BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Their is an eviction coming up on my record that is preventing me from renting an apartment. This eviction was from  XXXX  and it was ordered by  a Judge t o be dismissed and the files to be sealed on  XXXX   XXXX ,  XXXX . This eviction is still coming up on my record and I am homeless with my kids because no one will take the legal documents that I have regarding this case. In order for me to rent an apartment.

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 2021-06-15
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute 18 inquiries that appear on my credit report. According to my records, these inquiries were not authorized by me, and I believe they were made without my consent. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  I am also requesting that these inquiries be removed from my credit report as soon as possible, as they are negatively affecting my credit score. 

I have enclosed a copy of my credit report with the inquiries in question highlighted for your convenience. Please review the information and provide me with a written response within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely

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 2019-12-17
Company: CountryPlace Acceptance Corporation
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I owed XX/XX/XXXX - {$660.00} paid & posted XX/XX/XXXX ( countyplace collections dept XXXX in Collections took payment over phone ) and I agreed with her to pay XXXX payment on or before XX/XX/XXXX well I paid it as agreed XX/XX/XXXX electronic Ach payment with receipt confirmation payment posted XX/XX/XXXX my bank transaction # XXXX - unbeknown to me why but Countryplace refunded {$660.00} mortgage payment back to my checking account on XX/XX/XXXX no return description of why no phone call and no mail correspondence explaining this action. this put my mortgage account two months in rears I also paid late fees separate for the XXXX and the XXXX late charge. in amount {$35.00} this too was returned. 
I had sent paperwork as I was attempting for the second time to file for loan modification, however in doing all I could to reduce my debt I was able to reduce my homeowners insurance from {$1400.00} almost {$400.00} a year to {$1100.00} yr and my property tax from {$340.00} a year down to {$100.00} therefore my mortgage Priniciple and interest being {$410.00} monthy and by adding Tax and Insurance my new payment monthly would be {$510.00} monthly affordable enough that I could put it back on automatic payment from my checking account. and remain on tract. However I am told by Countryplace that they will not intervent for me, an individual to make any such adjustments until my Loan anniversary which is XX/XX/XXXX. I asked that if there were to do a loan modification would that not be doing changes on an account on an individual basis? Well approximately 60 days from now thereby I told them it is no need to do a loan modification. I will continue paying as I can and be relieved when they adjust my mortgage XX/XX/XXXX. So now they are returning my mortgage payments and I want to know why. So why would they return my payment at a time when I am struggling to keep catching up payments. Are they trying to force me into foreclosure? I am enclosing copy of my bank transaction showing the payment ant the refund back to account from countyplace for XXXX Mortgage Payment and the Late fees foe XXXX and XX/XX/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 2020-04-22
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations XX/XX/XXXX - In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of 147 million people. The company has

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 2021-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 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 of my disputes. Section 611 ( 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-08-06
Company: Porania, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8.  Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Lexis nexis said they verified that I with a supposed clerk of court that a name matching mine filed a bankruptcy with the clerk of court. I expressed to the rep this is in no way true. It is my understanding that the county clerk is not allowed to give my information to a third party anyways so even if I did how would they know accurately to verify any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo is a service provided by PayPal , Inc. ( Venmo ) For many months I have made many attempts to cancel both my personal and business Venmo accounts and close them out definitely for good. Attempts have been made by online chat and countless times by email.

They of course store my name, my email, phone number, address, TAX ID and keep a copy of my ID and Business License and maintain the account open without my consent. 

They are without my authorization keeping my accounts open yet they repeatedly state, the accounts are " deactivated '' yet they store my information for their own convenience. Because my business and personal accounts are frozen and remain permanently restricted I can not stop them from spamming me with emails which I have repeatedly ask them to please stop. I am being ignored and I need this to stop. 

XX/XX/XXXX - Account Deactivated I have received countless spam emails in between the account deactivation and today. 

On XX/XX/XXXX I made attempts to cancel my account with no success. I asked them again in the past few days to close it. On XX/XX/XXXX they refused twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XX/XX/2019 XXXX : Navy Federal Credit Union ( NFCU ) XXXX. Box XXXX XXXX, VA XXXX XXXX Subj : Reimbursement of Escrow, Real Estate Taxes On XXXX, my previous, secondary Insurance Carrier did not re-new my XXXX XXXX Insurance Policy ; because, it has a conflict with a Florida Stature : or, it believes that my primary, XXXX XXXX. coverage is not a true XXXX Insurance Policy, which it is, indeed. So, such Ins. Carrier sent NFCU a copy of its Cancellation Letter of my real estate property. Consequently -- if not, subsequently, on XXXX, NFCU placed a " Forced Insurance Policy '' from XXXX in the amount of {$1600.00}, on my property. It did so, too, presuming, or even assuming, so very erroneously, that I did not have Continuous Coverage on my property. When, in fact, about a month or so right before XXXX, I sought as well obtained Continuous Coverage with a brand new Ins. Carrier concerning my property ; which is so evidenced right by my submitted/uploaded, XXXX-page Insurance Declaration Page/s. 

It has been so grossly inappropriate for NFCU to have placed a " Forced Ins. Policy '' upon my property -- not, even, having the mere decency or good sense to inform me of such .... Had it done so, it would have seen/known that such was Wrong -- if not, so very unnecessary. 

