BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-26
Company: EQUIFAX, INC.
State: GA
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 never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2016-07-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
My income tax refund of {$3600.00} was wrongfully direct deposited to a compass bank account acct # ( XXXX ) on XXXX/XXXX/2016. i have opened a investigation with the XXXX Police Department to retrieve my refund but the bank 's corporate security supervisor XXXX XXXX XXXX says the bank can only return {$900.00}. The IRS has been notified and they will send out a letter notifying Compass Bank has to return the full amount but no word yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband and I opened up an account with BBVA Compass Bank for our new vechicle. I was told by several reps that I could make a payment from our checking account since BBVA Compass bank did n't have a way to pay online. I made NUMEROUS attempts to pay thru our checking acct and was told that my bank " rejected " the transaction. After multiple calls to my bank, my bank advised me there was no record of BBVA Compass bank transaction. I made a " bill payment '' to BBVA Compass Bank XXXX XXXX/XXXX/16. I checked my bank on XXXX/XXXX/16 and confirmed BBVA Compass bank received my payment. On XXXX/XXXX/16 I started receiving XXXX telephone calls per day from BBVA Compass bank!!!! I returned the call and was told by a rep in the collection department that my payment was late. I advised the rep to double check the records and that the payment was sent via bill pay and received by the bank on XXXX/XXXX/16. After the conversation, I continued to receive calls from BBVA Compass bank XXXX8 times per day!!!!! The calls interrupted my day and evening. I had to put the bank on call block. I called BBVA Compass bank today- XXXX/XXXX/2016 and requested to speak with a supervisor. The call was transferred to XXXX XXXX XXXX. She pulled up my account and verified my account was paid on XXXX/XXXX/16. I advised XXXX a complaint will be filed for harassment from BBVA Compass bank regarding this issue since it should of never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
MY house was foreclosed and sold and now own supposed to be by XXXX XXXX XXXX, now CARRINGTON PROPERTY SERVICES sent me a letter it is not my property anymore.I have the original DEED OF TRUST, and XXXX XXXX XXXX . 
can not VALIDATE my loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I filed a dispute about some inaccurate things on my credit report. It's been over 30 days and I havent received any investigation results.

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 2016-06-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
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 have asked ARS to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I got approved for a loan to buy a house I have submitted everything I need to for them I paid for the inspection and paid good faith check after all of that they said I did n't get approved for the loan to cancel my contract because they do n't want to wait for the down payments assistant said that the Sellers do n't want to wait that long I feel like they are getting over on me I feel that they should have told me that I did not get approved before I spent my money and picked out a house Carrington mortgage in XXXX Ohio XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: NAVY FEDERAL CREDIT UNION
State: LA
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 am requesting the removal of ( 4 ) HARD INQUIRIES, extremely affecting my credit report during COVID-19 Pandemic. 
The dates are ( XX/XX/2020 ), ( XX/XX/2020 ), ( XX/XX/2020 ), and ( XX/XX/2020 ) on XXXX. 

The CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I would like to file a complaint against Rash Curtis & Associates Original creditor XXXX The following accounts XXXX {$170.00} XXXX XXXX on my credit file XXXX to XXXX {$650.00} XXXX XXXX on my credit file XXXX {$1800.00} XXXX XXXX on credit file XXXX {$450.00} XXXX XXXX on credit file I was a patient at the hospital and I had a XXXX and my insurance Paid for my XXXX and all the medication required. I just pulled my credit because I was being denied for employment and I was n't sure what the cause was. I do see that there are collections account and have been reported by Rash Curtis & Associates Original creditor XXXX .The collection company and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. PLEASE DELETE THIS FRAUDULENT ACCOUNT AT ONCE : XXXX  XXXX  XXXX  # XXXX. I dispute this debt and any accounts you may have in your office. The original creditor is also a 3party junk debt collector and has also failed to send any notice or verification of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XXXX XXXX my roof was damaged in a storm. I contacted my insurance company they sent someone out and they agreed to replace my roof. Funds were disbursed to the lender QBE/Seterus License # XXXX approx. {$19000.00}. We selected XXXX XXXX to complete the repair because of their outstanding reputation here in XXXX, FL. QBE/ Seterus refuses to start the repair process on my roof by releasing funds to the roofer unless I can find a roofing company that will agree to sign their Contractors Conditional Waiver of Lien attached here with. I have called XXXX roofing companies here in XXXX Florida and all refuse to sign such a waiver. Seterus then told me to go hire an unlicensed contractor to do the work???? Since XXXX the roof has become more and more unstable and is now leaking down the walls of the home and the a/c unit has filled with XXXX mold and has stopped working properly. The home is becoming completely uninhabitable and the damage continues to mount. Please Help Frustrated and Furious that Fannie Mae allows servicers like this to handle their affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I learn that i had a judgment on my credit report once i check my report. i was late but i paid the management of XXXX XXXX, this was in XXXX. My credit report states that it was satisfied XX/XX/XXXX.I do n't no anything about a court day. Or why this judgment exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Resurgent Capital Services L.P.
State: NY
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:
Request to delete/remove all LVNV Funding LLC accounts effectively and immediately with reference to both XXXX XXXX credit card debt. Current litigation in Supreme Court of the State of New York - XXXX county with my request to forever discharged, discontinue actions, and cancel XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX -- someone in my house of there people used my SS and ordered merchandise form this company. I received the merchandise, I think a dress, and I returned to this company and said I did not order. Their derogatory remark has lowered my score. If they check their inventory, this merchandise will be there. This room mate has long gone from my home but I have no proof that she ordered this is an assumption..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Debtor filed for bankruptcy and requested referral to the XXXX program. This program gives the borrower a chance to modify his/her mortgage loans while in XXXX. Although the borrower submitted the complete package to Seterus, it refused to submit the borrower 's complete package to XXXX underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Can not contact XXXX company to dispute the fees being charged to my account, I have tried several times to contact over the phone and get no were, they keep going thru the menu and then hang up.They are taking between 8 to 10 % fees from my account that is linked to XXXX, the fees are supposed to be 2.9 % plus {$.00}. 
I been frustrated trying to contact with no avail, to have them correct this issue and charge the appropriate fee. 
I hope you can get this straightened out. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX XXXX XXXX listed on my XXXX has been closed for 7 years as of XX/XX/2015 and was wondering why its still on my report? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
For the past 8 months I have tried to have XXXX fraudulent accounts that were re- inserted to my credit by Equifax once again removed from my credit report and history. 
I supplied Equifax with my original police report that was also stamped by XXXX, the accounts removed and re- inserted to my credit without notice. I have called and tried to get the situation handled by mail- its no use they continue to ignore my disputes. 
XXXX XXXX # XXXX XXXX XXXX They have also failed to remove the fraudulent inquiries from my credit XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has not removed an inquiry on my credit report from XXXX which was from a fraudulent attempt to obtain credit in my name. XXXX requested XXXX XXXX XXXX to remove their inquiry on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX without success. On XXXX/XXXX/XXXX I sent XXXX a letter at their request asking this inquiry be removed. I also attached a notarized copy of the Federal Trade Commission Identity Theft Affidavit showing the XXXX inquiry that was made as a result of identity theft. It has been almost seven months and I have not been able to have Equifax remove this hard inquiry by XXXX despite the XXXX requests from XXXX and my letter and FTC Affidavit requesting the same. The other XXXX credit reporting agencies have acted upon these requests and Equifax has not for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IN RESPONSE TO CFPB : XXXX Legal Department XX/XX/XXXX To whom it may concern : As per my credit report, ADVANCED COLLECTION BUREAU obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with XXXX XXXX. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via CFPB to Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In 2012 I was advise by XXXX XXXX XXXX to stop making my mortgage payment in order to qualify for a short sale. This information was not correct, since I could still be making my payments and apply for the process. Before this, I had a perfect credit. Now for this wrongful advice my credit is hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax shows XXXX/XXXX as an open collection, in partial pay agreement, as of XXXX/XXXX/XXXX. The dispute was initiated XXXX/XXXX/XXXX. Account was paid. Equifax reports there was no response for the investigation. They are still reporting it as open as open and unpaid. I wrote a letter, with a copy of the receipt. there still has be no change. I called to complain. They opened up another complaint, and closed it 3 hours later. The emailed the result : no change. Collections accounts can cause me to be terminated. I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
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 is missing that should be on the report

Complaint:
I APPLIED FOR MORTGAGE LOAN WITH XXXX. THEY USED FACTUAL DATA XXXX IN XX/XX/2020. BECAUSE OF COVID 19 XXXX CALLED ME WANTING TO KNOW IF THEY COULD PULL MY CREDIT AGAIN BECAUSE OF REMOTE WORKING. SO MY CREDIT WAS PULLED AGAIN WITH FACTUAL DATA XXXX ON XX/XX/2020. THESE XXXX PULLS SHOULD BE COMBINED INTO XXXX PULL FOR XX/XX/2020. BECAUSE OF COVID 19, 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have repeatedly disputed the items below but get XXXX resolution from Equifax. Not sure but do I need to sue them to get resolution to what the Fair Credit Act says I'm entitled to? Just wondering. The issues are as follows and better outlined as attached. 

1. outdated addresses still remain on my report 2. outdated accounts that are past expiration still remain on my my report 3. inaccurate info not corrected or removed per the law on XXXX. The info conflicts with another credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been working since XX/XX/XXXX for XXXX XXXX XXXX. My.credit report states that.I Have not worked since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX  XXXX XXXX re-opened an account under my name. This time it was opened with Creditor : LVNV FUNDING LLC. This was supposed to be expunged after 7 years and it has been that amount of time. But it was re-opened. That is not fair, i am never going to get this off my record. Please look into this, i don't want this on my record another 7 years.

Company response to consumer: Closed with explanation