BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
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:
I sent in my police report and my FTC affidavit to the XXXX credit bureaus Equifax and XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX  XXXX XXXX Date Opened : XX/XX/2017 XXXX also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech states I received a modification in XXXX this is not correct. I recceived a modification that started in XXXX and was completed in XXXX. Their records are not correct. But this is typical. If they were at all families with the modification process they would know mortgage modification is a long drawn out process for which XXXX XXXX XXXX would never have allowed nor is it permitted to have two modifications in a years time. It 's outside of the defined modification guidelines if Ditech knew what the protocol is for mortgage modification which they obviously do n't. I will forward the information to the Kansas Attorney General. Ditech needs to be educated on the modification guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had this same issue in the past with the original creditor  XXXX  and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with ERC, copy of letter and response is attached, and once again now this new collection agency,  XXXX .  XXXX   XXXX , is claiming I owe them without even mailing me anything through the  XXXX  Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if  XXXX .  XXXX   XXXX  can not verify this alleged account ac cording to the Fair Debt Collections Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX in XXXX WA sent a letter to my son regarding a bill due. The procedure was done when he was XXXX years old so I was the responsible party. The bill was paid XXXX 2016.
When I called they refused to talk with me because he is over XXXX- he was n't when the bill was created and due. They want him to call them and, because I do n't trust them, I do n't want him to call and then be harassed.
After attempting to speak with 2 first line agents, I talked to a supervisor and he said he will send it to dispute and that I can not do anything else.
I will have proof of payment by mail from the XXXX  center, XXXX XXXX XXXX, this week.
They were horrible to talk to, my son should not have to talk with anyone and this bill is false. They are using it to fraudulently get money for something that has been paid.
What can I do? 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 2017-08-17
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have tried to get this resolved on several occasions. XXXX does nothing with the dispute process. I have written letters and still have not gotten any resolution. I have been informed that LexisNexis is reporting the wrong information to XXXX. I have tried to do a dispute through LexisNexis and still have not gotten any resolution. This tax lien that appears on my XXXX credit report is an error. I have provided documentation to support that but they still refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for the XXXX XXXXXXXX card through a 3rd party and they didn't state there was an annual fee, so I did not anticipate any payments being due after activation. I received a call that my account was past due, and the person said she would close the account for me since that's not the type of card I want, and that the annual fee would not be due if it was closed within a certain amount of time. She said that because there was a late fee she would have to remove that charge before being able to close the account, and that it takes 24-48 hours, and then it would be closed. I then started receiving numerous calls per day that the account is again past due because the annual fee was not paid. I explained what happened with the previous phone call and they now said they would close the account immediately and then request that the charges be removed. I stated that it was a bad idea to close a delinquent account with a balance but they no longer gave me the option to do anything else, if I wait until the charges are removed there will just be more charges again, thus never solving the issue. They said they would waive the fees and I received an email that stated they did, so again I continued calling to see when I could close the card but received the same answer that there are still charges on the account. I have spent many hours on the phone with them, with what I am assuming is the same person, she is very rude, and although she states that she transferred me to her supervisor and speaks in a different voice when I start to ask questions or disagree the same exact same rude tone comes out. Now my credit score has gone down 40+ points because of reported past due balances and I'm not sure what else to do to resolve this issue, they will not work with me to just remove the fees and deactivate the card. After researching this company online I have found that there are many people that are in the same situation that I am in. I recently worked with a credit agency to resolve covid medical bills and have been put on a payment plan for them with lower interest and have already paid 2 off in the past month, and now my credit score is lower than I thought they even went. This is very frustrating and honestly, I can not afford a lawyer to deal with this, it's very simple, just close the account and remove the fees and late remarks on my credit, the account was recently activated but never used. They keep telling me it will be taken care of and the next day it's worse so I need someone to hold them accountable for their actions.

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 2017-08-17
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a misdated letter claim form from Ocwen mortgage company which I filled out and returned on XXXX XXXX, 2015. My tracking number is XXXX. I have been calling on a regular basis and always receive the same answer, that it is under review. This claim form involved a payment ranging from {$300.00} to {$3000.00} per loan for misdated letters which negatively affected me during a short sale

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries were not authorized by me I contacted the credit agencies but the items were not removed. TransUnion XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

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 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently reviewed my credit report. The credit report shows multiple inquiries i dont recall authorizing. I understand that you shouldnt be allowed to put a inquiry on my report unless i authorize it. Please remove as it is making it hard for me to acquire credit.
XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXXXXXX XXXX  2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017

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 2018-06-02
Company: Innovis
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: Investigation took more than 30 days

Complaint:
Credit reporting agencies took longer then 30 days to investigate a matter I broughtvto their attention over 1year ago XXXX XXXX  notified me of the results either They are reporting a negative and fraudulent account that doesn't belong to me They are reporting XXXX  XXXX and this account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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: Account information incorrect

Complaint:
After attempting multiple attempts to resolve these law violations the creditors and bureaus are liable for i am reaching out to cfpb to deal with this horrible mess. 

according to 15 us code 1681 eb- its the consumer reporting agencies job to ensure maximum possible accuracy when deal with a consumers information. Because they didnt this was and still is an obvious violation and fcra law states any inaccurate information found and disputed if correct should be removed from report, each bureau has failed to acknowledge my dispute letters. I demand these accounts to be removed off my credit report asap. so many inaccursies its not even funny from dates opened to the remarks which also is a violation because the consumer agencies arent holding the creditors liable for reporting false and inaccurate information, they are all responisble for these issues causing me a great deal of distress. 

