BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: IN
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:
On XXXX XXXX XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XXXX XXXX XXXX. On XXXX XXXX XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. On XXXX XXXX XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XX/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today, XX/XX/2017, I  received an updated credit report from XXXX showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Someone attempted to open 5 different credit cards in my name using stolen information on XX/XX/2017. I was alerted by XXXX XXXX of this attempted fraud. I contacted each lender to explain the situation. I asked that the requests for credit be declined or the account closed and that the hard inquiry be removed from my credit report. It has now been almost 8 months and Capital One ( Saks card ) STILL has not removed the hats inquiry from my credit report. All the other lenders did so immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My husband and I get calls from XXXX office. They called my husbands employment ( he XXXX ) and when he said to stop calling him, they still called the XXXX. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed XXXX and we needed to settle for XXXX. We are in the process of getting legal representation to fight back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I contacted Santander about the account and asked about the several times i have asked for the debit to be verified I also advised that I wanted to Rescind said contract due to false and misleading practices used I was advised that my contract was not going to be settled and i am the one who is going to pay it I advised the employee/supervisor of the laws being broken and that the said debit was not verified and that I can rescind alleged debt / contract she advised me that that will not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt has surpassed the statute of limitations. The date of last of activity was XX/XX/XXXX, the SOL is 3 years in maryland, yet it still appears on my credit report despite me contacting the company several times. This company is inaccurately reporting on my credit report a payment made in XXXX however, no activity has been made on this account since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XXXX XXXX XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XXXX XXXX XXXX. On XXXX XXXX XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. On XXXX XXXX XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XX/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today, XXXX, I  received an updated credit report from XXXX showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).

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 2018-05-31
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage ( RPM ), received the property tax bill for my home as well as the property tax bill for an additional small piece of property attached to my lot. There is no mortgage on that lot. It was a GIFT. I do not owe a mortgage on the property. I do not have an escrow account for that property either! 

RPM used my homes escrow account to erroneously pay the tax bill on the gifted land. I asked them to get a refund on that payment as it was not part of my mortgage or my escrow. They have the mortgage documents with the Tax ID for the mortgage and the escrow. They will not acknowledge the documents attached to the mortgage. 

I also asked them to get a refund on the delinquent bill they paid from the previous owner. I did not owe the tax bill for 2017 since I didnt own the property. They claim since the land has a delinquency on it that they are permanently attaching it to my mortgage and my escrow. The delinquency belongs to the previous owner. 

I have sent documentation that the mortgage held by RPM is for Tax ID XXXX XXXX XXXX in XXXX XXXX VA. They should only pay the tax bill for that Tax ID number. The bill they are also paying is for tax ID XXXX XXXX XXXX. I have sent documentation to show them this land was a gift and there is no mortgage on it. In addition to try and help me with RPM 's mistake, the county provided me with last years bill ( 2017 ) to show the delinquency isn't mine since I didnt own the property. The tax bill was in someone else 's name. 

I don't seem to be getting anywhere with this servicing company and I need help. My escrow is being used for a property that is not mortgaged and has no escrow 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
Consumer complaint received 2018-05-31
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have multiple hospital bills and they're all now with Transworld System " dept collecter agency '' ... in all my visits to the hospital I've been seen for emergencies and since the first visit when the financial assistance came to take my insurance information I told her I don't have insurance so she told me you could apply for HCAP which is an insurance can cover patients who have low income! and after I gave her my information she said that I'm eligible for % 100 coverage and I will not receive any bills ... so when these Bill 's reported on my credit report I contacted the hospital and they said it was a mistake from the financial assistance that she provided me the wrong informations!!! so now I'm stuck with multiple Bill 's for the hospital and I can't even pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Supreme Lending
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We recently closed on our mortgage back in XX/XX/2022. We received confirmation on our documents that the funds to cover our county taxes were collected up front and put into our escrow account. The amounts we were required to pay every month to go into and towards our escrow and taxes were analyzed by our lender. It is almost time for our taxes to be disbursed and we received the Property Tax bill, and it is much higher ( over {$2000.00} short ) than what was collected upfront and calculated to cover this cost. It is going to create a shortage in our escrow account and make our monthly payments go up higher. This is going to create a hardship due to an error on the lending company not calculating and collecting the correct amount up front. This should not be something we have to make up for, the Lender should be responsible for this shortage we are just starting off with obtaining our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: IL
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 sent a letter out on XX/XX/XXXXXXXX XXXX, 2022 to XXXX, XXXX and Equifax. Here are my tracking numbers ; XXXX : XXXX XXXX : XXXX Equifax : XXXX According to the law 15 U.S. Code 1681i -Procedure In case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete The item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: FCC Finance, LLC
State: NJ
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:
Respectfully request good will reporting to remove neg remarks on my credit account. account was paid off in full. Company keeps putting me on hold and not returning calls or written correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account is part of a litigation case. The original creditor as well as Wakefield and Associates KNOW this but they continue to harass me and report inaccurate information to all three credit bureaus. Even my attorney has told them this! 

Any medical bills from XX/XX/2020 until XX/XX/2020 are part of litigation and can not be pursued by ANY collection agency until the case has completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt Collection Agency : I.C. SYSTEM, INC I NEVER heard of this company before, but I know their kind because I have been living in this nightmare for about 3 years. 

