BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: PA
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) Two payments were sent via XXXX XXXX XXXX online XXXX to Loancare for {$520.00} around the first of XXXX and first of XXXX. XXXX XXXX tells us they havent received the payments from Loancare. Loancare says they have no record of receiving these payments. XXXX says the funds were debited. XXXX provided a copy of a deposited check from XXXX, deposited to a XXXX XXXX account. 
XXXX XXXX went ahead and made an additional payment to XXXX XXXX for {$1000.00} in late XXXX to ensure the account stayed current. At this point wed just like a refund of the payments sent to Loancare. 
2 ) A negative remark was added to our credit reports XX/XX/22 showing the XXXX payment was missed and the account was closed more than 90 days past due. 
a. Wed like our payment history accurately reflected on our credit reports.

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 2017-08-24
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:
I submitted a complaint to cfpb ( # XXXX ) inXX/XX/XXXX. It was corrected. Now, todate, I have the same problem re-existing on my credit report. I have sent letters to  TransUnion and to XXXX but had trouble disputing on line with XXXX. I have old statements showing the situation was fixed. XXXX  confirmation number is XXXX showing that {$350.00}. from XXXX was satisfactory and that the account is " closed. '' Whereas, on my credit reports, they state that amount above was never paid and is open and is still in collections. This is wrong. XXXX Account No.  XXXX - date opened:XX/XX/XXXX. This has a 0 balance is a closed account. It is shown as a " derogatory mark '' on my credit. 

Can you please help me rectify this again? 

Thank you for any of your help. 

Sincerely, 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 explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX {$10000.00} XX/XX/2018 I have disputed this account on several occasions, I have asked please not to show it in my credit report and it has disappeared but it reappears and I am concerned because I have not authorized it to be displayed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland funding debt company Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Amount in collections {$1000.00} I never had this account or anything associated with it. This is false. I have done several disputes and sent letters which have been ignored. They continue to deny the disputes, yet can not prove this is my account in anyway or that this is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020 XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX Date of XXXX XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 NAME : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : 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 2022-10-03
Company: EQUIFAX, 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 this complaint 30 days ago and it has not been responded to by the collection agency to any credit bureaus, or the CFPB, or me. It has been over 30 days and this awful violation that occurred via a letter The XXXX XXXX XXXX sent me referencing bogus laws, and coercing me into not disputing and accused me of furious disputing which is illegal and Im breaking the law! I demand the CFPB address this complaint for it has been over 30 days and the furnisher of the letter keeps manipulating the system and the complaint is being concealed. I demand this be addressed today! This was the first complaint with the damming letter sent to me attached! ( XXXX ) over 30 days ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: LA
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:
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Hewitt-Capital
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a phone call this morning and spoke with the lady on the phone and then I spoke with a gentleman named XXXX. I was informed by the lady that I was going to be served by XXXX County Police Department and if I did n't pay it then legal action would be taken and the paperwork was to be served for to appear in court. I was also told that she would see my accounts that were attached to this loan. And I was also told that it would go after anyone who was a reference on my account and also that they would serve me either at my place at home or my place of business. To not give me information on what the paperwork was for until I spoke with XXXX it was just to let me know that they we 're just giving me information about what they were trying to do. She did not inform me at first of the conversation either that this was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021 I attempted ( at least 10 times, to make a XXXX XXXX purchase on the XXXX XXXX site of {$320.00}. I had to use another credit card to make the purchase! I called the number on the card to find out what the problem was. The representative could not help me and I spoke to a supervisor, and that person could not explain it. I told her then to send me another card that I could use. I have not been able to use this card since the previous annual fee yea,. Why would I again be billed for another annual fee for a card that was not useable? I missed out on the purchase miles ( the reason I have the card ) and now SNYCB wants to charge another annual fee.

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 2021-02-09
Company: Direct Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband received information that was very vague on this so called account. Voice mail that was left had portions of the call that were robotic. I did not call the phone number back in fear it was a scammer. I dont know how my husbands phone number was obtained. The number he has is a work phone number that he has to answer for all calls that he received were work related or Non-Essential. He is then responsible for repayment on his end if Non-Essential. 
This I feel is invasion on my privacy. They got my husbands work phone number and left a message about me without my permission. 
Any help would be much appreciated! 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Claim number : XXXX Never in my life I have seen such a bad, useless customer care service and a department for Fraud & Dispute which does not know its work.

After 3 days of trying to get hold of fraud team and after numerous call holds for 2 -3 hours each finally on XX/XX/2022 - XXXX XXXX  I was able to speak to someone from Fraud and Dispute team. ( I wish I could have spoken to someone more knowledgable on subject ) Cust Rep Name : XXXX Team : Fraud & Dispute I told her reason for the call, asking her reason on why my dispute claim was rejected. She said I should submit a police complaint and they will help me get money back. I asked why we have fraud/ dispute team then, she said I dont know. I told her about " FCBA '' and asked about points mentioned in " https : //consumer.ftc.govXXXX XXXX XXXX XXXX FTC for which she said she is not aware and put me on mute. I was shouting/ asking questions on call, but she went somewhere and later I could only hear keyboard noice and finally she disconnected me. 
If this is kind of team you have with such kind of persons, then BOFA is a bigger fraud and their banking license must be cancelled.

