BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-05
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2018 I became XXXX XXXX a few months after signing a 15 month lease with XXXX  XXXX XXXX  XXXX. Id had a 4 level XXXX XXXX in my neck, and even reinjured it, had a series of XXXX XXXX  XXXX, & at XXXX years old, became unemployable. I spoke multiple times with XXXX XXXX, manager at the property & executed a notice to move out. I was then, and am now, very ashamed. But I had little choice. Ultimately in XXXX of 2018 I was awarded full benefits effective XX/XX/2018. I moved because I needed a lot of therapy I could not get nearby. And I couldnt drive because of the XXXX. XXXX XXXX XXXX  came to get me after I XXXX, once right in the parking lot on the concrete. I was in a XXXX, then had a XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But I needed medical attention I couldnt get locally, and the only place that would take me was 27 miles away & I had to be there everyday. I sent XXXX XXXX an email asking for relief, but she didnt respond. I also asked for a copy of the lease, which I never signed, electronically or otherwise, but I did live there, I paid on time while I still had money & even though my pay from my employer ran out in XXXX I continued to pay but needed significant treatments. The issue now is that Im homeless, and can not rent even section 8 housing because of the collection of {$4800.00} they levied against me. Ironically, XXXX XXXX told me they had a wait list for new tenants and the unit would rent quickly and originally, within 2 weeks, they sent me a collection for {$9800.00}. Since the law is clear that they have to attempt to re-let the unit and mitigate the losses and there was a wait list IDK how they had the foresight to assess a {$9800.00} collection fee against me. {$4800.00} might as well be $ XXXX to me, because thats what it feels like. I called the collection agency representing the XXXX XXXX and they demanded {$3700.00} a one time 5 day take it or leave it offer. Ironically, this lease was my 2nd at the property and Id had no late fees or returned payments, Id written a very favorable Review ( since Id been complimentary of the managers ) published on XXXX and XXXX  that they promised a {$100.00} gift card for that Id never received. But when faced with XXXX  life changing circumstances, XXXX XXXX full time in college, I received a {$9800.00} bill amended to {$4800.00} later. But the facts are, I needed medical assistance I couldnt receive there. I couldnt have forseen the crisis I faced. Additionally, Ive been admitted 7x into medical facilities for XXXX  XXXX, 3x against my wishes. The company is the only one who can help me with this, yet attempting to talk to someone is met with disdain and once, she laughed at me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: JH Portfolio Debt Equities, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2021-06-05
Company: EQUIFAX, INC.
State: WA
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:
FTC Violations. Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Never worked here : XXXX XXXX XXXX *** Accounts that do not belong to me : XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX***XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX***XXXX XXXX XXXX XXXXXBalance {$230.00} Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXXXBalance $ XXXXDate OpenedXX/XX/XXXX*** XXXX XXXX XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX. This is a fair credit reporting act, FCRA violation. None of this was ever orally, written and mailed to me. I also have the right and request to get a copy of my identification submitted to the companies listed above verifying my signature and a copy of an ID card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lowes has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm not sure why i keep getting the same parrot information from the XXXX, XXXX, AND TRANSUNION that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called XXXX to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA.

Look that the 2 cases below : XXXX vs. Transunion revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate.

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, XXXX XXXX XXXX XXXX. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX   willfully violated 1681s-2 ( b ) when it reported the XXXX/XXXX and XXXX accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''.

Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly.

These cases above explained in detail how the true verification should take place with the bureaus.

I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.

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 2020-02-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my XXXX  credit report, the balance for my Victoria Secret Comenity credit card still indicates a balance of {$110.00} - it has not been updated since XX/XX/2019. Per the Victoria Secret Comenity credit card center, my balance is {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased the residence in XXXX with no escrow account. Chase inserted an escrow account when they paid my XXXX property taxes that I also paid, affecting the accrued interest on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I can't login to my myequifax account, always says " We are unable to complete this request ''. I wanted to login to freeze my credit but can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is third time that I filing similar complaint against Merrill Lynch Bank of America. 
They trying to avoid paying proper refund. They mailed me checks that is less {$650.00} that it should be

