BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: CT
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because its holding me back from getting approved for a car .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these issue on : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These 3 accounts are not mine, my name is incorrect. Please remove 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 2017-12-07
Company: Experian Information Solutions Inc.
State: LA
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 an Account appearing on my credit report named XXXX XXXX. I have contacted both the company and the credit bureaus trying to have this removed. The credit bureau kept saying it was accurately verified. I made contact with both the credit bureau-Experian & XXXX XXXX to ask for proof of how. When I called XXXX XXXX they stated that I do n't have an account based on my SSN. When I contact Experian they said the company verified the account. I have sent multiple letters and made multiple phone calls that this info is not reporting correctly on my report and should be removed. 

I have done further research and this company " XXXX XXXX '' is not licensed to collect in my state " Louisiana '' per https : //coraweb.sos.la.gov/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 2021-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX To Whom It May Concern Re : Account # 's XXXX re : last 4 of SS # XXXX XXXX : FTC report # XXXX Please be advised in my previous letters to you, dated XX/XX/XXXX, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. The accounts were opened thru fraud. I did not benefit from this fraud. I identified the person that I believe committed this crime against me, but Capital One did not try to pursue this person of interest, or even try to protect my creditworthiness from fraud. 

This identity theft affidavit, along with other identifying information was sent to Capital One, XXXX, and XXXX  on this date. Capital One, stated that they had performed an investigation on this matter, but failed to provide any discovery of information as to why they refused to follow Federal Law. 

XXXX  and XXXX, refused and failed to block these accounts per the FCRA. Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Federal Law, was ignored by both Capital One and XXXX  and XXXX. 

Capital One turned these accounts for collection over to the law firm XXXX XXXX XXXX. 
The law firm filed lawsuits against me for collection, and won default judgments for Capital One. 


Capital One, is still sending credit report updates on these accounts to the credit bureaus on a monthly basis and the credit bureaus are updating these accounts. Capital One and XXXX  are ruining my stellar credit rating, by posting this information. 

The law is very clear as to the civil liability and the remedy available to me if Capital One and XXXX  fail to comply to Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. 

I appreciate your prompt attention to this matter. 

Sincere regards XXXX XXXX Enclosure : FTC Identity Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our Mortgage Loan Servicing company Ditech has been illegally deducting fees that we do n't owe. We have tried since XXXX to get this issue resolved and continue to be given the run around. We have paid an additional {$44.00} each month for over a year for a home warranty. This payment has been included in our monthly mortgage payment and we have never been late nor missed a payment. Ditech took extra money from our escrow stating that they advanced payment on our behalf to the warranty company. This does not make any sense because we pay the warranty every month and there was no need for them to charge additional fees along with our regular monthly payment. Ditech has received many complaints concerning this practice. They have numerous lawsuits against them as formerly Greentree Servicing. They continue to do the same practices under the new name of Ditech. We have spent countless hours on the phone to no avail. We have never been late paying our mortgage in the 12 years we have lived in this house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
There were two cash advance checks that were charged on my CC ending in XXXX. 
The first one was for {$6000.00} on XX/XX/XXXX The Second was for {$9000.00} on XX/XX/XXXX Both checks were not written or signed by me. In fact, they were forged by my soon-to-be ex-husband XXXX XXXX. This is not my handwriting and not my signature. XXXX XXXX fraudulently applied for this card.