Being such, I request -- or, so demand -- NOW, that my {$100.00}, for my real estate taxes -- or, PAST escrow, be so reimbursed via my NFCU Savings Account. Since, I satisfied ( or just paid off ) such real estate mortgage, on XXXX, or XXXX weeks ago. Plus, my having had super solid proof of Continuous Homeowner 's Ins. Coverage .... 

Good Day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I need some help, my car loan is through Capital One and I have an open good standing small credit card with Capital one however there is an account reporting on my credit stating in collections with this same company listed stating I owe XXXX BACK IN 2019 WHICH is NOT correct. Please help this must be someone else 's account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was checking on my credit score and accuracies on XXXX XXXX XX/XX/XXXX when I saw a derogatory remark from Convergent Outsourcing, inc saying I have a debt with XXXX for the amount {$2200.00} listed XX/XX/XXXX, XX/XX/XXXXand they said I disputed this, this is a false claim I have not talked with Convergent or heard from them or XXXX, the amount is false as the account was closed. 

It is listed that last payment on XXXX  was XX/XX/XXXX, this is a false statement. I canceled my XXXX account on or aroundXX/XX/XXXX and returned all equipment. I have not had an account with XXXX since then. 

How can anyone get a residential bill for {$2200.00} from a utility company without getting turned off for being past due for one maybe two months? 

This is nothing more than a corporate Shake down and extortion from XXXX and Convergent Outsourcing. 

I do not have records for this account with XXXX as it has been closed for almost 7 years. I have not lived at the address the account was associated with for five years.

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 2017-04-18
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in  XXXX  of    2010 I filed a  Chapter  XXXX  Bankruptcy it was discharged in  XXXX  o f 2010 for s ome reason my Regions Mortgage was not reaffirmed. Since then they refuse to report my loan to any of the credit bureaus. My payment book comes in the name of my wife and myself, I 'm listed on the mortgage account on the warranty and security deed as well as the note.   I call Regions mortgage and get a plethora of misinformation as to why they wo n't help me in any way. They portfolio my loan and have denied me a loan modification, HARP loan and even a hardship.   I do everything I am supposed to make my payment on time every time and they continue to deny me the ability to refinance or reduce my 5.25 % 30 year fixed rate mortgage.

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 2017-04-21
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by a debt collector for  XXXX , and they refused to give me an address, nor would they send me a letter, they wanted my bank information by phone and I refused.I had not heard from them until recently, because a new company now owns the debt and it has been placed on my credit report. The debt is approximate ly 6 years old. Th e bill must have been going to my old address ... and I was never contacted by phone until it was sent to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Section 489.128 - Fraud Contracts and unlicensed perform work on property without the proper permit. Non-permitted constructed. violated the building code. REQUIRED FOR TWO STORY HOME on 50x100 lot .Violations of building code. perform non-permitted construction work. Violated building codes, unlicensed contractor without pulling building permits, plumbing permits or electrical permits pulled. The 1,584 sq. ft. XXXX XXXX SUBDIVISION, TWO story building on sets on 50 X 100 LOT. WITHOUT variance or permits. The local governing body of the county or municipality may enforce codes and ordinances against unlicensed contractors under the provisions Florida Constitution SECTION 4.Single-family home 3 bed, 2.5 bath property. This home was built in XXXX and last sold on XX/XX/XXXX for {$600.00}. Property details, sales history and Zestimate data on XXXX. Location : XXXX XXXX, FL XXXX Construction codes violated by inspectors and builders who failed not inspected to comply with any building or uprooted trees of environmental regulations. Contractor or and construction filed fraud false representation. Failing to comply with any building environmental regulations. or Violations of 4 of the constitution .lot 50 x 100 ft. Fraudulent documentation construction fraud, are generally regulated by zoning laws and restrictions maintained by local distance from a property line Legally, are not obligated to pay an unlicensed contractor. Not building according to blueprint and paying taxes on improper footages of property.

Falsifying Applications and Invoices. Lot 204 Construction Fraud, The City of XXXX XXXX Contracting Without a License. In addition, Unlicensed Contractor was paid {$25000.00}. According to Section 713.02 ( 7 ) of the Florida Statutes, an unlicensed contractor or subcontractor shall have no liens in their favor. This Fraud is Unenforceability shall not affect the rights of any other persons to enforce contract, lien, or bond remedies homeowner can generally file a lawsuit for damages. Homeowner experiencing setback violations is that the building or structure 1. Inflating Labor or Material Costs charge over {$120000.00}.. Accountability, Amendment 4 unenforceable under this section, no lien or bond claim shall exist in favor of the unlicensed contractor for any labor, services, or materials provided under the contract or any amendment thereto. U XXXX 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
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: MO
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'm disputing the following accounts in Pursuant to FCRA 611 ( a ) ( 5 ) ( b ), and the fact these accounts are not mines, and unknown and unauthorized by me, and I'm requesting that the 3 major credit bureaus block these accounts. XX/XX/2019, the 3 major reporting credit bureaus response was " accounts verified ", verified by whom, what time, what date, and what physical documentation. And electronic Verification can not be accepted as proof so with that said either your company block these accounts or send me signed, sealed physical documentation of the accounts you and your companies are reporting. Please remove the following unauthorized accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) Dept of ED/XXXX  {$7300.00} 4 ) Dept of ED/XXXX  {$5400.00} 5 ) Dept of ED/XXXX {$3900.00} 6 ) Dept of ED/XXXX {$3000.00}

Company response to consumer: Closed with non-monetary relief