BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent 3 letters to Portfolio Recovery asking them to provide me with documentation required by law with my signature showing I had some contractual obligation to pay them this alleged debt for {$2400.00}, they are reporting to the Credit Bureaus. They have refused to respond. I am also filing a complaint with the XXXX and my state attorney general XXXX XXXX because I have documented proof they have violated federal and state laws. The information is also inaccurate by listing different " opening '' dates XX/XX/XXXX and XX/XX/XXXX on my report as well as the status of the account reporting as " open '' to one Bureau and " closed '' to another. I have asked for validation associated with this account, bearing my signature. In the absence of any such documentation, I am formally requesting that this information be deleted from my credit files immediately. 

On XX/XX/XXXX at XXXX Portfolio Recovery signed for my 1st letter requesting within 30 days to validate the account or delete it. They did not respond or delete the information. 
On XX/XX/XXXX at XXXX XXXX Portfolio Recovery signed for my 2nd letter, informing them by not replying in a timely manner ( 30days ) to my initial letter dated XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
On XX/XX/XXXX at XXXX XXXX Portfolio Recovery signed for my 3rd letter informing them they also did not mark the account as being " disputed '' required within 30 days under federal law.

FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Shellpoint Partners, LLC
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Our names are XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you and family are well during these unpredicatable and extenuating times. 

We needed to file a claim in regards to refinancing. We have been trying to resolve an ongoing issue ( s ) with Shellpoint and felt that it was necessary to refer to you for advisement. We have been trying to resolve the issue of credit reporting on behalf ofthe third borrower, XXXX XXXX XXXX XXXX. ( my father ) ; as of now we are all making payments and no payment or credit line is being reported on his behalf. 


We've been relentlessly trying to get Shellpoint to solve this issue since midXXXX. We've sent the right emails with the right documentation, but, only to be presented and met with conflicting information along with false reassurance ( s ). We have been told in writing that this was going to resolved months ago in XXXX. 


Here we are in middle of XXXX and it has to have been taken care of, as my father 's credit report still has not been updated. We are completedfrustrated at this point, as we can not move forward with the VArefinancing process until this credit matter has been taken care of. 

Please assist us and look into this problematic company that has a very troubling user record with the 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 2023-03-23
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Balance : {$13000.00} ; XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX  ; XXXX XX/XX/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 2022-11-15
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 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 2022-03-11
Company: TRANSWORLD SYSTEMS INC
State: DE
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:
Transworld System violated my consumer rights pursuant 15 U.S.C1692f unfair practices, 15 U.S.C 1692c ceasing communication,15 U.S.C 1692g validation of debt,15 U.S.C 1692e false or misleading representation or implication that any individual is an attorney or that any communication is from an attorney.

Another violation includes 15 U.S.C 6802 - obligations with respect to disclosures of personal information. Lastly 15 U.S.C 1681 ( a ) ( 3 ) Restriction on sharing medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked them over and over again to stop harassing me ... .I don't owe anything!!! This is not my account or debt. And this making my life a living XXXX. It's very stressful for me and my family. The amount is {$1300.00} that's reflected on my credit report. I've received at least 8 calls per day. I'm at a point where I will be changing my number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 an 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 2022-12-21
Company: EQUIFAX, 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:
The accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.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 man 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. 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have listed the accounts that are negatively affecting my life below : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And the cares act and FCRA state that creditors may not report adverse information that occurred during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XX/XX/2022, Citizens Bank purchased XXXX bank accounts. On receiving this news, I removed all my balances from XXXX and opened a new account at XXXX XXXX. 

Unknown to me, all my accounts were transferred to Citizens Bank. Also unknown to me, there was overdraft protection and line of credit account opened for me at Citizens bank WITHOUT my consent or knowledge. 

A few months later in XXXX, I get a text from citizens collections department that I owe them money. I call XXXX bank and they tell me that i have an account that is in overdraft ( to my shock, since I don't even have a citizens debit card ). 

I learned that my XXXX account link to my XXXX was automatically changed to Citizens Bank ( again without my knowledge or consent ). Every time I was using XXXX- this was going from a line of credit, without my knowledge. 

Upon learning this, I transferred a total of {$610.00} to Citizens which I thought covered my balances based on their online banking user interface. Then I asked to close the account, but I was told the funds hadn't arrived yet. I have since transferred another {$950.00}, trying to balance this account. 

A few weeks later, I get another call from citizens credit department ; again for me this is a surprise because I thought I cleared my balance. I told the citizens representative that when I log in, the balance says XXXX, but I was told that I have to download the statements, scroll to the back, and that's where I will see the balance. And to pay it off, I have to transfer money then call them! How difficult it is to just pay them! 

Ultimately, this month I went to get a credit report, and this brought my credit report from XXXX to below 600, requiring me to have XXXX insurance, costing thousands of dollars. 

In addition I was charged {$570.00} in fees! {$37.00} each time- when I absolutely did not want this account or was aware that this was happening. 

All along citizens doesn't have a branch in XXXX XXXX where I live and I just felt so helpless being passed around from call center person to call center person. One person even said she can't verify my identity and full stop offered no options short of purchasing a flight to XXXX XXXX and walking into a branch. 

This has been emotionally and financially draining, and most importantly severely impacted my otherwise very good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-12-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
About a year ago, I opened up an account for my small business And I noticed that transactions were being made in the account without my permission, and I try to open a personal account report it and they just closed my account without my knowledge and refused to let me report the wrong doings and refused my request for account statements I immediately went to the local branch in XXXX  XXXX California and was not only treated horrible but then I was lied to. ABout the status of my account but was. Also refused service or explanation btw Im talking about chase and J.P. morgan a similar thing happen to me with my XXXX XXXX account as well but Ill wait to explain more when contacted I feel I have been bullied out of my accounts by these establishment and corrupt employees please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: NV
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:
THE DISPUTED ACCOUNTS ARE BANKRUPTCIES SHOWING DISMISSED CHARGES THAT WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. I HAVE NO AFFLIATION TO THIS ACCOUNT. I HAVE BEEN IN DISTRESSED FIGHTING THIS AND I AM REQUESTING AN INVESTIGATION TO HAVE THIS ACCOUNT OFF MY CREDIT FILE PERMANENTLY.

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 2023-04-07
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Mr cooper in XXXX to cancel my escrow. The employee I spoke to said they had " processed my request and escrow would be cancelled in about 2 weeks. '' In the meantime i payed the principal amount for XXXX expecting escrow to be removed. XXXX comes around and the application says i still owe for XXXX and owe the full amount with escrow included for XXXX so I called again to cancel escrow. The person I spoke to this time told me nothing was ever processed for me, nor was the process even started by the employee i spoke to. I was then made to pay the remainder of XXXX and the entirety of XXXX just to process the application to cancel escrow which should have been processed in XXXX. I made these payments and we processed the escrow request. I was told that I did not need to pay XXXX until escrow had been canceled and that we could back-date the payment so I waited to hear escrow was cancelled. I heard it had been cancelled and that my check would be sent to me around XX/XX/XXXX by an employee initialled XXXX who was a supervisor. This was at a time that my account was cucrrent and no overdue payments at the time. No escrow check was ever sent to me. Instead the institution took it upon themselves to use my money that was no longer escrow without so much as speaking to me let alone getting my consent. The justification the company used was that my account was delinquent which is fundamentally not true. and the only reason it got to that point was because I was waiting for the check they told me would be sent to me that they withheld because i had not made the monethly payment BEFORE it was past due. I never authorized this company to use my money in any way, and again this is money from an old escrow account that had been closed in which this company had no permission to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
All three credit bureaus : Experian, XXXX and XXXX can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records incidate my revolving credit has been established 14yr, 10 months. This was NOT reflected on my credit bureaus until I disputed a negative rating from XXXX, which was removed. Nearly immediately this Negative factor arose and no one will or can explain.

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 2020-06-15
Company: EQUIFAX, INC.
State: NJ
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:
In XXXX of 2020, I received an alert that I had a new hard inquiry on my Equifax credit report. I contacted Equifax to dispute this fact and then contacted XXXX XXXX XXXX, the company that had requested the hard inquiry, to see if any account had been opened using my information. I did not authorize any credit check for an account with XXXX XXXX XXXX in XXXX of 2020. I have no business with XXXX XXXX XXXX. I was able to find out that someone had used my information to try and open an account in XXXX XXXX, New Jersey. I requested that XXXX XXXX XXXX inform Equifax about this error so that it could be resolved as soon as possible. Today is XX/XX/2020 and the error still shows up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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 account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation