BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I hired XXXX XXXX  to assist me with incorrect information showing on my credit report several years back which XXXX or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, XXXX and XXXX started to report debt and re age old debt as if it just happened and it's over 5 years old. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. 
Calvary Portfolio services XXXX XXXX XXXX XXXX multiple accounts XXXX multiple accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am currently XXXX and unable to work or secure full time employment. I am attempting to resolve a few issues on my credit report so I can relocate though a low income housing program offered through the XXXX XXXX XXXX. I am being represented by a credit counseling agency and on XX/XX/2021 they attempted to contact MS SERVICES LLC on my behalf to pay this resolve this debt on my behalf. I was literally in the office with them when they made the call and they refused to cooperate with my representative. This type of behavior is unacceptable from a professional debt collection agency that they claim they are. I will be contacting there client, XXXX XXXX XXXX XXXX and ensure that they are fully aware what kind of 3rd party company they are associating themselves with. We were simply calling to confirm the nature of the debt and pay it using the housing authority funds allocated for me through the homeless initiative. Why does a debt collector not want to collect debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my Venmo debit card. There were fraudulent and unauthorized transactions made. Venmo said they will investigate this and did not do a thorough investigation. They claimed a pin number was used when no one has access to my pin number. I then myself contacted all the merchants where fraudulent transactions occurred, and they all told me it was not a pin number used when my card was used. It was a signature-based transaction. Upon reviewing Venmos terms and conditions all fraudulent transaction should be refunded to my account along with freezing my card. This never was done by Venmo and Im asking for assistance. Venmo representative, then tells me to get documentation from the merchant which the merchant is unable to give me. They will only be able to provide it to Venmo. This is a tack of Venmo terms and condition said they should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: GA
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 filed a complaint with the consumer financial protection bureau about equifax and equifax has not removed the inquiries I had ask to be removed because I did not have my credit ran for these 27 inquiries to be on my credit report, here are all the inquiries I dont recognize on my credit report I took screen shots from equifax site, Im tired of filing a complaint and equifax does not want to reach out to the consumer and fix this matter so Im filing another complaint also in addition I did take a screen shot of one of there products that states it gives all three scores from equifax, XXXX, XXXX  for XXXX thats not the case I bought a product for XXXX and had to turn around and purchase XXXX to see the other XXXX XXXX, XXXX, but my main focus is the 27 inquiries in my credit report that I do not recognize I want them off my credit report, it is my right to dispute any and all inaccurate information on my credit report, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, these are the inquiries equifax has failed to remove .i I did not make these inquiries I want them removed off my credit, like I said under the fair credit reporting act anything I dont recognize and its incorrect on my report I can dispute this information I want these removed off my report, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 I received a call from ERC, a debt collection firm at XXXX XXXX EDT. Representative XXXX engaged in appropriate debt collection practices at the start of the call. This call is for a debt owed in the amount of {$770.00} to which I agreed to pay a settlement in the amount of {$540.00}. I explained to the representative that I will pay off the agreed upon balance within 30 days when more money comes in to settle the account as previously agreed but will only be afforded the reduced agreement at which point I voiced that I no longer wished to be recorded. Representative continued to ask question and press for more information while I had placed representative on mute. I stated to the representative that I no longer wished to be recorded on two additional occasions thereby forcing me to terminate the call. 

As I am actively seeking to repair credit in order to purchase a home loan, I am in a position which prioritizes collection agencies who are willing to work with me to re-establish a positive standing. For those who are unwilling to delete from record bad debt such as ERC are placed in a lower bracket to be paid off within 30 days. I feel that although my acceptance of the call at the start was respected, my wish to no longer being recorded in the last minute of the interaction was not honored per mini-Miranda rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX  - I filed a dispute with Equifax to correct false information on my credit report. The false information included someone else 's name, alias, date of birth, addresses, employment, mortgage and lines of credit. I provided copies of my personal information as requested by Equifax. 

XX/XX/XXXX  - Equifax closed the dispute and mailed a letter with their corrections. Equifax removed some of the false information, but left a false name, mortgage and lines of credit attached to my credit report. 

XX/XX/XXXX  - I called to speak with a supervisor to remove the false information. I was given a specialty case number. 

Current status - My credit report still contains the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: MS
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 double-checked my report and still see these inquiries appearing that I am not aware of where they came from. Listed below are the inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I Request these items to be deleted from my report ASAP.