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 2020-03-28
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Please review the information provided and understand that I am a victim of fraud and misrepresentation. I have paid the outstanding amount that was borrowed within the timeframe that was explained to me. Currently, I am experiencing hardship because I am located in a FEMA designated disaster area and I am asking for you to review this interest charge and waive it. My original purchase date was XX/XX/XXXX, when I spoke with the representative at the store I was assured I had exactly 12 billing cycles to pay off the balance before the interest is charged for the year. According to my last statement, the interest was charged on XX/XX/XXXX. My payment due date for the last statement was XX/XX/XXXX. The salesperson at XXXX has engaged in blatant fraud and misrepresentation of your terms and did not provide any documentation as we signed on the pin pad for the agreement. We were told the packet with terms and conditions would be mailed but it was never received. 
Given the situation, we were calculating the payments based on the promised 12 statement cycle period. The original purchase was XX/XX/XXXX which was included in the XX/XX/XXXX statement. We paid our XX/XX/XXXX statement in full. The statement had an expiration date for the promotion of XX/XX/XXXX which was 5 days before the end of the statement cycle. The statement did not specify we have to pay the balance before the statement actually ends on the XXXX. We spoke to multiple supervisors who were very rude, including supervisor XXXX ID XXXX regarding this issue and they stated that they did not care about misrepresentation, fraud, or the 12 statement cycles we were promised and did nothing to help rectify this situation. Please understand my predicament, this was a simple mistake based on the information provided by the salesperson and the lack of definitive payment due dates that are missing from your statements. Moreover, a check was mailed to their company on the XXXX of XXXX. I provided TD with the check number and all the details and they are claiming that my check was lost. How convenient for the company to lose my check and charge me 30 % interest. Also to be noted, when I signed up for the card, I was never given, read or provided any disclosures. I also have not received them later in the mail. I had to call the bank and ask for instructions so I may be able to make payments online at least because I didn't even have my account number. Moreover, the bank closed my account unilaterally ( presumably because their partnership with the store ended ) but I was never notified about that until I pulled up my credit report and noticed that the account shows as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have responded to the first notice from Optimum Outcomes and provided them with copies of canceled checks showing the account was current and had been paid in full. I have repeatedly asked them to not call me that the number they had was also a business number, the owner of that number has told them not to call but they have ignored the request and continuously call. They will not leave me alone even after proving the debt was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Seen fraud inquires on my credit report that I did not do and sign up for

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 2021-06-19
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2021 I ran my credit report and noticed there was a collection balance of XXXX. 

I logged on to their website and paid the balance in full. The account wasn't updated. I then disputed the amount on my credit report with the credit agency but it still was not removed. I then sent a letter directly to XXXX XXXX along with a copy of the bank statement showing the funds were paid. The amount is still listed on my credit report. 

After receiving the payment in XXXX they sent me a letter stating I owned them amount that were now past the 7 year mark. I think they took the amount I paid them and tried to apply them to amounts that are past the 7 year period. 

If they do not remove the collection from my account I will be forced to reverse the charges as I will not pay for any amounts that have not been verified as legitimate. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The creditor XXXX ( account # XXXX ) committed improper reporting of my report by charging the account off in XXXX, then started reporting it as a late payment in XXXX, to include not having permission from me to report anything about my file. 

The account XXXX XXXX XXXX ( account # XXXX ) reported that I owed a balance of which they never confirmed was mine starting in XXXX of XXXX. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XXXX XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Suttell, Hammer & White, P.S
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 'm being sued by XXXX XXXX for an outstanding debt they tell me I owe and I 've been unable to fight back. I am XXXX XXXX and I was ran over. I now have a judgement and lien on me because these lawyers won in court because I was n't represented. I am sick! Oregon Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: MN
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:
Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX toXX/XX/XXXX. 

Late payments were not removed from the company or any of the credit 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 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX toXX/XX/XXXX. 

Late payments were not removed from the company or any of the credit 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 non-monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The creditor XXXX ( account # XXXX ) committed improper reporting of my report by charging the account off in XXXX, then started reporting it as a late payment in XXXX, to include not having permission from me to report anything about my file. 

The account XXXX XXXX XXXX ( account # XXXX ) reported that I owed a balance of which they never confirmed was mine starting in XXXX of XXXX. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Application processing delay

Complaint:
I have overpaid a credit card for an account that has been closed by {$1300.00}. The bank has not refunded the overpayment.

