BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
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: Problem with personal statement of dispute

Complaint:
The response to my complaint indicated that Equifax had previously removed the disputed item on two separate occasions from my credit file and now it has been added back  a 3rd time  under a different name. Please review your past files as you will see that you have already removed this same disputed item in the amount of {$640.00} under  XXXX  different creditors names in the past. The issue is they are selling the account and it keeps getting placed back into my credit file which is illegal since it was already disputed and removed twice.   This was Equifax 's response to the latest issue and the reason they do n't see the other names mentioned is because Equifax had already removed them from my file in the past. Equifax reinserted the same disputed item just under a different creditors name.  <P/> Dear  XXXX   XXXX , we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. Please be advised that all account data contained in your Equifax credit file is electronically reported and updated by the data furnisher. Equifax did not reinsert the accounts listed in the complaint. The following disputed items are not currently reporting on the Equifax credit file :   XXXX   XXXX   XXXX   FOR {$640.00} AND  XXXX . The disputed  XXXX   XXXX   XXXX  account number ending in  XXXX  has been verified as reporting correctly on the Equifax credit file with your name, current address and social security number. Adverse accounts will remain on the Equifax credit file for up to 7 years from the date of last activity or date of first delinquency. Written confirmation has been sent to you on  XX/XX/2017   . A complimentary copy of your credit file has been mailed on  XX/XX/2017   , please allow  7 to 10 business days for delivery. Please note that for future disputes of credit report information, you may visi t www.equifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: IL
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 explanation
Consumer complaint received 2019-12-09
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: Their investigation did not fix an error on your report

Complaint:
I recently received paperwork from your company in regards to the disputed accounts on my credit file. I have yet to receive any type of corresponding proof that you performed an investigation of any type. I have contacted the creditors directly and provided you with the documentation, yet your company XXXX continues to intentionally harm and damage my credit. I have written you on ( 6 ) six different occasions regarding the so called verified/accurate accounts. According to the FCRA section 611 ( 15 USC 1681 ) you have 30 days to comply with my request and 15 additional days if needed which you have not. My ID and SS card were scanned in legible and clear you are in violation of the rules and regulations, therefore you must remove the accounts listed below for failure to investigate and or validate under section 623. Also, I have a host of non-account bearing and unauthorized inquirys showing as well and would also like to have them deleted. I am sure after review from your legal counsel you will adhere to the rules and regulations of the FCRA, less you are prepared to pay the steep fines which you have amassed ( 6 ) different request for failure to comply. 
I reviewed a new credit report dated XX/XX/XXXX and noticed that I have accounts that are inaccurate and in violation of the FCRA. Attached is a copy of the accounts and the listed violations for each. Note : these accounts were deleted from Experian and XXXX last year and I am sure you received the information because you guys share it. Either provide the proof in the form of signed contracts, identifying documents, DL & SS card or any legal documents you received from the creditor which would validate your investigation or you must delete these invalidated and inaccurate accounts immediately. 
1. XXXX XXXX  ACCT # XXXXXXX for {$400.00} Furthermore, I have explained to you that I was a victim of identity theft. I have never had XXXX as a financial institution. Clearly you can see that but you insist on violating the FCRA and a blatantly attempting to do malicious harm to my credit. 

2. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$XXXX}. 
Violation : activity on a closed account, inaccurate payment history, See XXXX print out. 
3. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$XXXX}. 
Violation : activity on a closed account, inaccurate payment history, See XXXX print out. 
4. XXXX XXXX XXXX XXXX  ACCT # XXXXXXX opened XX/XX/XXXX for {$XXXX} Violation : activity on a closed account, inaccurate payment history, See XXXX print out.

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 2017-06-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on or  XXXX   XXXX   XXXX  equifax,   XXXX   and  XXXX  took information from a    XXXX    2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB  Fine  these agencies to the tune of  XXXX  of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, LVNV FUNDING LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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: 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 2021-11-15
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 information incorrect

Complaint:
I have been writing to XXXX XXXX and the credit reporting agencies for months disputing the incorrect reporting that XXXX has put on my credit reports. XXXX is reporting late payments for months after my account with them was paid in full and closed. I received letters from XXXX stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to XXXX to be sure that they received it. I have written to XXXX 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). XXXX absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. 

I have disputed this with XXXX, XXXX, and Equifax. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Thanks for documents you sent me, I concluded after my investigation that you are part of the ongoing fraud that  XXXX   XXXX   XXXX  Has orchestrated with  XXXX   XXXX . You have shown on your transfer documents only the current balance, but my monthly statement with deferred balance. There is no deferred balance on my mortgage and that will violate federal law. and even the current balance is questionable. The court will sort out and take the suitable action. I will attach this complaint with some document which you have already have but to refresh you memory in case you misplaced. please study those documents and contact with   XXXX   XXXX    XXXX  about its authenticity. Please provide me my account manager. I will see court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2011, I used XXXX XXXX bill pay to make a mortgage payment. The amount should have been {$1500.00}, but instead {$7500.00} was debited from my account. Over the last 9 days over half a dozen calls have been placed between the mortgage company, my bank, and me. Each phone call, the story changed as to the information needed. First it was a printout showing the money had ben debited and that the debit had posted. The it was a statement was needed. That can't be provided because the statement period hasn't ended yet. Next they demanded the running balance on my checking account. This was allegedly to show that we hadn't gone to XXXX asking for a refund as well. This was unnecessary, as a XXXX rep on a 3 way call had already verified that with bill pay, that was impossible. Then the next rep wanted a copy of the check, which only exists on their end. XXXX pays electronically, and their bank creates a check from that. They refuse to verify that on their end. Finally, on XX/XX/XXXX, the mortgage company said they will not refund the money. This is with them and XXXX verifying the amount, and that it was debited and posted to my account. Each rep we spoke to had a different set of rules and there has been no standard in requirements to correct the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage Servicing ( NMLS ID XXXX ) refuses to apply my payments as directed. <P/>They took over my loan XXXX XXXX of 2017, and after a very slow process to get my loan on-line, I have been attempting to make payments. <P/>Due to their ridiculously slow processing, I made initial principle payment prior to any statement. On my check I stated it was a principal payment. <P/>Since XX/XX/XXXX, I have used their supplied statement to designate how I wish for the funds to be applied. I would include mortgage payment plus additional principle. <P/>When I went to check my account, I found that they had not followed directions at any point during the process. The principal payment was assigned to monthly mortgage payments and the monthly payments were assigned as principal. Evidently, they failed to read any payment slip and just deposited the funds however they wished. <P/>I called numerous times, but was never assisted. I finally, sent an e-mail to their assigned ombudsman in XX/XX/XXXX. The ombudsman corrected the original errors to some degree, but now I find that they have misapplied my funds again for XX/XX/XXXX. <P/>I have contacted the ombudsman again on XX/XX/XXXX, but have not received a response. <P/>Their failure to follow instructions is adversely affecting my credit rating.

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 2017-06-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX XXXX 2017 i recieved a letter from XXXX XXXX XXXX. about a credit debt thinking it was a scam i ignored it. went to apply for auto loan and was denied due to collections ( XXXX XXXX XXXX. ) I went on to the credit beauro 's sites and posted disputes not one but twice after XXXX XXXX refused to accept the fact i had disputed it as fraudulent i called them and they did not want to listen as i told them if was a fraudulent account and the bill was not mine far to say they said i would have to have proof well i filed with the federal trade commission identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Aargon Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Credit Bureaus never did a proper " Investigation '' according to the FCRA.

The term " Investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted of why may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investaged but how is that possible if the open data is inaccurate, the date last active is inaccurate, abs date last reported is not accurate. This ground for removal. 

They also violated the law according to 15 U.S C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-06-15
Company: Flagstar Bank, N.A.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I noted my mortgage payment check has not been cashed. I called them today and spoke to someone named  XXXX . She told me my payment was being held in the  XXXX  post office due to a mail delivery problem and not to worry, I 'm not the on ly one and  they have put a stop on a late charge due to the mail delivery delay. The bank is Flagstar bank. Phone #  XXXX . Pymt amt of  XXXX . I told them I never heard log such a thing and why have they not notified customers.

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 2022-04-07
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Ive contacted Bank of the west for the last 2 months trying to get erroneous fees reversed on a dormant account that Bank of the West required I open in order to obtain a loan on my RV from them. 

I have called and spoken to the XXXX, CA branch manager only 1 time which took more than a dozen phone calls, her name is XXXX XXXX. She would not return any fees or close the account at my requests and has not provided another avenue to get this accomplished. 

I then called XXXX 's regional manager, XXXX XXXX at XXXX multiple times in the last month about the account that was opened and Ive wanted to close because the fees you are charging for it. Again, the loan department required I open it and said it would be free but they are charging a monthly fee. I dont want to pay for an account that is not needed. Ive asked for the charges to be reversed and the account closed because its not active. Both XXXX XXXX and XXXX XXXX at XXXX branch wont help me and I continue to be charged for an account I can not get closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I, XXXX XXXX XXXX received a written communication from Toyota Financial Services indicating they are in the debt collection business and stated that the communication was an attempt to collect a debt. Pursuant to 15 USC 1692c a debt collector may not state that the consumer owes a debt nor may they use any language or symbol on the contents of any communication which indicate a person is in the debt collection business pursuant to 15 USC 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was looking to purchase flight tickets for XXXX XXXX in XXXX, as i was browsing i came across from this offer from United ADVERTISED as a XXXX $ credit on the first statement if you are a first time cardholder. The tickets that i was looking to purchase were around 300 $ there was a button showing the value of the tickets - XXXX $ credit and saying APPLY NOW, so i did, i have filled the application and was approved instantly and was able to purchase the tickets. After the first statement, the credit was not applied and i have called CHASE, the card provider to see why the promotion wasn't honored and the answer that i have received was that i have " applied '' and received a different card, their standard card, which offers XXXX miles bonus after you spend XXXX  . I have tried to explain that at any time in my application it did not say that i am applying for their standard card and not the promotional offer. It is a total rip off and FALSE ADVERTISING. Apparently the offer was just advertised but as soon as you apply you get the standard card, i called numerous times and try to get to the bottom of the issue but nobody was able to give me a clear answer, i only got sympathetic tone and apologies. I feel like i was robbed and its very sad to see this happening here. SHAME on CHASE and UNITED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to covid i went into forbearance i ask for help with a modification which I was told by a home point financial advisor that it would be a better option..at the time there was a streamline option that didn't require paper work. It would allow to put the past due amount in the rear of my loan continue with regular payment and same interest rate 2.9percnt ..i went with a modification that was approved at XXXX per month 3.5percent interest rate. Which is not at my best interest. Home point financial states that the VA decided my interest rate which is not the current rate is a much higher one..now my other options are closed by home point financial and i have to accept this modification or risk losing my home

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: MA
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:
There is a wrong hard inquiry on my Equifax score ... unauthorized hard inquiry ( XXXX XXXX on XX/XX/2019 ) ... result of ID theft.

Company response to consumer: Closed with explanation