BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
As stated in full detail with my   XXXX   Complaint (  XXXX  ), I am requesting that Equifax do the same, remove all Negative Information that was submitted by  XXXX   XXXX   XXXX  located at  XXXX   XXXX   XXXX    XXXX    XXXX  in  XXXX   XXXX .  XXXX  who claim they are collecting for  XXXX   XXXX   XXXX  ( closed ) located in  XXXX  Illinois and   XXXX     XXXX     XXXX  that 's closed also. The phone numbers that 's listed on my Credit Report :  XXXX   ( 24 hr. Tape Recorder  only  )  and  XXXX  is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Financial Management Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 'm going thru identity theif this is not me their    XXXX   more than this and it 's really affecting my lively Hood i w as living in my own home at the time this any a few more debts were put in my name is their a way we can fix this asap plz hard working mother of  XXXX  need fix this quick

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have been sending you several letters letting you know that I did not open that account! I dont have an email of XXXX. Furthermore, someone opened that account with my information. My information was stolen and reported that to the creditors so that no-one could open any account with my information. Additionally, I never received letters of Capital One to the mailing address you are reporting!! I urge to delete the account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have asked them to removed all non account holding inquires off my credit report due to the fact that I did not give them or anyone else permission to run my credit. Most of them are on the same day from a car lot that I have never been to or talked to anyone that works there, none of these inquires are mine.

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: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage servicer  XXXX  Mortgage provided inaccurate account information to my mortgage insurance company resulting in a warning letter that my mortgage insurance would be cancelled. According to federal mortgage servicing law, the mortgage servicer must make timely payments so the aforementioned does n't happen. Due to this error there are potential monetary penalties that could be imposed as well as the possibility that the insurer will not renew my policy when it comes up for renewal due to the error committed by Freedom Mortgage. I am now considering legal action for direct, indirect and consequential damages.

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 2021-12-15
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX we began a traditional mortgage refinance with Citibank. Our refinance loan was approved in XXXX of XXXX and the closing was scheduled for early XXXX. The day before closing Citibank had not provided the lawyer with necessary documents so the closing was rescheduled for the following week. The following week Citibank had still not provided the documents to the lawyer so the closing was again canceled. A week later Citibank notified us that they had switched systems internally and had to move our loan and loan documents into the new system. They informed us that we would not have to provide any additional documents and that they would take care of all of the transfers while honoring the original terms. This turned out to not be true, documents that had already been provided were asked for again. Further more Citi asked for new documentation that had not been asked for in the original loan package. In XXXX of XXXX Citi reversed its decision and told us our refinance was no longer approved. ( An action that falls under deceptive mortgage practices ). When we complained to Citibank stating that our loan had previously been approved and they can not reverse this decision they reopened our file. Since then ( XXXX ) Citibank has continuously asked us for documents. Very often the documents being asked for have been provided or addressed multiple times. XXXX employees have apologized and told us they dont understand why our refinance has not been approved. It seems Citibank is using a circular request for documents as a stalling process and means to not approve a previously approved loan, this has also corresponded to Citibank learning that I was XXXX and planned to take XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX, XXXX and XXXX of 2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Between, XXXX, Transunion and XXXX  is a violation act of the XXXX Reporting inaccurate date last active or last payment are not the same in each credit bureau

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 2017-04-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
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:
This collection agency  I. Q Data International is att empting to collect an alleged debt that I do not owe to them. They have also reported it to all three credit bureaus. I have never received a notice of my right to dispute. I have never signed a written contract or verbally agreed to pay any debt t o I.Q. Data International. The y also have not provided any information showing where I have agreed to pay them for the alleged debt. Furthermore they are illegally attempting to collect a debt from a resident of the state of Texas where it is illegal to do so if you have not obtained a surety bond and filed it with the Secretary of State according to Sectio n 392.101 of the Texas Finance Code.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes and FTC letters regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Bliksum, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Company name-   XXXX   XXXX   Account balance starting back to  XXXX   XXXX , {$2500.00} Payment amount monthly- {$390.00} Balance as of this day including sending a check for {$2500.00}  XXXX   XXXX ,  XXXX  for pay off includes an additional amount of {$960.00}. Have an email confirming additional amount squeezing me for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have disputed {$94.00} charge from XXXX XXXX XXXX on my Capital One XXXX XXXX ending with XXXXCapital One is refusing to honor the dispute, even though I have provided statement from XXXX which shows that I paid the full amount corresponding to my stay in XXXX as well as a signed letter to Capital One stating the same. 

I have called Capital One three times to resolve the matter but their agents refuse to handle the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA
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:
Debt collection compnay is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     I was contacted by them via Phone, and also throug h US M ail. They are trying to collect a debt for {$15.00} plus {$30.00} Returned Chec k Services    Charge f or a total amount of {$45.00}. When contacted by phone I would not give them any personal information. I also received in the mail a debt collection letter from this company. The debt is for the online  XXXX   XXXX   XXXX . I contacted  XXXX   XXXX  by phone and I do not have any debts due, and they told me they do not use a  XXXX  party services to collect their debts.

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: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
You removed  XXXX   XXXX   XXXX   XXXX  because the company could not provide valid information, they are the ones that removed it and you have put it back on my credit again. This is in violation of the FCRA. Experian is in violation of trying to reinsert information that could not be verified. I am demanding that this information be removed immediately. Unless you have updated information meaning PHYSICAL PROOF, a contract with my signature then you are in violation of section 609 of the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: TN
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 wrote a letter about accounts that may be found in my credit file that were erroneous and inaccurate not long ago, and I'm disappointed that they're still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My name is  XXXX   XXXX  and I have reported m y Tjmaxx Master ca rd lost/stolen back in  XXXX   XXXX . I have paid my valid balance and closed this account. I have received a letter after few days that they approved my fraud claim and removed all the charges. Now all of a sudden I have received an email in  XXXX   XXXX  that I still have a balance of some {$2100.00} . ( cr edit card ending  XXXX  ) When I called Tjmaxx credit card, I was told that they have denied my claim back in  XXXX . This is so unfair and I want them to disclose all the investigation as I do not agree with their decision. It is on my credit report as a negative factor and I want this to be resolved ASAP.

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 2021-12-15
Company: Medical Society Business Services, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company " Bureau Of Med Economics '' and XXXX XXXX are in violation of my Hippa rights. I've attached correspondence between myself and this company. They've provided my my health records with providing my a Hippa signature... .This is a violation of the Fair Credit Reporting Act. I do intend on filing a Lawsuit should this account not be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
ATTN : Legal D epartment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsectio n ( 8 ) (  D ).   The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sectio n 623, subsection ( 7 ) ( A ). To  date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accou nts may constitute th e reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that t he FCRA 623 ( 8 ) ( E ) ( iii ) establishes  a time-frame for these issues, and that se ction 621 of   the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit re port as : 1.  XXXX   XXXX   XXXX  This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.   3.  XXXX   XXXX  this account has never been verified error please delete.    4.   XXXX   XXXX  this account has been delete and was never update throught the bureau please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted numerous request also a previous CFPB request. My rights are still being violated. I have the right to request verification of the debt is provided by The Federal Fair Debt Collection Practices Act. I have NOT received information validating these alleged debts.Instead of receiving debt validation as requested I received a response from Transunion it another language. I believe it to be Spanish I'm not certain. This is a stall attempt.I need legal proof not a response of verified. I have submitted disputes in the past I have never requested another language. I received responses in English only. 
Account : XXXX XXXX XXXX XXXX XXXX Account : 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 non-monetary relief
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: WY
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:
When shopping for a mortgage I have had credit ran within 45 days, as per the law, I am able to shop without counting as multiple inquiries. However, this is not the case as each has resulted in multiple inquiries on my credit. I am self employed and had trouble with finding appropriate mortgage specific to my situation. This has made it completely unable to obtain business credit as I am working on building business credit as well as bringing down my credit score and requiring more of down payment requirements along with higher interest rates. I contacted creditors along with credit bureaus and every time they state it is verified. Each inquiry is not consistent with it stating mortgage inquiry rather multiple are labeled as XXXX or bank credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Lewis, McDonnell & Associates
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I logged on to XXXX XXXX and seen an delinquent account Lewis, Mcdonald & Associates opened XX/XX/2020 for the amount of {$1700.00}. I disputed it XXXXhree times with no results, I also contacted the company and I found out it was a collection agency that collects for several trac phone companies. I have never had a trac phone. I have an account with XXXX XXXX XXXX and account with cricket which is also with XXXX XXXX XXXX and Ive had those accounts for about eight years or so. When I called to inquire about this charge the rep said there were eight other people with the same name as mine XXXX XXXX and they had no other info other than that! I emailed the company on Friday XXXX XXXX in regards to the discrepancy and Im currently waiting for a response. Im reaching out to you now because I was told by a friend in the fraud department at a bank to file with your department so here I am. I hope Im doing things in the right order. I had a sprint bill in default and currently paying that off but this trac phone thing is not my doing. Thank you for listening. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In thirteen years of good faith payments, OCWEN financial shows a primary balance on my mother 's mortgage loan ( a loan that I am beneficiary of ) that is only several thousand dollars less than the original loan amount. OCWEN also has never reported any of her payments to any credit reporting agency, which negatively impacts her credit score. For   undisclosed reasons by the company, the escrow account attached to the mortgage loan is nearly {$3000.00} in deficit, despite monthly escrow payments included with billing statements. The escrow balance statement makes absolutely no sense, as the payments " received '' do not reflect the actual payments supposedly included in the monthly mortgage payment. On top of this, despite the monthly escrow payments, my mother is somehow behind on her property taxes. This loan was originally held by  XXXX   XXXX   XXXX  which went bankrupt in   XXXX   due to the subprime housing collapse. OCWEN is now not disclosing who actually owns the loan, since  XXXX  is defunct. Beyond the previously mentioned items, the loan maturity date of  XXXX  is outdated by the actual date the mortgage would be paid  off (   XXXX   ) by 1 5 years according to how the mortgage payments are now being distributed between principle, interest, and escrow. OCWEN has never disclosed any information to my mother, or myself, about options to refinance with a lower interest rate and have failed to disclose the missing escrow monies. It also appears th at OCWEN failed  to actually put money into escrow for the first three years of the loan, even though it was intended in the contract - this is the only explanation for the unpaid property tax situation. OCWEN has also not disclosed who underwrote the home owner 's insurance, so there is no way to tell if escrow monies are actually being paid toward home owner 's insurance and property tax, or if there is simply no insurance on the house or mortgage loan at all. This subprime mortgage loan is probably one of the last in the country that is left from the housing crisis of   XXXX  , and was intentionally designed to fail from the beginning, however, to the companies dismay, the payments were kept current, and the hosue did n't fall into default and subsequently disclosure. Instead, the company decided to bilk my mother of thousands of dollars that are missing from the principal balance payments and escrow monies, leaving me to pick up the tab when she passes on. OCWEN also refuses to release information in a timely manner, stating a processing time of  4 bu siness days for loan payment history, and documentation regarding the ownership of the loan. This is time that could be spent doctoring documents.

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