BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: UT
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:
I have been disputing the information reported to credit reporting agencies regarding a late payment back in XXXX. 

My payment was not 30 days late. 

I made my payment on time, what happened was gap and mixup during the transfer of loan servicing from XXXX to XXXX. 

I made my payment on time to XXXX, however, unaware that my loan servicer had changed over from XXXX to XXXX  the money went from XXXX to XXXX and sat in a holding account because the XXXX loan number did not match the new XXXX. 

When I received the delinquency notification via USPS mail service, I immediate contacted XXXX and discovered my payment funds for XXXX and XXXX had been received but had not been applied to my new XXXX mortage account. 

The mix-up was corrected with funds applied and my account brought to good standing. However, what was not corrected was the information reported to the credit agencies that shows my loan payment was not 30 days late. 

This information reported is not correct and inaccurate. 

I've made 3 attempts to dispute this inaccurate reporting through Experian and each time no success. 

Now I'm reaching out directly to seek out the correction of this information. 

I'm asking the information reported to credit agencies be updated to accurately reflect those funds were received, and not applied to my new XXXX account. 

I also am very confused as to how XXXX is reporting on-time payments going back as far as XXXX when I never made payments to XXXX during the reporting periods.

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 2022-03-17
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LET ME START BY SAYING Loancare has the worst customer service ever!!! Just read the customer reviews or complaints online!!! I was hung up on and treated with disrespect. I was on the phone for hours on hold and explaining my issues, being transferred to escalation and repeating my issues and getting the same poor service. In a nutshell, my taxes got messed up with the county so my escrow was running short each month, I sent in my mortgage payments. They, however, keep saying I'm late and its in forbearance. It is not in forbearance I have made over XXXX timely payments of XXXX sense going out of forbearance!! So when I made XXXX payments of XXXX in XXXX month the e-checks had the month and dates on the e-check for the months the payments were due for. Loancare took XXXX of the XXXX dollar payments and put it in my escrow instead of making my monthly payment. Therefore making me late in the month of XX/XX/XXXX '. That e-check should not have been cashed for anything but what it was intended for, that being my mortgage payment!!! So as a result Loancare sent in a late payment status to my credit bureau bringing my credit score down over XXXX. This also was told to me by Loancare it would be removed and taken off my credit, it is not!!! Lastly Loancare knows I am trying to refinance my mortgage with another company and I feel they are not doing what they promised to myself to keep my mortgage with them. My last recourse will be to turn this over to my attorney XXXX XXXX Attorney At Law. I have all my bank statements to back me up for each and every payment I have made on time to Loancare!!! My bank statements will show I am correct and all this nonsense should be cleared up!! Thanks to all this I have lost the interest rate I had locked in and my application has expired for my refinance!! This in i'ts self will be a law suit. I would also like to add My mortgage payment is not even XXXX a month it is XXXX so I am over paying on it each month. The last XXXX persons that said they would fix the problems are XXXX ID # XXXX and XXXX XXXX ID # XXXX BOTH HAVE NEVER GOT BACK TO ME EITHER!!! SIGNED A VERY UPSET CUSTOMER AND I HIGHLY RECOMMEND CONSUMERS DO BUSINESS ELSEWHERE!!!! THIS COMPANY STINKS!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery acquired two debts ; one from XXXX XXXX and another from XXXX XXXX XXXX. Portfolio Recovery admitted to me that the origination of the debt was XXXX. However, they acquired the debt and they were threatening me that they will continue to report it because they purchased the debt. They were trying to force me to submit a dispute with them on the phone so that they had additional means in which to report and collect on debt that should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around early FXX/XX/2018 I requested statements from the creditor to validate the debt which is inaccurately being reported and adversely effecting my credit score.  You notified me that 1.your agent XXXX didn't misrepresent herself and It was a misunderstanding and that you would 2. Mail the statements I requested in 5-7 days. Well I have received theses statements On  XX/XX/XXXX and attached copies for all to see the careless work you do. Yeah maybe it was just a misunderstanding or worse, maybe you just don't care and it doesn't matter. You didn't provide any evidence of the original signature to validate the debt, no one nothing no name address or phone number, in fact the second sheet of paper could have been pulled from a trash bin. You sent XXXX XXXX a XXXX old resident from Wisconsin medical record of some sort. How do you make a mistake like that? I'm not going to exhaust any more time with communicating with you all. Please do not call me or I will consider it harassment. Send all correspondence by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: QUALITY ACCEPTANCE LLC
State: TX
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:
I did not give Quality Acceptance the permission to furnish information on my consumer report. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

Quality Acceptance is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with Quality Acceptance ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void. 

