BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: P.S.C., Inc
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In review my XXXX  report ; I found this debt was from a eviction from a private landlord, i.e. Original Creditor : XXXX XXXX XXXX that was over 7 years ago ; it went to court in Washington State and there was a judgement ; to which was never resolved due to major discrepancies with this landlord that was not following laws. 

On XX/XX/2019 the original creditor XXXX XXXX XXXX sent this uncollectable debt to PUGET SOUND COLLECTIONS. This can not be collected, the original creditor knows that and the collection agency should know that.

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 2015-11-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is my XXXX XXXX dispute over this issue, Equifax responded and resolved some of the fraudulent inquiries, I did dispute them with equifax and they stated that they would not remove and claimed there " factual records on file '' I provided them with the police report as well the extended fraud alert, I have on my credit rerportFraudulent Inquiries -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX, XXXX XXXX XXXX/XXXX/2015XXXX XXXX , SD XXXX Phone : ( XXXX ) XXXX XXXX/XXXX/2015XXXX XXXX , UT XXXX XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I see there is another hard inquiry made today from Capital One on my report. Ive filed complaints for two hard inquiries on XXXX XX/XX/2022 that are fraudulent one has now shown open account on XXXX XX/XX/2022. I see another hard inquiry on XXXX XX/XX/2022 which is also fraudulent. I have not applied for an account with any of these agencies. XXXX XXXX, XXXX, XXXX XXXX, nor Capital One. Please remove and restore my credit score immediately. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a couple of accounts that showed as delinquent on my credit report since I could n't find any record of those accounts in my files. I asked them to provide physical proof of verification of the account or remove them from my credit report. Their response was that the account had been verified but did not provide either the name of the employee who verified the account or physical proof of the verification of the account. Do n't they have to verify the accuracy of the data reported not just report whatever is sent to them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has been notified that they have violated the privacy laws. This is a violation of HIPPA. They have also not responded to any of my request. These are major violations of the FCRA, FDCPA. No one has provided me with a signed authorization to release any of my personal information nor my medical information to any collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Ad Astra Recovery Services Inc
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Debt that I allegedly Owe has yet to be verified. Ad Astra Recovery is trying to collect on a debt that they purchased from another company ( XXXX XXXX ) and is now reporting the debt negatively on my credit profile because they are trying to collect on a debt that is not theirs to begin with. These actions have resulted in a collections account being reporting on my profile. These actions are illegal and needs attention because AD ASTRA RECOVERY has yet to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have tried numerous times to get fraudulent inquiries deleted off of all of my credit reports and I have spoke with the credit bureaus, disputed the information, and have received the same " Inquiries are a factual record of file access. '' within 2 days of filing the dispute and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! 

To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. 

I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title XXXX sec. XXXX that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately!

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 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the past nine months dating back to XX/XX/2017, I have been in dispute with Transunion re : a derogatory tradeline reported by a company named XXXX XXXX XXXX alleging that I owe a balance of {$230.00}. I have requested Transunion verify this account with factual tangible documentation bearing my signature proving this account is legitimate and belongs to me. I have requested the names, addresses, and telephone phone numbers of actual people Transunion verified this account with. In addition, I have requested Transunions method of verification and to no avail, all my requests have been ignored. In response to my dispute, I have received nothing more than a computer-generated response letter continuing to claim this derogatory XXXX XXXX XXXX account has been verified and is being reported accurately. Upon the initial dispute with all three credit bureaus back in XX/XX/2017,  XXXX and XXXX promptly deleted the derogatory XXXX XXXX XXXX account from my consumer credit reports as XXXX  and XXXX were unable to verify the XXXX XXXX XXXX account belonged to me and that the account was being reported accurately. Based on XXXX and XXXX  response to my dispute re : XXXX XXXX XXXX, I believe Transunion is acting in bad faith and violating my consumer rights as well as the Fair Credit Reporting Act section 609 and 611 by not complying with continued requests for factual documentation, substantial evidence, and method of verification to verify this Enhanced Recovery Company account. This is my final attempt reaching out to XXXX requesting compliance with federal laws and for the permanent deletion of the derogatory tradeline being reported by XXXX XXXX XXXX. Since XX/XX/2017 Transunion has been unable to verify and substantiate their claim this Enhanced Recovery Company account belongs to me and is being reported accurately. In receipt of this CFPB complaint and at the expiration of the allotted time frame given to Transunion re : this matter, should Transunion continue to report this unverified XXXX XXXX XXXX account on my consumer credit report, I will be pursuing legal action seeking damages for violations of the Fair Credit Reporting Act including but not limited to section 609 and 611.

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 2022-12-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I owed XXXX just over {$4300.00} and I paid it in full. I tried multiple times to close the account but they refused to close it. I tried doing it myself on the app and calling them. They refuse to close the account and charged me interest of almost {$70.00} after the card was paid off. They keep trying to access my bank accounts as well. They will not send me a written bill. All I want is to be debt free but these criminals want me to stay in bondage. Let me go Synchrony Bank!

