BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously made a request for validation and your response, or lack of response does not comply with its closure requirements set forth by the Fair Debt Collection Practice Act. You have not provided me with any evidence to establish that I owe you any money. Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim. I owe you nothing. I now have evidence that you are creating a frivolous lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Account information incorrect

Complaint:
XXXX is fraudulently reporting that that has been discharged on three or more accounts and destroying my credit. All these accounts are closed and discharged according to the UCC guidelines. XXXX is reporting accounts that have been removed from XXXX and Trans Union which is against The rules of The fair debt reporting act. I have disputed them and get no investigation, or any real verification of any debt. No documents will be provided or proof of verification.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

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 2023-06-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB Complaint for you to notify that I am not satisfied with the results on my credit report. I have fulfilled my obligation by bringing these inaccuracies to your attention. According to FCRA Section 605b it was the responsibility of the 3 credit bureaus to correct a portion of the data on my report. The following accounts needs to be corrected or removed : XXXX XXXX XXXX Balance Owed : {$560.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.XXXX  XXXX XXXX Balance Owed : {$330.00} - This account has been reporting inaccurate information regarding my payment history. I have provided documentation that shows I have consistently made payments on time and in full. XXXX XXXX XXXX XXXX : {$0.00} - I insist on an immediate update of the account in question as your bureau 's reporting conflicts with other credit bureaus. Your inaccurate record keeping is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting. Please remove this account as soon as possible. XXXX XXXX XXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - Your current reporting is unacceptable. As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If you can not ensure the accuracy of the information you are reporting, you must remove the account immediately. I demand that you take swift action to correct this matter, as any further delay or negligence will not be tolerated. XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. 
XXXX XXXX XXXX XXXX XX/XX/XXXX- This inquiry makes absolutely no sense to me, and I don't recall ever making it. Remove it immediately and provide evidence if you think it's mine. Otherwise, delete it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
. XXXX XXXX XXXX XXXX XXXX - showing a balance of {$14000.00} yet original balance is {$12000.00} this account is no interest bearing and has been paid in full as of XX/XX/2019. 

1. The balance being reported is incorrect and not showing full payment of account. No balance is owed on this account. Please remove this account and no longer ( cease ) to report this inaccurate account information again. 
2. Vendor verified this accounts balance and per their records this report is not aligning with their accounting, verify the balance or remove immediately. 
3. Account showing on time XX/XX/2019 & XX/XX/2019 but is reporting past due 90 days on XX/XX/2019, this is incorrect and fraud.

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 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Inaccurate account information is reporting on my credit report. Account number XXXX from XXXX XXXX for {$580.00} continues to remain on my Transunion and XXXX  report after several attempts to dispute it with with both credit bureaus. This account was disputed and deleted from my XXXX  report on the dates of XX/XX/XXXX, XX/XX/XXXX.  I have documentation to verify this. 

Which means that it was added back to my account twice illegally under a different amount, {$580.00} without any notification.

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 2022-05-17
Company: CORELOGIC INC
State: FL
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:
On XX/XX/2022 I received an email about getting a mortgage hard inquiry on my credit report that I did not authorize. This was done through Credco. I bought my home XXXX  years ago so I am not sure why this is being done again XXXX years later. This is impacting my credit score and I did not authorize this. Not quite sure how they even have my information. Could this be fraud?