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 2023-09-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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, Has violated my rights. 
15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my Written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I reached out to XXXX XXXX about account # XXXX and # XXXX and asked them to delete these inaccurate derogatory accounts. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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 2020-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
They are reporting this account monthly after account was closed and is charged off. I requested a full report of this account and till this day, I dont have any answers. They failed to respond to my pending Notice of Direct Dispute. They still haven't done their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
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: Problem with personal statement of dispute

Complaint:
I have talk to equifax on several occasions, for starting up dispute on my credit, and the furnisher no nothing about it, equifax put in a dispute with my student loans with out my permission dropping my score 8 points for no reason, i reach out to my student loans and they clueless with this dispute thats on my loan and equifax And they denial the fact of taking partake in dispute and i never disputed anything on my student loans and equifax dont wont to take responsible for dropping my score with the negative remarks on my student loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to the company on XX/XX/2019 asking Midland Funding to please validate this debt they are reporting on my credit report. They received Monday, XX/XX/2019 at XXXX XXXX. I have not heard back from Midland Funding in regards to this debt which remains on my credit consumer report, in which they are attempting to collect for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank purchased and took over my mortgage on XX/XX/XXXX. They did not have proof of flood insurance, so they placed flood insurance on our property. We however did have flood insurance through our XXXX. We provided proof in XX/XX/XXXX, but the insurance agent only sent over proof for a few months. We we had the insurance agent send over proof for the remaining months. 

Fifth Third Bank has indicated they will not send the money back, but instead apply it to Escrow, for which they claim we owe more money. However, after walking through the situation with help representatives, they come to realizes they actually do owe us the money back. I've ordered two escrow analyses ( one in XXXX and one in XXXX ). However, the bank is still refusing to pay us the amount we over paid. When I speak with someone from Fifth Third 's insurance department, they tell me we have been credited back the {$4800.00} ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). But to their surprise ( Fifth Third 's own insurance department employees ), the two payment amounts reimbursements are showing up on our statements. 

So, the bank says here is this product ( insurance ) that is XXXX. We say " no thank you '' we have insurance. Please give us the money back. The bank says no. 

Escrow tells us it's an insurance department problem. Insurance department tells us it's an escrow department problem. 

I am filing this complaint on XX/XX/XXXX. Fifth Third Bank has kept our {$4800.00} for three+ months. I am on the phone with Fifth Third and they still refuse to send the money back to us. PLEASE HELP. {$4800.00} is a lot of money my family could have used to avoid financial hardships. How do we get our money back? How do we get reimbursed for financial damages caused from Fifth Third retaining money they should have not retained?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded in my vehicle, a XXXX XXXX XXXX on XX/XX/XXXX, and received the vehicle on XX/XX/XXXX. Since I traded the unit in, with a payoff pending I did not make a Payment. When I was informed that a payment needed to be made or I would be reported as late to the credit bureaus. I made the minimum payment the representative stated of {$290.00} on the XXXX and the payoff check was received the same day ; however, Bridgecrest did not post it to the account. Due to my payment and the payoff both being received the same day which would result in an overpayment but I was informed that I would still be reported negatively to the credit bureaus. I have worked hard to get my credit on track and I think this is wrong as they received both payments to complete the payoff of the 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 2020-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Applied for pre-approval offer thru capital one quicksilver one card. After verifying my information I was informed that my application would automatically be declined because I have a fraud alert on my report that does not have a number listed to verify. After verifying my current phone number with an agent I was informed that application will still be denied and I would have to reapply after having credit freeze removed from file. This would cause my report to suffer to 2 inquiries and more points deducted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CMRE Financial Services, Inc.
State: OK
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:
On XX/XX/2021, a CMRE signed for a dispute letter to a file that is located on my XX/XX/XXXXand XX/XX/XXXX report. They have failed to respond to this letter within the 30 day time limit. I have attached the signature page and letter and demand they immediately remove this collection from my credit files and send a letter stating this has been done. If this isn't done immediately, I will also contact my state 's attorney general who will forward the complaint to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am the author if this complaint and while checking my credit report today I found some fraudulent, inaccurate and incomplete information. Please conduct a reasonable investigation ( 15 USC 1681a ) and DELETE these accounts from my credit report 1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX 4. XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX ) 5. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) 6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 7. ( Original Creditor : XXXX XXXX ) 8. XXXX XXXXXXXX XXXX 9. XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX Late Payments ; ( update to 100 % paid on time ) 1. XXXX 2. 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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent accounts on 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 non-monetary relief
Consumer complaint received 2023-06-03
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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