My complaint is also with two bureaus XXXX and XXXX who are allowing Quality Acceptance to put this incorrect information on my consumer report which are also violations under FCRA For those three violations I am seeking {$3000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX never sent any documentation over to XXXX XXXX about my student loan tpd to XXXX XXXX as stated by them and XXXX says it sounds like when I first started my tpd it was a different process but either way I sent over my 1099c form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. XXXX told me to tell them to send over my credit report and they will send over the correct information. After disputing my equifax 2.0 score dropped 28 points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to XXXX also the loan department of XXXX has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also XXXX a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
My previous claim XXXX, against creditor USAA was erroneously closed based on USAA making a false statement to CFPB. USAA represented to CFPB that I did not provide the requested front and back of state issued photo identification. Not only did I send the requested front and bank of my state issued identification, but also sent copies of my passport and social security card on XX/XX/2023 @ XXXX and the fax completed @ XXXX after receiving the USAA email XX/XX/2023 XXXX. I anticipated this happening, I'm not sure WHY the CFPB would take the word of the ECOA and FCRA violator without any conformation from the complainant, baffling. Nonetheless, I have attach all supporting documents to prove the validity of USAA declaration that I did not comply with USAA 's request. On XX/XX/2023 @ XXXX, I received a call from XXXX XXXX XXXX XXXX  of USAA and informed her explicitly I would not discuss my complaint with her and she should use the channel the formal complaint was filed with for any response. I then followed up with a XXXX page word document faxed to XXXX, acknowledging her introduction call and not discussing the complaint in any capacity. Those documents are also included with this complaint. At the time of my application my income was {$100000.00}, I've since started my own XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being help responsible for a account that is not mine I lost my information and this account was open fraudulently and the company is holding me responsible for the debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-06-28
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: Public record information inaccurate

Complaint:
I contacted XX/XX/XXXXand Equifax on XX/XX/2021, XX/XX/2021 and XX/XX/2021 about XXXX XXXX bankruptcies on my credit report. The FCRA states that if an account can not be verified it must be removed from my credit report. XX/XX/XXXXand Equifax says they got the bankruptcy information from XXXX XXXX so I contacted XXXX XXXX myself and XXXX XXXX couldn't verify the bankruptcies so they deleted both of them from the database. XX/XX/XXXXand Equifax can not verify the bankruptcies that they are reporting so according to the Fair Credit Reporting Act, they must delete both bankruptcies from my credit report. I am attaching the confirmation letter I received from XXXX XXXX to show the bankruptcies were deleted from the database. If XX/XX/XXXXand Equifax don't delete them I will be looking for an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: GOLDMAN SACHS BANK USA
State: VA
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 recently viewed my credit profile and noticed and/or incomplete information and accounts that are unverified. according to the fair credit reporting act 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C1681i, every single or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged account is to be deleted the FOLLOWING derogatory account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The infractions are as follows XXXX XXXX and Account as is reported as having a late payment on my credit report. 
{ XXXX XXXXXX/XX/XXXX LATE PAYMENT } { XXXX XXXXXX/XX/XXXX LATE PAYMENT } { XXXX XXXXXX/XX/XXXX LATE PAYMENT } I am demanding that this account be updated to Paid as Agreed and Never Late by the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: ONLINE Information Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection notice for {$200.00} from a company called Online Collections. Website is payments.onlinecollections.com and phone XXXX, address XXXX NC XXXX. XXXX XXXX, zip XXXX. Originating debt supposedly from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, phone XXXX. Address XXXX. XXXX XXXX XXXX XXXX CA XXXX. 

I called XXXX  XXXX  phone line and they say I owe XXXX  dollars. I never received any other bills than the one I paid for {$1800.00}. In fact, I overpaid and I am due funds. 

I believe this debt is fraudulent. They are also trying to collect info they dont have ( phone number ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: FISERV INC.
State: PA
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 received multiple calls and computer speaks about this {$40.00} bill. then they hang up. I receive a letter today XX/XX/2022 after 2 weeks of the ongoing phone computer calls. It says XXXX XXXX. I have no Idea who this is. I have no recognition what this company does or where they are. I filed bankruptcy in XXXX. So, I am Disputing this crazy bill. It is not mine.

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 2023-06-06
Company: MRS BPO, LLC
State: SC
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX {$230.00} and XXXX {$520.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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