BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I submitted a complaint company replied saying they had never received a disputes however i have paperwork from XXXX XXXX and XXXX showing disputes with no success. Also the company listed five accounts on response but are reporting nine on my credit report. The written dispute i sent to themI received no response on either. Company is a Fraud and needs to remove all negative information its reporting of my credit report Immediately. I have No Contact not Signed Agreement. I also have printed complaints from other online who are victims of this company. There are laws to protect against such businesses and i will seek LegalAction against all parties who fail to hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have a transunion.com account. I am billed monthly for my credit report. I have tried to cancel this subscription. When I go to log in the website asks for my social security and then the website takes me to a page that is not working. 
I have called and they keep pushing me to a text platform. 
I am on hold. I want to login and cancel my subscription. 

They are not letting me login

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 faced with a big unfair situation in my life. Mainly recently a lot of fraud inquiries appeared in my credit report! Please help me because they are not mine and I have never ever authorized any of them. I am very sad that this situation happened with me. I have never signed any contracts documents and other papers with these companies and I have never approved these inquiries. I have tons of them now and its killing my report and killing my financial stability. I do not know them and their origins, I swear! The most terrible thing that I can not move on in my life. Please delete them after your investigation. 

I AM VICTIM OF 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 2023-06-07
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX XXXX scooter through a dealer back in XXXX on credit through XXXX. Paid it off shortly after. Recently realized I never got a title and was informed by the XXXX in XXXX California that it has a paperless title with a XXXX listed still from XXXX. I have called at least 6 times and usually given their XXXX email address. I have sent around 6 emails over the last several weeks and received no response. With it being a paperless title I can only get it removed by XXXX electronically and have no other recourse. I can not sell it until this is resolved. I just want acceptable customer service. Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2023 I tried to make a payment on the Carrington Mortgage Services , LLC App. I could not because the blocked my credit account for no reason. I called Carrington Mortgage Services, LLCs customer service to unblock my account they said they did and proceeded to place my monthly payment over the phone, that payment was processed successfully through the phone operator. Im trying to pay my monthly mortgage payment with Carrington Mortgage Services , LLC in XXXX and I can not because they are still blocking my Credit Account. They are blocking me on the App and on their Website. I can not make my mortgage payment on time while they are continuously blocking my credit account to make the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX L XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-11-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an Amex gift card as a gift from work. I tried to use the card in XXXX, XXXX, on XXXX, in supermarket. It doesn't work anywhere. I called up the number to get help. They pretended it was the first time they had heard anything like this. The call center in XXXX said they could not help as they only sell the cards they don't help to use them. I was told to call a different number, but there is no different number. They couldn't give me a different number, and there is nothing on the site. I tired 3 times but made no progress. I think the card is a scam, and that is how they make money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.

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 2021-07-28
Company: National Credit Adjusters, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Follow up complaint to XXXX filed XX/XX/XXXX : Original complaint text : " I've recieved two letters from collection agency National Credit Adjusters ( 1st dated XX/XX/XXXX, 2nd one dated XX/XX/XXXX ). Both letters were a general debt collection settlement offer. Letters did not include correct information as required from FCRA. I responded to both of the letters ( sent via USPS certified mail ) with a debt verification request. I never heard a response back but company has continued attempting to collect reported debt in violation of FCRA. I've attached letters and proof of delivery. '' Response from company did not include debt verification items as requested : Documentation showing you have verified that I am responsible for this debt. 
Documentation showing you have purchased this reported debt. 
Documentation showing you are licensed to collect debts in California. 

Additionally the letter from the response by XXXX XXXX XXXX, XXXX. did not include the correct spelling of my name. In fact was spelled differently each time listed. This is creating additional questions into the legitimacy of this company/debt. 

Furthermore this letter still did not inform me I could or how to properly dispute the reported debt and is yet another violation of FCRA. 

I'm also requesting contact information for the agent for service of process. To include physical office location and normal working hours. 

I'm once again requesting this account be closed and removed from my credit report asap. The continued violations of my rights under FCRA is causing great harm to my well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: CA
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:
Equifax credit bureau has been reporting the wrong information on my credit report since XXXX I informed them that XXXX XXXX XXXX  is reporting an account on there that is not mine that was closed and never reopened have proof when I log into my online account on XXXX XXXX is the right account but on my credit report they're reporting the wrong account I've been telling them for 4 years that it's not the right account and they refuse to believe me they automatically believe XXXX XXXX without any proof it seems like they always take the big guy side XXXX XXXX is a XXXX XXXXr company they're reporting the wrong information on my credit report and I complain to all credit bureaus and they just refuse to believe me and they're not asking for any proof from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NH
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
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: Their investigation did not fix an error on your report

Complaint:
I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX and XXXX XXXX. Please correct and update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 letter is about the following accounts : XXXX : ACCT : # XXXX, which you claim, I owe {$11000.00} or my account was charged off {$11000.00} ]. 

This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2021-07-28
Company: National Credit Adjusters, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This company has placed this large debt {$2500.00} on all three of my credit reports, I have disputed this account serval times threw the credit bureaus but no luck, I don't know how this is sticking and I'm clearly saying it's fradulent amounts and charges.so finally the company reached out to me because of a complaint I submitted threw the XXXX. because they never responded and never formally provide me information about this loan I supposedly borrowed. They sent a copy of the original loan contract, I didn't recognize this checking account number, clearly I have been a victim of identity theift. this company even ran my credit with out my permission. The origanal date of loan was XXXX for {$1200.00} but on my credit report states the loan open date is, XX/XX/2020, and the owed original amount is {$2500.00}, now that's double what the original loan was. I'm asking for help because I don't have any knowledge about this account, I found out about account after it was on my credit report. I feel like I was robbed out of the legal way to dispute this transaction, because this company never notify me of this loan properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-08-12
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage each month through my banks bill pay service. My payments are made on time, consistently, every month by the first or second although I have a grace period that allows me to pay my bill by the XXXX without a late penalty. Despite this, I have been charged a late fee for the second time in less than six months. Since the previous time when this happened, I arranged to have my bill paid two to three days early. So, for instance, for the payment due XX/XX/2023, I set up bill pay to make the payment on XX/XX/2023. Three days early! So, when I received a bill for XX/XX/2023 showing my mortgage payment for XX/XX/XXXX had not been applied as of the statement date, XX/XX/2023 ( twenty-one days or three weeks after my mortgage payment had been posted by my bank ) I was not pleased. Again, this is the second time in less than six months. I have made my XX/XX/2023 payment via bill pay, which was set up to make the payment on XX/XX/2023 ( two days early ). 
I use my banks bill pay service for all my bills because it is convenient and dependable. I would like an explanation as to why my payments are not being applied in a timely fashion. I would also like the late charges to be reversed and assurances that I wont have to keep wondering each time I receive a bill whether I am going to be inaccurately charged a late fee, which negatively affects my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: CT
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 have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: NY
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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