BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: AZ
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 XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently looked at my credit report and noticed numerous fraudulent unauthorized credit inquiries listed on my credit report for the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XX/XX/XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this complaint. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2017-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was amazed when I viewed my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is against XXXX XXXX XXXX, not sure if they go by other XXXX names. I spoke to Dept of Justice, Attorney Generals office, agent XXXX XXXX the other day and new developments have been made in this case. This creditor has been collecting from XXXX ( XXXX XXXX ). I was out of the country and missed my mails. Upon return I saw this comcast account been in Collections. I immediately called XXXX and the Executive Regional Team helped me with this account, she told me upon full payment, all credit collection activity will be removed. So I paid this in full. However, couple weeks later till date, this account still appears on my credit report. 
I called Collections company today, spoke to agent named XXXX XXXX, I told him that XXXX XXXX has authorized this account to be removed and deleted, he laughed and said why would he do that. I also told him that I spoke to XXXX agent and I was informed another name this Collections company go by, he told me he does not care about XXXX  or any letter received from XXXX  or XXXX XXXX XXXX complaints. He abruptly hang up on me. 
XXXX XXXX XXXX  are a corporate group offering Accounts Receivable Management ( ARM ) and Business Process Outsourcing ( BPO ) services. XXXX has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act ( FDCPA ) such as failing to provide verification of a debt. If you have been contacted by XXXX, make sure you know your rights before responding. 

I pray and request if your office can help me bring any Justice from this Collections company abuse and disrespectful behavior of their employees, such a disrespect and unethical way of conducting business, XXXX there are numerous complaints filed against XXXX with XXXX XXXX XXXX. I would like this Credit Collection to be removed from all 3 credit bureaus, this is affecting tremondously financially and inability to get any loans. Here is the email from Comcast Vice President. Should your office need further info, pls kindly let me know. 

Respectfully 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 non-monetary relief
Consumer complaint received 2016-11-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is reference case # XXXX. I did n't know how to amend the complaint with additional information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned their Mortgage to Bay View Loan Servicing, LLc, and it was recorded. 
Bay View Loan Servicing LLC. assigned the Mortgage to XXXX XXXX XXXX XXXX. 

