BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
pra saying they dont have the account and are not reporting to credit reports but they are. XXXX XXXX needs to remove it asap someone is lying about reporting it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
**XXXX- XXXX is not the problem XXXX is the issue** I contact XXXX an explain I caught XXXX XX/XX/XXXX went back for check up and was admitted in the hospital due to problem with my XXXX and extremally XXXX XXXX XXXX. I was in the XXXX for XXXX XXXX They said no problem I need to contact the credit bureau which I did on XX/XX/XXXX to dispute XXXX XXXX  day delq. on my credit report report # XXXX got an update on XX/XX/XXXX nothing changed. Call XXXX on XX/XX/XXXX to find out why it didn't update, the representative at XXXX told me XXXX  stated it was not a valid reason, I need to contact XXXX. On XX/XX/XXXX I contact a manager at XXXX who advise me XXXX NEVER CONTACT THEM. WHY would XXXX HAVE A REPRESENTATIVE LIE WHEN THEY NEVER CONTACT THE COMPANY OR DID A PROPER INVESTIGATION. AFTER EXPLAINING TO THE MANAGER SHE REVIEW MY ACCT NEVER 30DAYS LATE IN FACT THIS IS MY 2ND LOAN WITHOUT A BAD PAY HISTORY. XXXX  STATED THEY HAD NO PROBLEM REMOVING THE 30DAY DELQ BUT THE CREDIT BUREAUS HAVE TO DO IT. SHE WAS WILLING TO SEND ME A LETTER TO CONFIRM. WHICH THEY DID.

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 2023-01-24
Company: Phillips & Cohen Associates, Ltd.
State: FL
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:
XXXX XXXX is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. XXXX XXXX responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent XXXX XXXX a proof of contract letter on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. XXXX XXXX is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times XXXX XXXX Negatively affecting my credit reports and score. They have now sold the debt to PCA Acquisitions V , LLC ( PCA ) XXXX XXXX XXXX XXXX XXXX XXXX Harassing me for a debt of {$520.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. XXXX XXXX responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent XXXX XXXX a proof of contract letter on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. XXXX XXXX is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times XXXX XXXX Negatively affecting my credit reports and score. They have now sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Harassing me for a debt of {$520.00}.

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 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital One is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. Capital One responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent Capital One a proof of contract letter on XX/XX/XXXX. Capital One responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. Capital One is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times Capital One Negatively affecting my credit reports and score. They have now sold the debt to XXXX XXXX XXXX XXXX XXXX ( PCA ) XXXX XXXX XXXX XXXX XXXX XXXX Harassing me for a debt of {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: CA
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:
Helllo, I am hoping you can help with a problem I am having with the credit bureaus. In XXXX I filed disputes with all three bureau and still have not got any response from them. How long does this take to get results back? We are going on 3 months now. Do I have to file a second rounds of disputes and keep doing so until they answer me? 
Having to take time away from my work to even file this complaint out is crazy when they should be doing there jobs.

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 2019-10-11
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX, Ocwen Loan Servicing, and XXXX have wrongful foreclosed on me and harassed me since XXXX. I have written CFPB several times about these companies and XXXX doesn't reply due similar allegations with other lawsuits they were fighting at that time. But now however they did respond back to the Alabama Attorney Office for the same complaint I had written to CFPB. Today XX/XX/XXXX I was served with notice to move out immediately and I'm going to comply. But for the record, I want them to know, the world needs to know they are doing the same under handed things they being doing, which causing them all to be suited several times and they still having learned anything. XXXX IS NOT SLEEP AND XXXX XXXX, OCWEN, XXXX HAVE ALREADY BEEN DEFEATED, IN XXXX NAME! I will get my settlement from them. Somebody is going to hear me, because I have young children in my house. 
They received the proof from my insurance company and have spoken with them. I have the deeds to my home! I did a mortgage modification in XXXX and they are not saying anything about, almost like them have pushed under the table ... .why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: IL
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, XXXX XXXX XXXX, a Natural Person, am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g , to inform you that I protest the alleged account/negative activity associated with my credit report. I submitted a dispute to Equifax, XXXX and XXXX on XX/XX/XXXX. Companies responded that all information was true and accurate. This is not a Fact. I disputed a bankruptcy listed on all 3 reports. The dispute came back as verified by all three bureaus. XXXX XXXX XXXX has been listed on my credit report as being a part of the bankruptcy since XXXX. XXXX, Equifax and XXXX have furnished false information on my report for almost 5 years. As you can see in complaint # XXXX XXXX XXXX XXXX confirmed that they were never included in the alleged bankruptcy. This response was sent to the CFPB on XX/XX/XXXX. This is 60 days after I was told all information is accurate, in which is not the case. Equifax, XXXX and XXXX have violated 15 USC 1692ga validation of debts. This violation has caused me mental anguish and stress. Equifax, XXXX and XXXX are in violation of 15 U.S.Code 1692 ( k ). please delete this alleged bankruptcy and all accounts associated with alleged bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: ALLY FINANCIAL INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have send the payment to my mother XXXX $ thru my XXXX account but they have send it to wrong account has closed in 2019 when I contact the my mom bank they find it in closed account then they have been send it back in XX/XX/XXXX back to ally no Im still on ally bank to give me the money since XXXX The transaction was made in XX/XX/710 $