XXXX XXXX XXXX XXXX XXXX co

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX   XXXX   XXXX   is attempting to collect a medical debt for   XXXX   XXXX   XXXX   XXXX   in  XXXX  nj from ove r 3years ago.      all  XXXX  credit bureaus have failed to invesitgate nor reply with a outcome!

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 2018-10-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received contact in regards to a debt that was 9 or 10 years old. Attempting to collect and threatening legal action against me. Stating needed to resolve within 72 hours not giving enough time when I have had no original information on the threat. Not giving reasonable or affordable options. At one point was homeless after getting separated from the military. So is a debt that was many years ago and haven't received any notification in years and just now threatening wage garnishment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Last year on XXXX XXXX, 2023 I believe that's the excact date. I personally let my boyfriend borrow my car beacuse his car was at the shop. Unfotunatly a car hit my boyfriend. My boyfriend was confuse beacuse he never hit the car and didnt knew about it until the guy started yelling that he hit him. So my boyfriend told him no i didn't he isnisted yes you did. So my boyfrien pulled over and waited for tge police officers. To arrive. Me without knowing about insurance my boyfriend wasn't able to drive it if he wasn't under my insurance. Well for my luck that month i paid a part of my insurance and gave the other part late. 2 days well they took it as i didn't had insurance. They took it as i was with no insurance i still had full coverage 3 month after the incident until they kicked me off my insurance beacuse my boyfriend was driving it. My boyfriend gave all his information with the police officer. And gave his insurance to him and everything. But AFNI is on behalf of XXXX XXXX XXXX. Has been coming at me since the car is in my name and under me. They want XXXX out of me, since then they been harrasing me, and threating me if i don't pay they will cancel my insurance and report me with the dmv to revoke my D.L. their was no total lost on the on my nor the guys their was no medical emergancy Nor nothing. only a bit of paint scruff that got on my car their is no dents neither. I have already took the guy to court now just waiting to get him served.I just don't want my D.L canceled or my insurance i commute on highways everyday to get to work. And afni acussing me without knowing who was at fault And sending me to collecting for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have exercised my rights under the Fair Credit Reporting Act by initiating an investigation regarding my consumer credit report. I have submitted copies of my social security card, current utility bill, and government issued ID with each written dispute request, I have submitted a dispute for the following items a total of 12 different dates via us mail. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have not received an investigation summary and or results for any of the disputes submitted. My consumer request have been ignored and obviously not properly investigated.

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 2021-08-24
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
I am trying to payoff my account the rep is refusing to give me overnight address. I am not asking for specific account information just general information.

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 2022-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reviewed my credit report and found a collections for Portfolio Recovery Associates. I disputed the account with the credit reporting agencies and Portfolio Recovery sent me a letter home sending documentation that included two statements from XXXX XXXX  with dates XX/XX/XXXX and XX/XX/XXXX along with a " soldletter '' dated XX/XX/XXXX. I have never recived a " soldletter '' from either Portfolio Recovery nor XXXX XXXX  ; and said documents do not validate this alleged debt ; additionally, I was not aware this alleged account had been allegedly " sold '', I never received a first communication letter from Portfolio Recovery for said collections of this alleged account. 

As an informed consumer and as per FTC report " The Structure and Practices of the Debt Buying Industry '' published/dated XX/XX/XXXX ; I request from Portfolio Recovery the forward-flow agreement they signed with XXXX  when they purchased said alleged debt. 

I also request Portfolio Recovery to provide : ( a ) the portfolio identification number; and ( b ) all information about the portfolio the Company obtained or obtained access to from the seller at the time of purchase, including the schedule of accounts and the bill of sale, and total purchase price.

As per the FTC report, one of the findings was ... " Contracts revealed that both sellers and buyers knew that some accounts included within a portfolio might have incomplete or inaccurate data, including data on important information such as the then-current balances on accounts. '' With that in mind, how can either company continue reporting and attempting to collect debts that are incomplete? 

I demand this account to be XXXX  out, and deleted from Portfolio Recovery 's systems as well as XXXX XXXX, and for this alleged account to stop being reported to any/all credit reporting agencies. This negative item on my consumer credit report has caused a negative impact on the extension of my credit causing to be denied as well as high-interest rates. It has and continues to harm me directly as well as causing a monetary struggle and setback.

Company response to consumer: Closed with explanation