXXX XXXX XXXX XXXX ( XXXX ) has ( XXXX ) entries for the same day from the same creditor XXXX/XXXX/XXXX, but different amounts. XXXX also has ( XXXX ) entries for the same day and same creditor on XXXX/XXXX/XXXX, but different amounts. XXXX lastly has ( XXXX ) entries on the same day for the same creditor on XXXX/XXXX/XXXX with different amounts. This makes my credit report appear to have more accounts ( XXXX additional ) in collection then it should. It is not possible to have multiple accounts for the same day from the same place. I would like these taken off my credit report. 

Also, I had trouble logging into my Equifax credit report on line, because the security questions did not pertain to me. I wonder if this could have anything to do with identity theft? I did send a copy of my drivers license, social security card and birth certificate on XXXX, XXXX to Equifax in my complaint letter to : Equifax Information Services LLC XXXX XXXX XXXX GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting on my credit report under a account that is not mine : XXXX XXXX BANK. On XXXX/XXXX/2016, I requested Equifax to validate this information with XXXX XXXX BANK and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). I again sent another letter to Equifax USPS Certified Mail item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). Equifax has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Equifax had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per XXXX of the govt sites i 've been to. thank you for taking the time to hear me go on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Colony Brands, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX was contacted regarding my current credit report to see if items can be removed. This was when I was told that even when a bankruptcy is filed, the items still can report. however, some items should not have been on my report even prior to reporting. I was told that cause it was included on my bankruptcy that it couldn't be removed even though the item should have already reached the 7 year limit before bankruptcy. 


Agencies XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I RECENTLY WAS RELEASED FROM XXXX 2 YEARS AGO AND I HAVE FRAUD ACCOUNT IN MY NAME I WAS IN XXXX FOR A TOTAL OF 8 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland employees called me on personal cell phone which is required for work during business hours repeatedly despite having requested this stop. I was called in excess of once a day by different people working for plaintiff and more than 3 times per week on multiple occasions. While I was disputing debt with Plaintiff out of court, plaintiff contacted my spouse despite his name appearing nowhere on the alleged debt. Predatory scare tactics were used to make him pay on the spot money he didnt have and required a loan from another family member causing strain on family relationships. He was threatened with worsened credit score and heavily implied repossession of personal property and jail time. I was in the hospital unable to work the time and could more be reached and the only reason XXXX made a payment is because of being scared in paying under false threats. We are now being sued but the company during a time of global financial crisis. It is unjust and illegal.

Company response to consumer: Closed with explanation