So an XXXX XXXX XXXX XXXXXXXX account was opened and closed promptly in my name but in a different state. Of course, I had no knowledge of it until someone dinged my pristine credit rating over and over again, resulting in a significant decline in my XXXX XXXX. 

To make the long story short, when I called XXXX XXXX XXXX did not even have a record of any account based on my information. But somehow, the original creditor is XXXX XXXX XXXX. Fortunately, my XXXX XXXX was restored after reporting that it was a fraud. I was so wrong! 

You see, these debt collection agencies sell the debt to " other '' collection agencies when they are not able to collect it. And promptly, without any notice, they would ding my credit ( some companies ding me more than 4 times a month ). And that charade continues while the victim ( that is me ) is helpless in doing anything. 

The credit bureau doesn't help ( XXXX ) because they said I need documents, but I don't have any and can't get any from those collection agencies. They just have my information, the amount of debt, and the POWER to ding my credit anytime they choose to do. It's about {$400.00}, and there is no way I would pay even a dime for such evil companies. 

Now, my credit score went down by more than XXXX points within a month because this company dinged me twice, I have to go through all these useless and unsuccessful steps once again to mitigate this situation. And XXXX XXXX wants me to file a fraud report to ftc.gov and send subsequent documents to them before they can " restore '' my credit score. 

Hope no one goes through what I am going through.

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 2017-06-08
Company: EQUIFAX, INC.
State: MS
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 sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions Inc.
State: MS
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 sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.

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 2022-10-06
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Here is a timeline of the most important actions regarding the XXXX  {$160000.00} wired to XXXX, to beneficiary XXXX XXXX XXXX : XX/XX/XXXX Wire was sent in XXXX, with Senders Reference Number XXXX - XXXX - XXXX, XXXX Reference Number XXXX -Confirmation Receipt attached-. 



XX/XX/XXXX Amendment XXXX message was sent with field XXXX Remittance Information to credit funds as follows : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Reply from XXXX XXXX XXXX, XXXX, in XXXX XXXX was : PLS BE ADVISED THAT UNFORTUNATELY WE ARE NOT ABLE TO ATTEND YR AMENDMENT REQUEST SINCE YR XXXX WAS ALREADY EXECUTED WITH YR ORIGINAL INSTRUCTIONS. AMOUNT PAID TO XXXX XXXX XXXX ( FEES DISCOUNTED AS PER YR FIELD XXXX OF YR XXXX ) VD. XXXX UNDER OUR REF. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX As per beneficiarys request, we opened a XXXX to XXXX the wire. XXXX XXXX XXXX. No response from beneficiary bank. 



XX/XX/XXXX A second XXXX request was sent. 



XX/XX/XXXX A third XXXX request was submitted. 



XX/XX/XXXX We were informed in a call with XXXX representative, that monies were in XXXX XXXX XXXX since XX/XX/XXXX with Reference XXXX. With that information our bank sent another XXXX, and our Intermediary bank replied the following : PLS BE ADVISED THAT UP TO THIS TIME, WE HAVE NOT RECEIVED ANY REPLY FROM XXXX. WE HAVE SENT ANOTHER REMINDER TO XXXX AS SOON AS WE RECEIVE A REPLY FROM XXXX WE WILL LET YOU KNOW XX/XX/XXXX We were informed XXXX XXXX XXXX had reached out to XXXX to recall the wire and waited for reply. No reply from XXXX. 



XX/XX/XXXX Again we were informed through XXXX XXXX that beneficiary was on XX/XX/XXXX in the amount of XXXX XXXX under ref XXXX. kindly advise if client has now been able to locate funds. 



XX/XX/XXXX XXXX wire room escalated to their contacts for assistance. No reply from XXXX. 



XX/XX/XXXX We requested our bank to send another Recall message with information provided by XXXX, which Is the same as the message XXXX provided on XX/XX/XXXX XX/XX/XXXX Our Bank informed us they were not able to submit more Recall requests. 



XX/XX/XXXX XXXX XXXX XXXX that they have submitted a Case ( XXXX ) with a request to have the beneficiary 's bank provide confirmation of where the funds were credited, but have yet to receive a response. In regards to the most recent XXXX communication, the request is still in progress. You can expect to receive further information within five to eight business days. If you need to contact us further regarding this request, please reference the following file number : XXXX -no XXXX  Messages provided-

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: SECURITY FINANCE CORP
State: AL
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 HAVE HAD SEVERAL LOANS WITH SUNBELT CREDIT IN  XXXX   XXXX  GEORGIA  XXXX  THE LAST COUPLE OF YEARS HOWEVER IT HAS NOT BEEN REPORTING ON MY CREDIT SINCE  XXXX  OF LAST YEAR IT SHOWS OPEN WITH A  XXXX  BALANCE AND WHEN I LOG INTO CREDIT SITES IT TELLS ME YOU HAVE AN ACCOUNT THAT HAS NOT BEEN UPDATED AND IS HURTING YOUR CREDIT I HAVE CALLED THE BRACK AND HOME OFFICE FOR MONTHS THEY SAY THEY ARE WORKING ON IT BUT ITS BEEN A YEAR.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a victim of identity theft. My personal information was used without my consent or knowledge. I have disputed the incorrect items with the credit bureaus and the creditors. Neither have ever shown, or sent me any proof that these were mine, no contracts or signatures. The items I want removed for fraud are XXXX XXXX XXXX  ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ) and XXXX XXXX ( acct # 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