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 2020-02-02
Company: CITIBANK, N.A.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
to whom this may concern : i was scammed in XX/XX/XXXX by someone i met online claiming to be from the US military. he lied about his life being in danger and needed money to help the processing for him to leave the " US military. '' i did a deposit into their account and soon realized it was a scam. 

i bank with XXXX and the receiving bank was US CITIBANK. there was nothing that my bank or their bank able to do to retrieve my money. 

i was ill at the time when this happened. i suffer from XXXX XXXX which makes it tough to make clear decisions and with this illness, we tend to be vulnerable when manic. 

1st deposit was made on XX/XX/XXXX in the amount of {$6200.00} & another transaction on XX/XX/XXXX in the amount of {$2900.00}. please see attached for receipts.

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 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
We have had this dispute with XXXX for over a year. We assumed this issue was taken care of because we didn't hear from them anymore. We had an issue with XXXX saying we owed them {$6200.00}. We told them that XXXX which our balance transfer went through had a positive balance of the {$6200.00}. It was a long drawn out process but XXXX finally released that money back to XXXX in XXXX. Now you would think this story is over since XXXX now has that negative balance paid off. It's not. I thought my credit score would have gone back up after paying off that balance. I use XXXX XXXX and there was nothing on there that had XXXX on there anymore. It was like it never existed. Which is what we wanted, but my score remained the same. When I contacted Transunion they told me I have a {$6200.00} balance with XXXX. I said, no, that was paid off in XXXX. They said, no sir, it is on there. XXXX XXXX doesn't show it you need to go directly to us to see it. Now I call XXXX to see what happened now. It's been over a year of phone calls. Well evidently they put me on a, " do not communicate status. '' I am not sure what they even means but the girl on customer service said, we are not to talk to you about this account. I didn't even know what was a thing. So now I am sitting her with this hurting my credit score. I have a company that put me on a do not communicate with this customer. That means they haven't sent an e-mail, a letter, or anything telling me that my account still has a balance. They closed this account. I want this taken off my credit report. I am trying to not have to take legal action again to get this resolved. If that is what they want to do, then they have to let me know. I know one thing, they will not be getting any payments from 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 2021-05-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
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:
I was advised by a XXXX XXXX rep to fill out this report because of unauthorized inquires in my report. Please remove all these unauthorized inquiries on my report. Thank you for your help. This is hurting my credit score and giving false information to future creditors. XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2023, XXXXXXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've contacted XXXX & they told me I've never missed a payment, yet the XXXX Credit Bureaus refuses to remove me from being listed as 30 days late on the account on XX/XX/21. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the XXXX Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

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 2021-05-24
Company: Oregon Credit & Collections Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On or about XX/XX/XXXX I received a strange voicemail stating I needed to call a number regarding a court case against me. I called the number was told they were merely an answering service, and was transferred to an outside " office ''. 

A woman answered, she stated she worked for an attorney. The woman actually gave me information about myself, including my current address and place of employment. 

The woman stated this was regarding a credit card from back in XXXX with a credit line of {$300.00}, stating that payments to this card stopped within that year ; she then stated they were going to obtain a judgment against me for {$8700.00}. I informed her this has to be fraud, as I did not have a credit card in XXXX and have had many loans for cars and a home after XXXX, surely this would have been brought to my attention during any of those transactions. I asked her for proof, she became difficult to deal with, stated that they do not make appointments to " serve '' me with paperwork. I asked her then how am I to know what this is really about and be able to speak on my own behalf? The woman stated that I clearly did not want to know the information and didn't care and repeated that they would just get a judgment against me. 
I stated to her that not only was this fraud, tis happened 19 years ago, if this was valid, statute of limitations expired many years ago. 
The woman would not assist me, would not give me information to be able to obtain any paperwork so that I could fight for myself and the call was ended. 

From this point, I called the local courthouse in XXXX XXXX, I was told they had NO open cases with my name attached, and that there was a lot of fraud happening, and this fit that description as they would have to had any hearing in my local county. I then checked the Oregon court website to find if they were trying to serve me in XXXX Ca. and hold court in Oregon, which is not to be done ; I found no open court cases with my name and neither XXXX courthouse or Oregon court yielded any results for the " case number '' I was provided by the woman on the phone. No one ever came to my home, nor my place of employment to attempt service. 
Recently, Oregon Credit & Collections Bureau Inc. sent paperwork to my place of employment to attempt garnishment in the amount of {$8700.00}, stating they did not know my address and they rolled the date to XX/XX/XXXX so they can now be within statute of limitations. At o time have I ever received anything in the US mail over the last 2 decades regarding this so called debt.

Company response to consumer: Closed with explanation