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 2022-05-17
Company: Genesis FS Card Services, 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:
Mutiple Dispute letters sent to Genesis FS Card Services from XX/XX/2022 - present certified mail in reference to obtaining general disclosures and reporting options. By law 15 USC6802. Obligations with respect to disclosures of personal information XXXX XXXX are to provide each consumer XXXX different disclosures before reporting to a Non Afflilated third party. In response from Gensis FS in XXXX they asked can I explain what I need help with and each letter sent clearly stated what I the consumer was asking which is by law my right to have the option to disclose my information to non afflilated third parties. Gensis FS has failed to comply with 15 USC 1638 credit cards fall under truth and lending and there are alot of disclosures that are suppose to be given to me allowing me to know my consumer rights with this company. Since I started my disputes in XXXX my Utilization for both accounts are being reported incorrect to all three Consumer Reporting Agencies ; putting me over my utilization limit for each account. Trying to obtain credit with my credit cards being reported incorrectly to Consumer Reporting Agencies is damaging to my character. These companies withhold information from the consumer of what there consumer rights and really hold fast from allowing the consumer to exercise there rights. 
Gensis FS Card Services policy to report any information other than the line of credit that was extended is only applicable if all disclosures have been made by law and there are a lot of disclosures along with 15 USC 6802. 
Accounts with XXXX XXXX XXXX XXXX Destiny Card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint about XXXX  credit reporting agency. There are 3 items on my credit report that do not belong on there. The XXXX account ( I am uploading a letter as proof that fraud was done on this account ) and it was to be deleted. XXXX XXXX XXXX account does not belong reporting either. I have submitted numerous disputes with them but the situation is never rectified. My credit score is lower than it should be because of these accounts that shouldnt be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: EQUIFAX, INC.
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:
XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from equifax and XXXX- 'XXXX  FOLLOW SUIT WITH REMOVE ASAP '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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:
Below are a list of several inquiries that are reporting on my credit profile and have not been authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
Portfolio recovery refuses to validate the debt. On their online portal it does not show this account but they refuse to remove it from my credit report. I have documents showing on their site I owe nothing. It is the only collection on my account and it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The company, Carrington Mortgage Company, purchased our mortgage from XXXX XXXX Mortgage on XX/XX/XXXX. We had paid XXXX our XXXX payment on the XXXX and that didn't get transferred over to the new lender. While under their own 60-day grace period, we received our first notice of intent to foreclose. 

We went above and beyond to secure the loan and get it back to positive, even though that meant that we made two payments for XXXX. Once that was settled, on XX/XX/XXXX, we get notified that our monthly payments have increased {$180.00} to cover an escrow account that only covers our insurance. They reported that they paid our insurance and didn't have any money in an escrow account, nor did they receive any of the escrow money that was collected by XXXX XXXX XXXX. 

After talking with my insurance carrier, XXXX XXXX, they informed me that my insurance actually decreased. We are still being held responsible for what money they ( Carrington ) didn't collect from our previous ( XXXX ) and raising our monthly payment past our means to pay. It feels like they intend to push us out of our house and liquidate the asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/17 I placed a security freeze on my Equifax credit report in response to their massive data breach. In the past year I have tried twice to remove the freeze temporarily so that I could open new credit sources. The first time after hours on the phone with multiple customer service agents I finally determined that Equifax had changed the email account of record on my account without my knowledge or permission. This past weekend, I again tried to temporarily lift the freeze using the new email address but was locked out of the verification process. I again spoke with multiple agents to no avail. Finally one of them suggested I speak with a US based supervisor when they became available on Monday morning ( all weekend customer service is provided by foreign nationals who are clearly just following a script and have no discretionary authority ). I began at XXXX and spoke with XXXX, who transferred me to XXXX in the US.She listened to my story, acknowledged that she could not help me either, and put me on hold for a supervisor. After being on hold for 2 hours I gave up and filed this complaint. This is straight out of XXXX. Equifax mishandled my data and compromised my identity. I reacted by trying to protect myself and now they are punishing me by denying me access to new credit. Who's paying the price for their breach?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: CMRE Financial Services, Inc.
State: TX
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:
The company has only sent me one page statements. The most recent statement threatened to adversely effect my credit report. I called to clarify and the representative said that if I did not pay at least a minimum amount, they would write two credit bureaus and adversely effect my credit. I requested that they provide me any information pertaining to the account that details their authority to adversely effect my credit. They declined. XXXX ( Extension XXXX ) said that he would only send me any information required by law. I asked him to explain but he kept repeating that information. He also fraudulently stated that I made statements which were untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a complaint regarding the fraud information on my consumer report. I referenced U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, 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 by such agency. As of XX/XX/2023 the information remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Netspend Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My account was blocked and they told me that i couldnt receive my funds until i sent my social security card well all the social Securities are closed and there's no way for me to get my Social Security card the dates for the problem with the prepaid account we're here recently I should have two or three different payments in my account but they blocked it to where I couldn't receive it

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 2023-09-29
Company: Experian Information Solutions 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:
It has come to my attention, the BANK, has transfer an account to XXXX XXXX XXXX  immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their account #, without me first verifying the information they have on file. How can I verify information that doesn't belong to me?

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 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX credit card- last reported on XX/XX/XXXX {$2100.00} first opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX  XXXX XXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX  - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud Capital one - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. 
XXXX XXXX  XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 
XXXX XXXX " Capital one N.A last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.

Company response to consumer: Closed with explanation