BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: Roycroft Management
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Myself & my stepsister received a phone call from an XXXX XXXX XXXX. They claim to be looking for me so they can deliver me important papers from XXXX. I called the number back this morning & XXXX XXXX answered as XXXX. I told him that I was calling for XXXX XXXX XXXX & he informed me that XXXX is one of many couriers they use. I finally got him to tell me what the call was regarding & he told me I had an outstanding loan with XXXX XXXX XXXX that was taken out in XX/XX/2016. When I told him that I don't remember having a loan, nor do I have any communication from them, he said that the loan companies always play the victim part, but he still had a job to do & he had to collect a payment. I told him that I would not make any payments until I got verification of the debt. He told me he understood but if I didn't at least make payment arrangements, he'd have to mark me as default & they will have to take the next necessary steps. Although I contacted XXXX/XXXX, I got another call from a XXXX XXXX @ XXXX this evening, as did my step sister ( from my understanding, it is against the law to continue contacting friends & family members if the debtor has been located ), reminding us that they'll be delivering papers to me on Friday between XXXX-XXXX ( not sure if it's XXXX  or XXXX   ). I reached out to XXXX XXXX XXXX to send me verification of the debt in writing & as of this writing, they have refused to do so. XXXX would not provide me with an address, so I could not send any sort of cease & desist letter.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-03
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:
My name is XXXX XXXX there XXXX no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Re : Voluntary Discontinued of Chapter XXXX Bankruptcy FILE # XXXX Docket # XXXX To Whom It May Concern : Fair Credit Reporting Act 1681c relating to bankruptcy dismissal. XXXX Federal Courts of Georgia dismissed this case and does not exist in the eye of the law as it has been adjudicated. Therefore, you have no right to maintain information which the government deemed nonexistent. Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and me an updated copy when this action is completed.

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 2020-01-09
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:
After 3 years. A account is reported back on my credit reports. The original creditor is reporting and the agency they apparently sold this debt to. First, its against the law for the original creditor and a collection agency to report the same thing. That is fraud! Second, this was removed from my credit report XX/XX/2016. Due to incorrect information, harrassment, threats and etc from XXXX. Then its a different name of 12 XXXX and the collection agency XXXX XXXX. Both the same with a couple dollars off. All illegal and fraudulent.This needs to be removed and never sold or return on my credit report ever?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with MIDWEST RECOVERY SYSTEMS. I have never done business with this company. I am not liable for collection from this debt from MIDWEST RECOVERY SYSTEMS. I am not responsible for this debt with MIDWEST RECOVERY SYSTEMS. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if  you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 622 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

THANK YOU FOR TIME INVESTIGATING THIS MATTER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: Advance Bureau of Collections
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Experian Information Solutions Inc.
State: MD
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:
A computer glitch that was XXXX 's problem - not mine - caused my inquiries to be deleted. XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX and explained to him that these inquiries add a hardship and that my rights are violated by XXXX. He advised that they do not remove inquiries. I advised him of the computer glitch and he advised there was no such thing. I 'm asking the CFPB to help me make XXXX stop victimizing me. I 'm asking as a resolution that all of my XXXX inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2022-01-29
Company: EQUIFAX, INC.
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:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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: Account status incorrect

Complaint:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2022-01-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax-I show that back in XXXX of 2021 2 Regions accounts was removed from my credit report. However it is back reporting I was not notified by the agency of this reinsertion and I do know they had 5 days to let me know about this reinsertion and I was never notified about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: AL
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:
I have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
As of X/XX/2017 Chase bank is making demands of payments at the close of my escrow. I had to sell my home as chase bank gave me no other option but a short sale or a deed in leu of foreclosure. I have equity in my home and never agreed to either of these options chase bank gave to me. I initially was not served properly the non judical foreclosure document which was filed in XXXX XXXX county, CA. Therefore, the XXXX estamated Attorneys fees to chase are null in void. Corporate Advances to Chase in the amount ofXXXX are null and void. All interest per demand will need to be negotiated as Chase is asking for XXXX, XXXX. Among other fees. Escrow balance advance in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: AL
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 FILED CHAPTER   XXXX   IN  XXXX . AFTER 7 YEARS  XXXX  AND  XXXX  REMOVED FROM MY CREDIT FILE. IN  XXXX  AT THE 7TH YEAR MARK EQUIFAX PLACED ON MY CREDIT FILE AFTER 7 YEARS OF NOT REPORTING. I ASKED FOR THEM TO REMOVE THEY STATED WILL STAY ON FOR 10 YEARS. WHILE THE OTHER   XXXX   BUREAUS HAVE REMOVED FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-10-06
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently put a freeze on my reports last month XX/XX/2020 soon after a non authorized account appeared on my report that is not mine and I would like it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions 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 one account reporting a past due payment with XXXX XXXX and I have submitted documentation. All I get back after waiting month after month is this account has been updated and nothing changed. 


Second is XXXX XXXX  is reporting an account that is not mine. I paid the month they have in question and submitted documentation to prove it on my account number. I dont know what account that is I never owned it.

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 2021-04-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # XXXX DOB XX/XX/XXXX Account-XXXX XXXX XXXX Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XXXX  to XXXX , XXXX  I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account XXXX XXXX XXXX These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY

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 2021-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX SS # XXXX DOBXX/XX/XXXX Account-Capital One Bank Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XX/XX/XXXXto XXXX , XX/XX/XXXXI recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account Capital One Bank These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Hunter-Warfield does not own this debt and this debt is invalid. Hunter-Warfield was persuing an alleged debt for XXXX XXXX XXXX XXXX in the amount of {$3300.00}. I have already had two attempted lawsuit 's, in the wrong state which had to be thrown out. Also, the amount of the debt is outrageously invalid. As of now, a law firm- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . are persuing legal action with an alleged balance of {$2700.00} for XXXX XXXX XXXX XXXX. This debt is not owed and is not my debt. This debt needs to be removed from my credit report. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Advised Portfolio Recovery to stop calling.They call everyday!!!!! My wife is XXXX and can not be bothered. I believe this is debt that is over 7 years old and trying to collect it aggressively and illegally. I also advised them via email to stop calling and use my number if they need to call. They will not comply with my wishes. I also asked for something in writing so I know what the debt is and they will not comply. I will file a police report for harrassment if they do not stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX XXXX I receive document of Debt Collection of {$37000.00} from Round Point Mortgage on Foreclose house of XXXX XXXX XXXX XXXX, XXXX, Texas.XXXX. 
A Bankruptcy Chapter XXXX  was filed on XX/XX/XXXX and was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX. VA Loan # XXXX of XXXX of {$240000.00} was included on bankruptcy and any debts of sale was included. 

My home was foreclosed and sold on XXXX XXXX during a VA Loan Modification process in XXXX, Texas.I was placed homeless with my XXXX XXXX and all my personal property in my home was thrown out on the exterior of the house on the street. 
I wasn't given no restitution of relocation because of my disability. 
Round Point Mortgage Law Firm used their authority and their billion dollar law firm to put me homeless with my Disability. 
I have been Discriminated and Retaliated as a XXXX Military Veteran. 

Why Round Point Mortgage waited after I did my Federal Taxes of XXXX to send me the collection debt of {$37000.00} on XXXX XXXX? 
My Federal Tax has been completed on XX/XX/XXXX prior to this document sent by Round Point Mortgage.. 
I am XXXX XXXX  and XXXX. 
Bankruptcy Chapter case # XXXX Filed at XXXX District of Texas US Federal Bankruptcy Court in XXXX, Texas with former Attorney XXXX XXXX XXXX ... Fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Today, Thursday, XX/XX/2020, I called and spoke to XXXX, ID XXXX, who verbally stated, " We do not have an original contract, proof of your signature, or a recording or you by audio or video to send to you. All of our applications are done online. '' I asked if she can send me a screen shot of an online application. Again, she verified, " I can not. '' She then went on to say the debt has been sold to XXXX XXXX and I can reach them at XXXX. COMPANY REFUSES AND CAN NOT SEND ME DOCUMENTS REQUESTED : ORIGINAL CONTRACT, PROOF OF PHYSICAL SIGNATURE, RECORDING BY AUDIO OR PHONE OF ME ASKING FOR A LINE OF CREDIT. 

1. This account can not be verified or validated that it is mine.

2. This account is not mine and was never opened by me.

3. This account has been sold with no proof it belongs to me.

4. Information on my reports in hereby not 100 % accurate and truthful so it can not be there.

5. Account was charged off and no longer owned by Milestone 6. Multiple names used for company : TBOM/Milestone, letter head GENESIS FS CARD SERVICES. 
7. Wrong information given in their letter, attached. Says to call XXXX and then get told to call XXXX. 

Many laws are broken here. FCRA AND FDCPA and I can sue them for damages of {$1000.00} per reporting.

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