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 2018-05-31
Company: Experian Information Solutions 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:
I've attempted to fix this multiple times. Company is reporting debt that I believe is either expired ( over 7 years ) or completely non existent. According to the records of the party they are reporting this debt is 4 or 6 years old depending on the source they provide. Please note that based on the XXXX balance on a XXXX credit limit two options could have occurred. Company they are acting for as an agent is attempting to collect/report on debt over 7 years old or engaging is usury under XXXX law ( 16 % civil, 25 % criminal General Obligations Law - GOB 5-501 ) I've attached an analysis of compounded interest to prove my point. 

( credit limit on original defaulted card ) {$300.00} USURY RATE Compounded Int Running Balance 1 16 % XXXX XXXX 2 16 % XXXX XXXX 3 16 % XXXX XXXX 4 16 % XXXX XXXX 5 16 % XXXX XXXX 6 16 % 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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED

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 2022-01-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 NAME : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I think around XXXX of XXXX, I noticed my mortgage company, Cardinal Financial, was reporting me as a delinquent account on my credit report of my mortgage amount of {$88000.00}. 
When I called, they said I owed {$15.00} for escrow or something like that. I paid an extra {$9.00} or {$13.00} to get it taken care of on the phone that day because I wanted it to stop showing up on my credit report. 
However, it has not disappeared. Here 's the catch- I am in forebearance with Cardinal due to Covid hardship and we are in the process of getting a partial claim applied. In the meantime they continue to report on my credit. 
Currently the amount is for {$12000.00} which I am guessing is the amount I need applied to my partial claim {$8800.00} plus any payments I have made that they are not processing. That is another phone call to them. 

I have told them more than twice and had my agent with Cardinal, XXXX, tell them to STOP reporting me on a credit report but they have not complied. 

1.They should NOT be reporting me because I am in the process of a XXXX hardship forebearance. 

2. The amounts keep changing on my credit report- on XX/XX/XXXX $ XXXX ; on XX/XX/XXXX {$8800.00} ; on XX/XX/XXXX - {$88000.00} ; on XX/XX/XXXX - {$9700.00} ; on XX/XX/XXXX {$10000.00}- which is the difference of my CURRENT mortgage payment that I paid on time! They obviously are not applying my payments to my account, which is another phone call. 

3. I am paying my mortgage on time- they should NOT be reporting this on my credit report. 

How do I get them to STOP reporting my hardship forbearance on my credit report? Perhaps you could help? I am nervous and fed up with them and think they are playing games so they can take my house. But that's another phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Flatonia Investments, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX Envoy reported our loan as closed 90 days past due. The loan is still open and has not been late on payments. We did make two payments to the old servicer during the 60 day window of the transition to the new servicer, and the old servicer ( XXXX ) refused to forward those payments or acknowledge them. As XXXX refused to forward these payments, we went ahead and made the same payments to XXXX XXXX. 

Also, Envoy sold their interest in the loan to XXXX XXXX in XXXX of XXXX. Why are they still reporting this loan on our credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: ABSOLUTE CREDIT  LLC
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/19 a debt collector called me, I said I would call them back after the holidays to set up a payment plain and he became rude and started insisting that I pay the debt in full at that time. He keep going on and on harassing me. I called back later to request a different person that I could work with to resolve my debt and a person by the name of XXXX XXXX started yelling at me and being abusive about my outstanding debt and how long it had been outstanding. He was not will to work with me and I again request a person that was not abusive. I have tried to contact the administrator there and keep getting XXXX XXXX. He caused me of things that were not true. The other very rude persons name was XXXX. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have attempted to get these 2 credit inquiries from XXXX off of my credit report the dates for the inquiries are XX/XX/2017 and XX/XX/2017. I disputed them XX/XX/2017 with XXXX and the credit bureaus. XXXX stated they do not have any inquiries in their system for those dates. I disputed them with all three bureaus and they stated it was accurate and to contact the creditor. I contacted the creditor prior to disputing with the credit reporting agencies they have no record of the inquiries. I am tired of going back and forth with these credit bureau agencies and I want these inquiries removed. I spoke with XXXX exec off speaking with XXXX XXXX at XXXX and he handles escalated situations and he informed me that the two inquiries are not in there system so there is nothing for XXXX to dispute on there end.

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 2021-03-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hazard insurance premium paid from my escrow account has not been received by insurance company. 
Servicer refuses to release detail information such as copy of check paid to insurance or to refund funds back to my account.

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