BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: EQUIFAX, 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:
4TH REQUEST!! PLEASE ATTACHED FTC REPORT!! PLEASE CLEAR COPY OF MY ADDRESS!! **** EQUIFAX PLEASE DONT SEND ME ANOTHER FAKE LETTER SAYING MY INFORMATION ISNT CLEAR!! BEACUSE EQUIFEX SENT ME A LETTER WITH MY NAME SPELLED WRONG AND SAID THE COULDENT BLOCK INFORMATIOM, WHICH TELLS ME TH HAVE MY ACCOUNT MIXED UP WITH SOME ONE ELSE. PLEASE ATTACHED.

PLEASE BE ADVISED THIS IS MY 4TH REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sirs and Madam I have made several complaints regarding Arvest Bank1 ) Case # XXXX ) Case # XXXXWich they where dismissed with LIES stating that did not have Authorization forms. At that time I called you CFPB and you asked me to repeat the process and start again. At that time I filed another XXXX complaints1 ) XXXXStating the same thing as the first XXXX as listed above. Then filed the second one2 ) XXXX wich at that time I proved to CFPB in reference the Authorization forms and how many my attorney XXXX XXXX had send them wich I foward you all XXXX of them. 
It leaves no choice but to prove to you once again that this company cares nothing about governing them self proper ethics and continue to break Federal laws. Due to financial issues I had to file Bankruptcy wich was filed on XXXX XXXX, 2015. Once again Arvest Bank and their hired guns violated my Federal Laws by contacting me by hiring XXXX XXXX XXXX wich at that time they contacted XXXX XXXX my attorney handling my case # XXXX XX/XX/2015 please see attached email. Then on XX/XX/2015 they send a private adjuster XXXX XXXX from XXXX XXXX company to question me at XXXX XXXX office at this time WITH OUT AUTHORIZATION FORMS. XXXX XXXX after questioned me like I was the one doing wrong then continued to follow me home and entering my home and taking pictures of property area interior. Under Federal Bankrupcy laws that was unlawful for them to do I found out they could n't do what they did so I contacted them and confronted them with it. They try to cover there tracks and go behind my back and got an authorization form from XXXX XXXX wich was dated XX/XX/2015 after being question by XXXX XXXX. This company comes to show that do not care about the Federal laws like they are above them. I do n't know how many times this has to happen before a Federal government agency that could stop this ABUSE. I 'm at your mercy my attorney says I have to do this but until when is enough how long is the Federal Government allow this to happen. To further add to injury in Arvest Bank is refusing to make payments to the General Contractor on money 's paid by insurance claim as stated on Case # XXXX and # XXXX making it harder for me to do a home modification because the General Contractor is putting a lien on the house for nonpayment from Arvest Bank as I was told by my attorney XXXX XXXX. I do n't know what else to do I 'm waiting on your response so I can continue foward legally. I 'm at your mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Aspen Properties Group, LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX I received a notice of mortgagee 's sale of real estate from Aspen Properties Group , LLC via the law firm XXXX XXXX XXXX. The mortgagee 's notice of foreclosure sale is for my property at XXXX XXXX XXXX XXXX, XXXX MA XXXX. The loan was a home equity line of credit that was cancelled by the original bank in XXXX. The HELOC had a maximum draw of {$170000.00} and I never withdraw that amount nevertheless Aspen Properties Group is foreclosing on my property for the entire amount of {$170000.00}. I have reached out to Aspen to prove the correct amount that was withdrawn from the HELOC but to no avail. Aspen has schedule XXXX XXXX as the sales date. This is also a time-barred account per XXXX XXXXXXXX XXXX. Per their payment statement the loan is 4101 days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Phoenix Financial Services LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Vericred Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A company named VeriCred Solutions just reported a {$7200.00} balance on my credit report. Prior to this account appearing on my credit report today, I never received my 30-day notice of right to dispute. When I called the company to ask why they reported this debt before contacting me, they would not give me an answer. They just said they were going to sue me. I still have no clue what it is, or where it came from. They are violating several of my individual federal rights, under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-02-27
Company: CCS Financial Services, Inc.
State: VA
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 federally protected consumer and a natural living person. I am aware that this company by the name of Credit Collection Servic is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Credit Collection Servic should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Called TransUnion because I have been trying to apply for a loan and they will not give me a credit score, or the banks that have been trying to run my report. I spoke with a  representative at TransUnion about by non existent credit score.. he told me that I did in fact gave a score but he couldnt give it to me unless I paid the monthly member fee of {$29.00}. And I asked again if I did infact have a score and he said yes that he was looking at it but he could not give it to me.. and obviously no else.. now I know that my credit score was low the last time I checked a few months ago.. I had done credit dings.. now they are all gone from my report except one, and it says I paid on time and closed the account after a few years ... so how can he refuse me and the banks my credit score? And when I run my free yearly report.. nothing ...