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 monetary relief
Consumer complaint received 2022-01-27
Company: Kashable LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am filing this complaint because KASHABLE have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently participating in the cares act covid forbearance. My mortgage company, shellpoint mortgage has denied me the 18-month extension according to the cares act policies. 

shellpoint mortgage did now allow or provide me with the initial 6-months forbearance from the beginning of my cares act covid forbearance according to the policies. 

Additionally i never received my 2nd extension according to the cares act covid forbearance policies. 

I feel shellpoint mortgage has denied me my rights under the cares act by refusing to adhere to the policies for covid forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax about some incorrect, inaccurate, and fraudalent data on my credit report and the collection companies that are reporting the data and asked them for validatity of the debt which is required by federal law ( FCRA ). The collection agency did n't provide me with any information and it 's been over 30 days and I petitioned Equifax to delete the collection accounts and have n't gotten any justice! I want this well documented with the CFPB so when I proceed to file a civil lawsuit my greivances are documented that I went through the proper channels and I 've tried to settle this before proceeding any legal action. If the collection agency ca n't provide me with documentation, how are they proving anything to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Resurgent Capital Services L.P.
State: MO
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 have a loan with LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ), XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX   XXXX  ( Original Creditor : 11 XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ), XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, 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:
On XX/XX/2020 I was going over my credit report, I noticed inaccuracies and inquiries that did not belong to me nor do I have any recollection of XXXX then proceeded to do extensive research on what I should do concerning being a victim of Identity fraud. I read the FCRA extensively concerning my rights and I came across 605B of the FCRA Which states my rights as an Identity theft victim. I then contacted my local Police Department and filed a report. 

On XXXX I sent Equifax a letter with my police report as instructed from the FCRA concerning the identity fraud. 

On XXXX I received a letter from Equifax stating that the would block the fraudulent information and that they would investigate for an additional 30 days and keeping the Erroneous information on my credit report pending Investigation. Bad enough that I'm a victim of identity fraud and now I have to have Fraudulent information remain on my account for an additional 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pray CFPB will investigate and put this wrongful foreclosure attempt to rest. Please read the attached letter for CFPB and all the documents after. 
Rushmore Loan Management Services ( RLMS ) is committing fraud, theft, perjury and extortion, in an attempt to foreclose on my property. 

They have neither mailed a certified letter, a phone call, or notice posted on my door every since they acquired the transfer of the alleged debt from XXXX XXXX XXXX who I have complained to the DOJ, FBI and Wa. State Attorney general RLMS violated the Fair Debt Collection Practice Act, Fair Debt Billing Act and countless other laws pertaining collecting debt.

Questions that need an answer 1 - I need to see the Wet Ink Original Note to see if the proper chain of title and endorsements 2 - I want the names, address and phone numbers of the investors that bought the note 3- UCC 9-210 ( e ) ( 2 ) provide mailing address and all assignee or successors 4- Verification and Validation of the alleged debt 5- Did RLMS pay to acquire alleged debt and how much 6- What contract if any must be provided to authenticate alleged debt 7- The amount of debt RLMS claim is owned

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: LendUp Loans LLC
State: MO
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 have a loan with LENDUP, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXXXXXX XXXX, XXXX, LENDUP, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed, with all XXXX reporting agencies, items I feel are not being reported legally or are erroneously reported.I attached all of the dispute letters. They, agencies, have not delivered or supplied any or all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. I demand these inaccurate and or incomplete items to be removed from my files immediately. 
Thank You. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied ( XXXX ) to refinance an existing 30yr fixed mortgage to another 30yr fixed with Quicken Loans. The initial process was fine. Upon applying I made it clear that one of my properties was newly purchased and I had only XXXX ownership of the property and had not even met the other owners nor have all the typical paperwork like insurance or property tax bills. At underwriting, the underwriter for my refi loan with QL insisted that I send a copy of the hazard insurance premium. I repeatedly told them I did not have it and all I could do was contact the owner in charge of paying the premium who had that information. I wrote a signed letter explaining the XXXX ownership, what the insurance premium was for the year ( split 8 ways ) and what my monthly costs were for the XXXX ownership. The underwriter did not accept this. Eventually I was able to find out the insurance policy and have the insurance company send me a copy of the premium to forward to QL. During this time ( XXXX ), I was also given a redisclosure document set that showed increased loan costs. The increase reflected an outrageous increase for the property assessment. At this point, I was frustrated with the experience at QL and posted some low scoring reviews on websites regarding QL. My reviews were factually correct. After about two weeks, I received another redisclosure document set that showed increased origination charges and a " condo insurance fee. '' At this point, I believed the increased charges stemmed from my negative reviews. I asked repeatedly to change the increased charges but I was given the run around or told they would while no changes were actually made. The second redisclosure set of documents were deleted from the electronic dashboard of all the loan docs, which I was using as proof they were increasing the loan fees. I have a printed copy, which perhaps they were not counting on. Finally, I asked for my {$500.00} Good Faith Deposit back so we could go our separate ways ( since they insist on keeping the increased fees that should n't have increased ). I was told today ( XXXX ) that they would not return my GFD of {$500.00}. I explained that I HAVE acted in " good faith '' during this process, but they are refusing to take off the increased charges and are acting very shady.

Company response to consumer: Closed with explanation