BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax suppose to have investigated a Tax lien that is showing up on my credit report for {$1100.00} which is incorrect yet they are saying it is reporting accurately. Tax Lien Reference # XXXX. Please be advised that this is my SECOND WRITTEN REQUEST asking Equifax to remove the unverified account listed below that remain on my credit report in violation of 15 U.S.C. 1681. They are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the correct name of that individual, their business address, and telephone number because the number you provided was n't correct. 
XXXX Law Dictionary, XXXX Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit card company states I owe them, yet I have proved to them that my credit card bill is paid in full every month. 

The harassment by the credit card company, its representatives and Or agents have been relentless. I sent notices to them certified mail and telephonically that each violation after a certain date would incur a charge for each violation. They agreed and they have the recorded phone conversation along with the certified mailing they signed for. 
To date they now owe me in excess of {$2500.00} for these violations. They actually think it 's a joke. 

I have detailed records available for review.

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 2016-07-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I obtained a copy of my credit report after seeing my credit score drop sharply. I found XXXX charges totaling over {$200.00} on a card that I never use and a past-due statement, which I never received. Called the bank and discovered the XXXX charges were both from out-of-state. The thief may have stolen unforwarded mail containing an updated credit card, as the bank did not have my current address on file ( even though I had left a forwarding address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt does not belong to me. The collection agency J H Portfolio told me that this item has been removed from my credit report But, XXXX says they have not. I would like them to provide proof that this item has been deleted from my file.

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 2017-03-07
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have recently this year received numerous emails from Spam senders and even XXXX of my own Credit Card accounts alerting me that my credit score has changed with XXXX, Equifax. I have not opened or been late with any accounts. I pay on time and either the balance in full or more than the minimum payment. I am unsure why my credit score keeps changing MONTHLY!! Please help me, I do not know if this is legit or not and seem to have no control of when this is happening.. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX maybe- Mortgage was orginally with Chase Mortgage XXXX and in maybe XXXX asked for Modification and while paying what I was told for months and months was told was not approved. Was told catch up 10 months of partial pmts and I said couldn't and was told will put at the end of the loan. then in maybe XXXX or XXXX was sold to XXXX XXXX XXXX ac XXXX when I asked about the payoff to refinance with XXXX was told I owed XXXX and was told still owed 28 years on my loan and it was orginally refin XXXX so had paid for 16 years and was only a 30 year loan how could that be. Unfortunatley Select or Chase will send me any documation tell me why? I did not ask for any changes only the 10 months of rears partial payments at the end. So how a 30 year loan and paid on for 16 years and should only have 14 years left on it changed to 28 years. The math does not work Select said Chase sent it over like that but should not be correct and also paid select for 4 years so makes no since. Chase will not even speak to me said sold loan has no ducuments? If your not the person to help please tell me who. Never refinanced after Chase until last week and never asked or signed to be re-ameratized. 
XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX  {$1100.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Other

Complaint:
As a sole proprietor we took advantage of what seemed a great offer mailed to use via Capital One Spark Business card. The problems began almost immediately. Upon trying to even activate the card, I was forwarded to the fraud department. 

Over the course of using the card for the first three weeks, we encountered XXXX other false fraud warnings. ( XXXX on my personal Capital One card too ) We 've spent numerous hours on the phone verifying info, only to find out that for some reason they had n't activated the card properly from their end. It finally got to the point where it seemed Capital One was accusing us of fraud, so we retained counsel who now conference calls in with each new false fraud warning. 

I 've never experienced anything like this - they seem anti-customer, accusatory and are unable to articulate any of the reasons any fraud alerts were triggered. Something is fishy with Capital One - I highly recommend avoiding it. We have a legal team now looking at what our options are. We will be compensated for our time and for dealing with what at best is harassing, and at worst is accusatory insinuations of customer fraud. After researching others .... MANY others ... have this same problem the CFPB and/or FTC needs to do something about Capital One. An investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: EOS Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a customer of XXXX for a period of about 3 months at the XX/XX/XXXX/XX/XX/XXXX. I was subscribed for DSL internet service from them, but starting the first month I had severe latency and speed issues with the internet. I was told by XXXX that they were in the process of upgrading lines in my area and they credited my account in full for 3 months in a row in order to retain me as a customer. The service was almost completely unusable for my purposes, and after the third month I asked to close my account. XXXX complied with this and closed my account with a {$0.00} balance and I returned my equipment to them. Starting in XX/XX/XXXX I began receiving collection letters from EOS CCA for a purported debt that was originally held by XXXX totaling {$190.00}. I began getting harassing and threatening phone calls. When I tried to explain that this debt was not valid, I would be threatened for it to be reported to the credit bureaus. I gave them a verbal cease and desist and stated that if they did not stop calling me on my personal cell phone I would pursue harassment charges. I mailed a cease and desist letter and I also included a statement of no outstanding debt I obtained from XXXX. The calls and letters stopped. However, today, 4 years later, I have received another settlement notice from EOS CCA asking me to settle for {$110.00}. To date this still has not been reported to any credit bureaus, but I am not willing to deal with EOS CCA directly as I have already demonstrated that I do not owe any debt and that I never did. If this continues I will pursue litigation for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I got divorced back in 2004 and was awarded the home as long as I maintained the mortgage. The Respondent never responded to the prompt execution of the deed transferring all his interest to me after several attempts made throughout the years. I submitted my divorce papers to Virginia Housing Development Authority ( VHDA ) several times and they are not helping me stating I need his signature. If he ignored a court order of signing the house over to me how am I suppose to get a signature from him? I have not seen nor spoken to my ex since 2004 and I do not know his whereabouts or whether he is dead or alive. I am not able to remove his name from the mortgage/deed because he is unfound. I keep explaining the situation to VHDA and they offer no assistance even though their website states say to contact them if you are having financial trouble. I can't apply for any modifications or forbearance during the Corona Virus due to this ongoing situation and I do not want to go into foreclosure. I've made all mortgage payments and I have 12 years left on the loan and when I need assistance VHDA turned their backs on me. It's great to see other institutions are helping their consumers during the pandemic but not the VHDA in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate. Consumer reporting company has not block and deleted information on consumer reported in 4 business days. 