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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting an account on my personal credit report that is not mine and is a result of fraud. Credit reporting agency did not fix after initial dispute. Contacted XXXX XXXX XXXX to have account closed, but they did not remove it from 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 2018-05-16
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:
Letters sent out to the bureaus and nothing changed : XXXX XXXX   {$110000.00} XXXX XXXX XXXX : $ NO INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS ON MY EXPERIAN ACCOUNT ( 1 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 2 )  XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 3 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 4 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 5 ) XXXX XXXX # XXXX ... ... please help there are many many XXXX XXXX 's in the USA .... THANKS IN ADVANCE

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 2018-12-16
Company: HOVG, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company added a collection to my account for a debt which I dont owe. I tried to contact multiple times but I only receive a busy signal. I never received a bill or statement, just a collection added all 3 bureaus with no explanation of where the debt originated. All it states is " Medical '' on the collection however I have medical insurance coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX ( for Zales ) continues to call from blocked numbers, no caller ID numbers or spoofed phone numbers. The person calling acts as if they are a personal friend before engaging in debt collection information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/XXXX after having my card since XX/XX/XXXX and always making my payments Discover decreased my credit limit without reason by {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX violated my rights by not notifying me of my right to dispute. 

Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute.

As this is a clear violation of my rights remove asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One is misreporting a balance to XXXX  on a charge-off account that was settled. The account is reporting correctly to both XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: Account information incorrect

Complaint:
XXXX  XXXX is misreporting a balance to TransUnion on a charge-off account that was settled. The account is reporting correctly to both XXXX  and 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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Noticed an account on my report that does not belong to me

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 2018-05-18
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: Old information reappears or never goes away

Complaint:
The amount is {$700.00}. I disputed this and The account was deleted and then sold to other company and no it has reappeared on my credit. I was not notified about this. Please delete. It was put on my credit on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions 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 received a loan from XXXX in XX/XX/XXXX. I had some difficulty with the payments due to the pandemic. XXXX provided a month hardship deferral. According to my Experian report I fell behind in XX/XX/XXXX. However, the XXXX  reports shows a DOFD ( date of first delinquency ) as XX/XX/XXXX. I was shocked to learn that XXXX accelerated this loan after only 90 days, although the FDIC suggest 120 days for a close-end product such as this. It should be noted that with regard to XXXX the myFico combined report does not display any data for this loan.

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 2018-08-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. Equifax did not investigate. I spoke to the company the company said they notified all 3 companines to delete the account, from XXXX XXXX XXXX XXXX XXXX and XXXX immediatly updated and removed the information at the request of the collecition company. Equifax claimed that the company veified the account. I spoke with the company again and the rep verified once again they put in a notice to Equifax to delete the file equifax deleted the file and reinserted it 3 days later with no proofs and no prior notification. and aginst the companies request to deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: DISCOVER BANK
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Discover Financial, XXXX XXXX XXXXXXXX, and XXXX. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. The Account Opened is XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX and XX/XX/XXXX PennyMac Loan services alleged that I was late on my mortgage payment for the amount of {$3000.00} a month. I have asked PennyMac Loan services to please validate the debt, so I can put this discrepancy to rest. Pursuant Violations 15 USC 1692g, 15 USC 1692f ( 1 ) ( 8 ), 15 USC 1692a, 15 USC 1692d ( 2 ) and 15 USC 1692e ( 2 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Mills Escrow Company
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This compliant is being filed on behalf of the lender against the servicing company Mills Escrow Company in XXXX XXXX Texas. 

We have several notes being serviced at Mills Escrow Company. 

XXXX XXXX XXXX sold a note to XXXX XXXX and we notified Mills Escrow on XX/XX/2018 that the note had been sold and they already have existing accounts for XXXX XXXX so that he was going to continue having them serviced at Mills Escrow Company. 

I sent several other emails in XX/XX/XXXX and XX/XX/XXXX and as of yet they have not transferred the account continue to to send us payment when we are no longer the lender and first payment was posted in correctly making the principal balance not correct per the amortization schedule. 

We have filed a complaint on two other issues with the with the Department of Savings and Mortgage Lending but were told that they could not handle our issue we would have to file a complaint with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX, amount of {$1200.00}. I have filed a Police report for XXXX XXXX. XXXX XXXX has removed this account from all three of my credit reporting agency. However XXXX XXXX is now reporting the fraudulent account XXXX XXXX to my XXXX credit reporting agency and has not responded to remove this fraudulent account.

Company response to consumer: Closed with non-monetary relief