The assignment was not recorded with the register of deeds. XXXX XXXX closed our acct. as their lien was extinguished. However when a title search is conducted, Bay View shows up as a lien holder on the property. We can not get a loan or sell the property with this showing up on the title search. 
Please, how do we rectify this? The Lien is Extinguished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Hello XXXX  os a high interest credit card company that hires employess that are not mandetory script to answer correctly to your questions. I spoke to a rep about my accoint being late. They told me that my accou t information was incorrect thats why I was charged a late charge. They said they would fix it and I would be set up for automatic payments. THIS DID NOT HAPPEN I TRIED TO CALL AND NO ANSWER AND I GO ONLINE THERES NO WAY TO SETUP AUTO MATIC PAYMENTS. THE REP LIED OR JUST WASNT LISTENING THEY AGREED TO SET ME UP FOR AUTOMATIC PAYMNETS AND DID NOT. THEY ARE UNPROFESSIONAL THEY RUINED MY CREDIT I NEED THIS UPDATED. ALSO I HAVE LATES XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: LA
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2021 XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 12. The followng information is incorect XXXX XXXX XXXX Account Number : XXXX Delete this account. 13. The followng information is incorect XXXX Account Number : XXXX Delete this account. 
14. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: ALLY FINANCIAL INC.
State: AR
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:
the following hard inquiries are fraudulent.ally, 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 2021-10-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called reported only got through too 1 institution.Other institutions was not answering or even giving the options to talk to some one that can help me.But the one I did talk too I explained who I was and they said they had no record of me of my info but it clearly stated there info on My XXXX XXXX. I was locked out of XXXX XXXX for about 1year and my wallet was either stolen or I lost it about a year in a half ago I Informed the agencies or in other words institutions that I had been a victim of fraud and/had been a victim of fraud after finally, Regaining Access too My XXXX XXXX My Credit score had dropped I had all these hard inquiries and fradulent open accounts and I hadn't use/applied for any thing with in the last 2 years besides my apartment that I live in and unfortunately I can't apply for anything right now and I have a XXXX XXXX XXXX XXXX and all these hard inquiries are on my report card on XXXX XXXX is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Avant Credit Corporation
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan XX/XX/2019 in the amount of {$10000.00} and the amount financed is {$10000.00}. I realized what the interest rate is on the loan and decided to cancel the same day. I called the customer service number and was advised I needed to call before XXXX XXXX  Central time in order to cancel. I called XXXX MST. I have searched The website and no where does it mention you have to call before a certain time, the same day in order to cancel. Per your website If your loan has already been funded and you would like to return the funds, you can do so at any time with no prepayment penalties by scheduling a full payoff on your dashboard. Please be aware you will be responsible for interest that accrues on the outstanding principal balance as of the funding date listed on your loan agreement. Per my documents the funding date shows to be XXXX XXXX. I have spoken with different representatives and managers and no one has been able to assist with a resolution which I have been advised that I would have one by XX/XX/2019 which is todays date. I sent all of the funds that were received back as soon as they hit my account which was XX/XX/2019 but I still have the administration fee. Today is the first time that anyone has even provided an email to reach out.I am requesting that funds that are still showing owed, The amount of {$490.00} is waived due to being misinformed and lack of information about the cancellation. Please respond as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received an email from a company named XXXX. This is a company i use to protect our computer from viruses. The email stated that they had withdrawn $ XXXX from my account. I immediately called this company and they told me they will refund me my money and all i had to do was walk over to my computer and log and go on my bank account and they will transfer me the money immediately. I believed them because when I went to my computer they were on there and i assumed no one else would know how to hack my computer. As i trusted this process the lady was directing me to input XXXX and suddenly the screen went blank and the representative came back on the phone and was explaining how i pressed something by mistake and now I had {$20000.00} of their money in my account. The lady kept insisting I had to return her her money. At this time they had full access to my bank account and they transferred money from my savings account to my checking account to make it appear that those {$20000.00} that was in the checking account was a mistake i made and now their money was in my account when in reality it was my own money they had transferred. They also had access to private notes i have on my XXXX spreadsheet including log in information and passwords. They transferred themselves from an online chase banking services {$14000.00}. When I realized this had happened i ran to the bank no more than 10 minutes after i noticed and the teller at the bank was closing and told me that she couldn't help me and to call the mortgage center online and to send them an email. I immediately did both. The bank teller told me they shouldn't approve it if i had never done a wire transfer before & they will have to call me first to make sure I had authorized this wire. I have never wired any money from this account in the past 12 years that i bank with Chase. When i called no one was available at the fraud department and i sent 3 emails and i didn't get a response until the XXXX. By then the wire had gone through and the money had been withdrawn immediately. I was then told by chase bank that they had no money to return to me because the wire had gone through and the money was not available anymore. I found out that during this time Chase had cut down on workers and changed the fraud department hours and that is why noon was available immediately to cancel that wired. I have written several letters to Chase, I have gone in a branch here in New Jersey, I went to another branch in California and i have called numerous times and at first i wouldn't get an answer and then finally they told me they had denied my cliam. I asked them to send me the letter of denial and they wouldn't send it. I went into a branch that finally had the letter printed for me and recommend you to me. Please help me with this fraudulent activity on my account. This is money i had saved to help my son with college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 don't recognize this account, i don't have any agreements with this company, i never sign anything.

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 2015-04-01
Company: ProCollect, Inc.
State: TX
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:
Every call with the collector has been rude and abrupt. I have made an attempt to make a partial payment online which I was later told would not go through. i was told that I could not qualify for settlement because the balance was less than {$500.00}. I was told I could make payment in full for deletion because I was calling a day later than when the deletion was offered. I was also told the only payment that could be taken today was for the full amount not for the partial amount. I am certain there are XXXX complaints about this same agency. They make no effort to communicate appropriately or to actually get the debt paid. I would think that paying something is better than not being allowed to pay anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is a followup for claim No. : XXXX Per the resolution of the claim above, the escrow company accepted responsibility to pay the penalty that we incurred for not paying our taxes on time. 
To date we have not received any payment. 
After several attempts call them, with no response from anybody, I sent them emails, attached is their response saying that they are still collecting documents. Although we submitted all documents in the above referenced claim .... 
For any additional questions please feel free to call me at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello XXXX  os a high interest credit card company that hires employess that are not mandetory script to answer correctly to your questions. I spoke to a rep about my accoint being late. They told me that my accou t information was incorrect thats why I was charged a late charge. They said they would fix it and I would be set up for automatic payments. THIS DID NOT HAPPEN I TRIED TO CALL AND NO ANSWER AND I GO ONLINE THERES NO WAY TO SETUP AUTO MATIC PAYMENTS. THE REP LIED OR JUST WASNT LISTENING THEY AGREED TO SET ME UP FOR AUTOMATIC PAYMNETS AND DID NOT. THEY ARE UNPROFESSIONAL THEY RUINED MY CREDIT I NEED THIS UPDATED. ALSO I HAVE LATES XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX Inquiry : XXXX. 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