See attached.

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 2015-05-04
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Correspondence is from Credit Collection Services re : XXXX XXXX. The amount due appears to be XXXX but this is not entirely clear. The correspondence includes a STATUS UPDATE that essentially claims that my account is unpaid and seriously past due. It also states that I should call their office and that otherwise they will call me. There is no indication regarding the name of the creditor or the services provided that I am expected to pay for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was slammed by a CSR in the XXXX of XX/XX/XXXX. I would have never agreed to sign up for debit protection, but the CSR told me that you could file a claim and be eligible for debt protection even if you become unemployed voluntarily. I outright asked the CSR " so if I quit my job I would qualify for debit protection? ''. The CSR said : yes even if you quit your job. So from XX/XX/XXXX through about XX/XX/XXXX, when I quit my job, I was unaware that I could not deploy my debt protection. I held on to it for a while, hoping to get an unemployment appeal decision in my favor. I called the CSR for the credit card services. Several times and told them I was slammed by a CSR. They always agreed that I should get reimbursed. The last time I talked with some body about it, he told me he was in charge of all of this and was looking into it. I never heard back from him. It was about a year ago. I started working a split shift, over 12hrs away from my XXXX mile daily commute. ( that is a 14 hr day way from home ) I had no time to investigate. When I finally had some time I called. They talked to supervisors that said it was so long ago, and there was nothing they could do. I have been asking all along about the recorded phone calls. They always tell me they can and will pull them and they do exist. I did the math and i 'm out {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt off XXXX XXXX this company is claiming they never received the money order, Im not getting any help but I have proof I sent it out and that I paid off debt and now I cant get it removed after paying it off, I showed all my proof and I keep reaching out to ( XXXX ) the supervisor and he isnt responding back and Im not paying them again I left voicemails on his phone to speak with me he hasnt attempted to reach out to me and I cant get a home and havent been able to for 4 years due to this I reached out to XXXX and paid {$15.00} to get a copy of the already spent money order for {$480.00} and both XXXX XXXX and national credit system are claiming to have never received the money I need help removing due to I been paid off I can send in any of my proof I filled out a Forgen application to see who cashed my money order and still waiting on that but this is ridiculous there asking for more money I need some type of conclusion to this problem I dont want to give anymore money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fox Collection Center is reporting accounts to the credit bureau that do not belong to me. I asked for validation of the debts that they were reporting and they all sent back statements with the WRONG address on XXXX out of XXXX of them that I have not resided. I gave them 30 days to validate, I demanded removal and they stated they dont report addresses. However, they are still reporting accounts to my credit file that hold addresses that I have never been associated with. How can they keep reporting a debt that doesnt even have correct information? This is unfair and scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The XXXX XXXX XXXX was billing my XXXX son rather than myself, his mother. I am the primary insurance holder and responsible party that should have been contacted to settle the balance. I was unaware of the balance owed of {$12.00} and had paid for all of my known balances. I recently received a Credit Collection bill in the mail addressed to my XXXX son and immediately called the Credit Collection XXXX and XXXX who said they had made a mistake in billing my son. They have made other billing errors before and I am filing a complaint as I am concerned that this type of mistake would affect a non-responsible party, especially XXXX who is a minor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I wrote to the credit bureaus and explained to them that where I lived they never properly explained that I was going to be liable for the debt. That they only listed me in the apartment lease because I was older than XXXX. I explained to them as well that I never paid anything while I was there I had even said prior to moving out of there that I was going to move and the manager said that it wouldnt be a problem because I was never going to be liable. Later on I found out that in fact I was held liable just like the people that live there that moved out of the place without paying and it affected me horribly because til today reports on my credit report as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Ballybunion Enterprises, Inc
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
freedom furniture and electronics sued me where i did not live. i had no idea about the lawsuit, and was never given proper notice. they are taking money from me on a monthly basis only because they threatened to put a lien on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I decided not to argue about the debt as it was {$110.00}. The issue is she wrote down all XXXX digits of the credit card which is a violation of the XXXX rules and regulations and I am filing a complaint with them. She also wrote down the security code. It is a violation of Federal Law to write down the XXXX digit security code. She refused to provide me with a copy of that form. She admitted that they do this every day. 

This business needs to have a surprise visit so they can not hide the violation. Business name and address : Alpine Credit Inc. 
XXXX CO XXXXXXXX advise how this illegal practice can be stopped and the business fined?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm being harassed with numerous phone calls regarding a debt I didn't know I had by, Wakefield Associates, and XXXX. There's hasn't been any form of validation of the debut, or contract. The collections were reported to all three credit Bureau 's resulting in my credit score declining over XXXX points. I wasn't warned, nor notified prior to the collections reporting. I would like for the collection agency to remove the collections and also stop harassing me via phone. The amounts for Wakefield associates is {$760.00}, and XXXX {$180.00} and {$230.00}.

Company response to consumer: Closed with explanation