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 2022-07-08
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:
I XXXX XXXX am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from myXXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Capital One sent an email indicating that they were restricting my Capital One 360 accounts until they could verify recent activity and that they may contact me to confirm this activity. The email also indicated that based on the results of the review the accounts may be closed and the balance plus any interest earned would be transferred to my linked external account. On XX/XX/XXXX I called the number listed on my online account and spoke to a customer service representative who informed me that Capital One had decided to terminate my banking relationship with them and was closing the accounts but could not provide any additional information due to an investigation. She said that someone would contact me within 2 business days to provide more information. I contacted Capital One again on XX/XX/XXXX after I didnt receive a call and was automatically routed to a voice mail for Capital Ones Customer Protection Resolution Team due to the status of my accounts and I left a voice mail with the required information ( including account numbers, callback number and name ) expecting a call back within 48 hours as stated on the message. On the same day, I sent a letter to Capital One requesting that someone contact me regarding my accounts and the next steps. I have called back four more times since then and have left multiple messages requesting a callback to no avail. I have also sent another letter on XX/XX/XXXX to the address provided in the email for the Customer Protection Resolution Team with delivery confirmation and have found that the letter was automatically forwarded to another address and has yet to be delivered. At this point, the original balance on the accounts as well as funds from a wire transfer that I was unable to cancel remain frozen on the account without any further communication ( verbal or written ) from Capital One. I have had two out of the three accounts currently locked since XXXX and never had any issues so Im not sure what prompted the investigation or lack of response from the bank. Since I am unable to speak to a person ( I went to one of the branches and they told me to call the same number I have been calling all along ), I would like to file a formal complaint against Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX and enrolled in the XXXX XXXX XXXX XXXX program. I was making payments as scheduled and when I called in to Navient to get information about my loan, they told me that I was NOT enrolled in the XXXX XXXX program and that they could enroll me now, but none of the payments I had been making would count towards the 10 years of loan payments. Every time I send in documentation, they somehow never receive it and I get a different story each time I call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Simon's Agency, Inc.
State: VA
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 federally protected consumer and a natural living person. I am aware that this company by the name of Simons Agency INC, is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Simons Agency INC should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for Citi AAdvantage card, and was promised a promotional bonus of XXXX XXXX XXXX miles, on spending {$3000.00}. 

I wanted to confirm that Citibank has correctly issued these bonus miles. 

The reason for me asking for this confirmation is that XXXX XXXX is alleging that the bonus miles were not issued correctly and have therefore suspended my account. So I wanted to make sure that everything was correctly issued from Citibank 's side? 

Thank you.

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 2018-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 an account with XXXX XXXX XXXX  account # XXXX This account should no longer be reporting on my credit report. It is past the six years nine month mark since I was late. I also noticed that each bureau is reporting a different month for the item to come off. Who isn't doing a proper investigation and making sure only accurate and timely information is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Company: Credit Technologies, Inc.
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Credit Technologies inc improperly an inquiry on to my XXXX and XXXX credit reports without my permission and when I contacted them they could find no record of me. I explained to them it was most likely related to fraudulent activity and want it removed to no avail. some on was trying to obtain credit or a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation