BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: SC
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 2016-02-16
Company: United Recovery Solutions
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A business in XXXX, Indiana, Named XXXX XXXX XXXX has contacted me of a debt i owe on a trumpet. THey have wanted the payment in full, but i have told them i simply can not do the payment in full. The delayed the process to turn it over to a collection agency, but once it has been sent to one we began to face more problems. United Recovery Solutions contacted us, we explained to them that we want to pay the debt, but can not possibly do it all at once, but they demanded we pay in full. We have requested XXXX times that they send us a letter with detailed information of what they are claiming. In return they respond by yelling at us, giving us ultimatums, threats about calling the police, pressing charges for a felony and they just keep harassing us by phone 2 to 3 times a day. Every attempt to get information from them has failed, we have asked them for more information such as employer ID, supervisor name, professional licence, etc. They just continue to give us the same threats and hang up. We feel and have been advised by the Federal Trade Commission and other agencies in Indiana to not answer their calls until we have a writing notification from them, again with a detail information, account number, etc. I called them today XXXX/XXXX/16 @ XXXX, because we have yet to receive mail with detailed information regarding the collection. I spoke with a man by the name of XXXX XXXX who at my request told me I was not going to receive any form of mail, then continued with the threats of calling the police and pressing charges.

Company response to consumer: Closed
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: GA
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:
EXQUIFAX, HAS BEN REPORTING COMPLETELY INCORRECT INFORMATION FOR THE LAST 4 YEARS. 

MY CREDIT CARD BALANCES ARE NEVER REPORTED CORRECTLY. 
THEY ARE ALWAYS REPORTED AT A MUCH HIGHER PERCENTAGE THAN IS ACTUALLY DUE IN COMPARISON TO XXXX XXXX AND XXXX. 

THEY ALSO HAVE REPEATEDLY CONDUCTED THEIR OWN DISPUTES THAT I HAVE NO ACCESS TO. I GET AN EMAIL STATING THAT A DISPUTE HAS BEEN COMPLETED THEN WHEN I GOT TO THE LINK IN THE EMAIL TO VIEW THE RESULTS, NOTHING IS THERE.. 

I GOT TO TRY TO CHANGE MY PASSWORD AND IT SAYS I CANT. EQUIFAX IS NOT AT ALL A RELIABLE SOURCE FRO CREDIT REPORTING AND NOW I FEAR THAT SOMETHING OR SOMEONE HAS ONCE AGAIN GAINED ACCESS TO MY PRIVATE INFORMATION THRU EQUIFAX HACK. 

WHY AM I UNABLE TO ACCESS MY OWN ACCOUNT INFORMATION OR EVEN LOGIN TO THEIR SO CALLED MYEQUIFAX.COM ACCOUNT AND VEIW MY REPORT STATUS AND SEE WHERE THESE DISPUTES ARE EVEN COMING FROM. 

I HAVE HAD FILE SEVERAL COMPLAINTS ABOUT THESE CREDIT REPORTING AGENCIES AND ITS TIME SOMETHING BE DONE TO MAKE THEM PAY FOR THEIR HARM TO OUR CREDIT FILES. 

BELOW ARE SCREENSHOTS OF WHAT HAPPENS WHENEVER I TRY TO LOG IN TO MY ACCOUNT OR EVEN CHANGE THE PASSWORD, MEANWHILE MY SCORE DROPPED OVER 25 POINTS OVERNIGHT ON THE XXXX AFTER THIS SO CALLED DISPUTE RESOLUTION AND IT SAYS ITS BECAUSE MY CREDIT CARD BALANCE WENT UP {$48.00} ...? WHY IS MY SCORE SO LOW ON EQUIFAX COMPARED TO XXXX AND XXXX LITERALLY OVER 75 POINTS OR MORE LOWER,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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:
My name is XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CCS Financial Services, Inc.
State: IA
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:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CREDIT COLLECTION SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 think inquiries have been fraudulently done under my social security or without my approval. 

Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX XXXX XXXX. Date : XX/XX/2021 XXXX  XXXX XXXX XXXX. Date : XX/XX/2021 XXXX XXXX XXXX XXXX. Date : XX/XX/2021 XXXX XXXX XXXX. Date : XX/XX/2021 Bank Of America. Date : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021

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 2017-04-27
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX   XXXX ,  XXXX  To Consumer Financial Protection Bureau : Complaint regarding  Southwest Credit  and  XXXX   XXXX   XXXX   XXXX  inappropriately reporting derogatory information on my credit file which at no fault of mine is adversely impacting my credit report and  credit score.      I called and cancelled  XXXX   XXXX   XXXX   XXXX  on approximately  XXXX   XXXX ,  XXXX . I directed them to send any refund or final bill to my new address which I clearly provided to them. They failed to do this and the subsequent statements continued to be mailed to my old address. Please note I paid my account on time the entire time I had service with them and I promptly returned their equipment.   Instead of calling me and/or emailing me ( they had both my phone number and email address ), they turned over a bill for {$96.00} to a collection agency.   When contacted by the agency, I provided my new address to them and asked them so send copies of the  XXXX   XXXX   XXXX  bill as it was never sent to me. Once I received the bill, I paid the balance.   I am appalled that due to the incompetence of  XXXX   XXXX   XXXX  not updating my address as I clearly instructed them to do, I am now wasting my time and others to resolve this issue. If they had handled my account correctly, I could have simply paid the bill. Despite their mistake, I am the one having my credit report impacted and having to spend my valuable time resolving. As I stated above, I paid my bill on time every month when I had service with  XXXX   XXXX   XXXX  and I have ZERO late payments on my credit report ( and never have ) except for this ridiculous entry.   Please have this entry removed immediately from my credit report and provide written confirmation that this has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Receivables Management Partners, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is against  XXXX  and Money recovery nationwide.     I settled all debt that i had wit h Money Recovery Nationwide back in the  beginning of  XXXX . My debit account was charged the amount of  XXXX  on  XXXX  to settle two account with the collection agency.  One  of those accounts that i settled was for   XXXX   XXXX  . It was removed from my  XXXX  report but not my   XXXX   report. I filed a dispute once i saw that it had not fell off of my  XXXX  report. Today when i checked my credit report again, it is still there. So i called  Money Recovery Nationwide tod ay and asked them why the had n't reported that i had paid it off to the credit agency. They informed me that they in fact had reported it to all three credit agencies on  XXXX / XXXX /  XXXX  , and that i need to call  XXXX  to have them remove it. So i called   XXXX   and they told me that  Money Recovery  had never report that the account was settled on  XXXX / XXXX /  XXXX  , the also said that the last time Money recovery reported was on  XXXX / XXXX /  XXXX  . I let them now that i have my bank statement proving that i paid off my debt money recovery and they said it did n't matter. They also said that i had to call money recovery back because they are the only one who can take it off my credit report. I called  Money  recovery back after my frustrating conversation with  XXXX  and told them what  XXXX  said and they told me again that they had reported it on  XXXX / XXXX /  XXXX  . They also told me to call   XXXX   back. They just keep pushing me back and forth to each other. And as far as i am concerned, if i submit proof ( Receipt/bank statement to  XXXX  they should remove it from my account. I requested that  Money recovery send me a settlement letter stating that the accounts were settled and reported to  XXXX . I  settled this account going on 2 months ago and it is still on my account, negatively affecting my  credit score. it is a bsolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
What happened? I have a previous complaint filed with your organization against Ocwen Loan Servicing LLC . The Submission # is XXXX. The complaint status button is not working so I am submitting my complaint via this site. I initially requested to close my escrow account and to make payments directly for property taxes and hazard insurance. After much delay Ocwen denied my request and gave numerous reasons by varying sources such as : ( 1 ) The property is a planned unit development ; ( 2 ) The property is an investment property ; and, ( 3 ) The property must be owner occupied. It was extremely difficult to speak to someone in their escrow department by telephone. They became more responsive once Consumer Protection Bureau got involved. 