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 2021-06-20
Company: EQUIFAX, INC.
State: MI
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:
My Disputes were send in to Equifax was never resolved, and I'm a victim of the equifax data breach aswell these debts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
ACCOUNT XXXX/XXXXACCOUNT ACTUALLY OPENED NOT IN XXXX OR XXXX, BUT IN XXXX. 
XXXX is trying to re-age the debt, even though it was discharged in a Chapter XXXX bankruptcy petition. This is a practice highly scrutinized by the Federal Trade Commission. 
The credit bureaus have not done a proper reinvestigation on this credit trade line. All XXXX credit bureaus have a different start date, initial first late start date and end date. 
The account is over XXXX months since its first late payment, and must be deleted under the Fair Credit Reporting Act 7-year rule. 
I REQUEST A FULL REINVESTIGATION TO CLARIFY MY STATEMENT THAT THIS TRADE LINE HAS OUTLIVED THE 7-YEAR MANDATE FOR REPORTING OF NEGATIVE INFORMATION!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently noticed fraudulent charges on my credit card and imediately
reported it to Wels Fargo, whom I bank with. I have subsequently canceled
and had a new credit card submited to me. Here is the old credit card
numberXXXX. This card was used for online subscriptions of
some type. I have a spread shet with the dates and the amounts. Threcompanies, XXXX, XXXX and XXXX. They have
puled for a total of $XXXX.
Al 3 of these companies apear to be the exact same company when I
researched them. I do have a spreadshet of al of the dates and the amounts
that each company puled from 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 2022-04-12
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm a XXXX old XXXX female & sole owner of my home. I got several months behind in XXXX due to covid. My housemate could no longer help & I struggled to get him out so that I could get someone in to help me financially. I finally got him out in XXXX of XXXX & my son moved in to help. From XXXX of XXXX to XX/XX/XXXX, I made consistent payments until my mortgage co ( Fay Servicing ) sent that payment back & informed me they would no longer accept anymore payments until I paid the arrearages of approx {$7000.00}. I had no way of catching up until I could apply for assistance thru the XXXX Program. I called Fay & was told I could file for Loss Mitigation so on XX/XX/XXXX, I faxed over XXXX pages of documents from XXXX XXXX. Weeks later I was informed that the application itself wasn't filled out so on XX/XX/XXXX, I faxed over XXXX pages & haven't gotten any response on my application, only monthly statements saying how much I owe including lawyer, title search & other fees. I've checked XXXX XXXX application dates to file but saw notices that they weren't accepting applications yet. I did inform Fay Servicing that I was waiting to apply so I could get caught up with arrearages but got no response. Also, adding that I was told to fax & forward all documents relating to Loss Mitigation application to XXXX XXXX which I did. Now I owe over {$14000.00} & still no reply about my application. I've emailed them & get no reply. Lately they call, let it ring XXXX time & hang up. I'm going thru multiple testing procedures for XXXX  XXXX & the stress is XXXX XXXX XXXX because I'm scared of losing my home. I hope you can help get some answers. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: JPMORGAN CHASE & CO.
State: MA
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:
XXXX thru XXXX ______________________ To : Staff Consumer Financial Protection Bureau 1. There has been a Health Crisis in Family concerning Covid/19 Impact on the everyday wellbeing of Family Life. 
There has been XXXX XXXX XXXX, XXXX XXXX  with Sister/Law Underlying Conditions /Possible XXXX with other Family, Etc. 

2.That there is certain New Laws Passed by Congress during Coronavirus Pandemic & other U.S. Laws that protect Veterans, XXXX, Etc 3.That had called J.P.Morgan Chase Bank concerning Financial HardShip without workable Plan. 
That the Address Contact : J.P. Morgan Chase Bank XXXX XXXX XXXX XXXX, Delaware XXXX XXXX No XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The date on this account is inaccurate and is over 7 years old. By law it is supposed to be removed and it's showing on all three bureaus.

Company response to consumer: Closed with explanation