Further, they are holding excessive amounts in an escrow account as they have erroneously captured the amount of hazard insurance I pay each year. They continue to hold the incorrect amount even though I have provided numerous letters with the correct amount and they have also contacted the insurance company. I have sent documentation to your organization and have attached below the correspondence between Ocwen and myself for the past 5 months. You can clearly see I requested an escrow account review due to the erroneous insurance premiums they show in their system to no avail. 
In the most recent response ( dated XX/XX/XXXX ), Ocwen stated, " In accordance with California Financial Cose, under Division 6 section 17000, Ocwen must not require a borrower to have an escrow account for property taxes, insurance premiums, or other payments regardless of payment history, if the property is a single-family, owner-occupied property. '' I met all of their conditions to have the escrow account closed ; however, I believe they are using this statement as some type of loop hole to surreptitiously and in bad faith deny closing my escrow account. Further, they show hazard insurance as {$1300.00} when it is only $ XXXX year and was aleady paid by me in XX/XX/XXXX and not due again to XX/XX/XXXX. This error causes them to hold an excessive amount of my money in an escrow account. Furthermore, and to add injury to insult, they say I have an escrow shortage when if they correct the issue it would be an escrow surplus. I continue to go back and forth with them to no avail, while they continue to hold excess monies in my escrow account and to circumvent their own rules and misrepresent current CA law and not close my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: United Revenue Corporation
State: TX
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:
Please notify this Bureaus such as XXXX to remove this account from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is in regards to a loan that has since received a default judgment against my husband and myself.  The loan was originally for XXXX, signed in XX/XX/XXXX.  The debt was paid down to below $30000 when this was sent to court and now has accumulated to over $57000.  We lost our business in XX/XX/XXXX, where shortly after my husband moved to XXXX to work.  Shortly thereafter, we separated and I moved to XXXX to help take care of a grandmother who was in the late stages oXXXX XXXX.  She XXXX in late XXXX and I moved back to XXXX in XX/XX/XXXX.  Paperwork shows that the loan was defaulted on by my husband, whom had the vehicle, it was then sent from XXXX XXXX to an attorney who filed a judgment against us in XX/XX/XXXX.  They state that a notification was served on me but there is absolutely no way they could have as I was not living in XXXX at the time.  Later in XX/XX/XXXX the account was turned over to a collection agency by the name of XXXX XXXX who then sold the account to Kohn law firm in XX/XX/XXXX.  We were NEVER sent any paperwork on this account when it was sent to either collection agency!  The only time I knew about Kohn law firm handling this case was when they stated garnishment proceedings on my husband in XX/XX/XXXX.  I did not know then that we could send a verification letter to these companies to verify the debt with them and now Kohn law firm says that I am entitled to a verifaction letter as it is past the 30 days notification!  How can that be when they never sent a letter to us regarding this debt?!!!  I have sent all information to the judge handling the case as well but nothing has been done.  This is not right and I would like something looked into regarding this.  I should be entitled to a verification of the debt from Kohn as well as XXXX, yet neither one will give this information!!!!  Kohn law firm continues to collect garnishment on this case even after my husband notifying them that he now falls under the federal poverty level!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX/syncb XXXX XXXX XXXX XXXX, Fl. XXXX first after applying for what was suppose be a XXXX pay pal extra earning 2 % interest points for purchases anywhere.. the company sent me instead late fees and no interests for purchases on late mailed paper statement.. i phoned their only customer phone support provided on credit card and statement,, the auto directory was too long for wait and took hours to finally speak to complain about the issue,, which was after suppose to have been resolved according to the full payment minus the late fees and penalties associated and what was agreed would be deducted from the total due.. in which turned out not to be the case as they have continued to send me late fee charges after the fact the representatives were suppose to have waived the extra penalty fees.. note..this bank only phone support connects to ( customer support connects outside USA not in USA ) now they harass me both text phone and by mail.. i want to file a complaint and warn others of this scandal PayPal MasterCard extras scandal,, i terminated the account but they wo n't and continue harassing 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 monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from XXXX XXXX Account Number : XXXX. This Collection account is reporting not only as Open on all accounts but also shows a past due balance of [ {$260.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, 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