BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: Perfection Collection
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I closed my XXXX Acct and it was paid in full. I've explained this to 2 other collection companies, as well as a lawfirm after receiving information from them by mail about an alleged collection of {$340.00} they too were trying to collect from me. I sent these prior collection businesses the information regarding my XXXX Acct being closed and paid in full. Nothing more was heard of from these debt collections about this alleged outstanding debt until XX/XX/XXXX, when I received an email from XXXX advising that there was a new Perfection Collection account added to my XXXX credit report. I knew nothing about this company nor their alleged {$940.00} collection which they claim I owed them since XX/XX/XXXX. I filed a complaint with XXXX on XX/XX/XXXX stating that I knew nothing about this collection agency or their collection account against me since I had NEVER been contacted by Perfection Collection so I really had no knowledge of them or their alleged {$940.00} debt claim against me. Because I was able to get Perfection Collections information off of my XXXX credit report I XXXX the company 's name and located a match which directed me to their webpage. On their webpage, under contact us, I was able to send them a message on XX/XX/XXXX. In my message to Perfection Collections I informed them that my XXXX account was closed and paid in full on XX/XX/XXXX. I put them on notice to take their illegally reported collection off of my credit report immediately or I would take other action against them. I told them that I thought it was illegal for them to file a negative report to the credit bureaus without any attempt to notify or contact me. To make this easier for them to see that I had already handled this debt and previous attempts to collect on it, I sent them a copy of the email correspondence to and from XXXX and to and from the lawyer that also tried to collect on this debt in XX/XX/XXXX. As of XX/XX/XXXX, I have not received any type of correspondence from Perfection Collection nor have they attempted to contact me. On XX/XX/XXXX I filed another dispute with XXXX regarding Perfection Collection 's illegally reporting a negative report against my credit claiming I owe them {$940.00} as of XX/XX/XXXX stemming from an alleged outstanding debt they claim I owe XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Investigation took more than 30 days

Complaint:
XXXX XXXX- ACCOUNT # XXXX I am writing to bring to your attention the lack of response from your company regarding my request for investigation pursuant to the Fair Credit Reporting Act ( FCRA ) 623. On XX/XX/2023, I submitted a formal request for investigation concerning an account on my consumer report. However, to date, I have not received any communication or response from your organization, ( previous letter enclosed ). According to the United States Code, specifically 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), upon receipt of a request for investigation, a company has a legal obligation to respond within 30 days.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE AND UNKNOWN INQUIRIES ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 AND 604 IM   DEMANDING THE REMOVAL OF THEM

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 2022-04-21
Company: Self Financial Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
Upon checking my creidt report on XX/XX/XXXX I realized an adverse action, with forethought and malice, was furnished to my report, regarding my account ( XXXX ) with Self XXXX. The report shows late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and for XX/XX/XXXX. This decision has negatively affected my federally protected right to extend credit and violates my right to an equitable consumer report. I am also aware that I was supposed to receive a negative information notice in writing no later than 30 days after furnishing these alleged late payments to my consumer report. I have never received such notice. Pursuant 15 U.S. Code 1666b I would like for an executive member of your company to put on a sworn statement of facts that your company sent me, and I did in fact receive such notice with verification of such ( i.e. notice sent, tracking number, dated certified mail with my wet signature ). Without this, there is no proof that reasonable procedures have been followed prior to furnishing this alleged late payment to my consumer report. Please be advised that in regard to these alleged late payments, I am aware that pursuant 15 U.S. Code 1681a ( d ) ( 2 ) a consumer report shall not include information solely as to transactions or experiences between the consumer and the person making the report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I applied for a home loan with Rocket Mortgage and I was denied because of something called a " Mortgage Credit Score. '' I have never heard of such a thing and I was a Realtor for many years. And I have purchased 4 homes myself, so I'm pretty versed in the loan process. 

I would have never filled out the credit application if they had explained that my credit score ( which was good enough for an FHA Loan according to FHA.GOV ) was meaningless. 

I have painstakingly worked to improve my credit over the last 2.5 years after leaving my ex who ran my credit into the ground. I haven't attempted to run my credit at all until yesterday. I'm still working hard on my credit and I even pay to have it monitored and reported via XXXX XXXX. 

Rocket Mortgage 's application is clearly misleading the applicant. They ask for the applicant to choose a credit score range that best represents their credit score, but they never mention a " Mortgage Credit Score '' which will matter most, not their actual credit score. 

Before filling out the application, I called Rocket Mortgage to make sure they would finance tiny houses with FHA loans. The representative said yes and to apply on their site. So I did. 

I had done my homework by checking with FHA for their minimum credit score and they listed a minimum of 580, never mentioning this " Mortgage Credit Score ''. According to XXXX XXXX, I am in the 600 's. So I was immediately denied. I would not have an issue with them denying me if they had CLEARLY stated in the application that everything is not based on your regular credit score, but a " Mortgage Credit Score ''. This is VERY misleading and they don't even offer you a way to leave a review for them online so I can't alert others to be aware of this. 

This hit to my credit report will now bring my score down. Which may not be anything to them, but it's everything to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was unable to get a rep on the phone to resolve any of my issues. I was made aware by Equifax that my personal information was leaked to the dark web and I have hard inquiries on my credit report and collections that are not mines. I have filed a police report but the credit bureaus are refusing to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2017 I made a payment of {$5700.00} on my HSBC Mastercard. This should have reduced the balance to less than {$3000.00}. Sometime in the Spring 2017 I was contacted by HSBC to inform that there was suspicious activity on my account. They promised to send me the details and dispute forms. Those never  arrived. I kept making payments on the account and in XXXX I made a payment of more than {$500.00}. HSBC is now reporting that I am delinquent and owe them nearly {$9000.00} on this account. Further, my request to have the payments held at {$100.00} per month until this is resolved was declined because " I was not in collections. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of US AUTO SALES whom is claiming I still owe XXXX on a car I purchased 3 yrs ago and has been paying on time the car was only originally XXXX. Plus its a XXXX XXXX XXXX and the motor went out its still covered under recall but no will do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Upgrade, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Upgrade ( alternative credit platform ) offered me a {$400.00} bonus on my Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions. 
Earn a {$400.00} bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days. To qualify for the {$400.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive bonus.

I met all the requirements for the bonus. I opened the Rewards Checking account and completed the third debit transaction on my Rewards Checking account, on XX/XX/2022.

In according to terms and conditions, the bonus credit needed to be posted to my Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on my Rewards Checking account. The second billing period of my reward checking account ended on XX/XX/22. The second billing period of my Upgrade Card ended on XX/XX/22. Yet, I didnt receive the {$400.00} bonus credit.

I contacted the company but couldnt resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
On my last correspondence with XXXX XXXX for account XXXX, I clearly requested for the said account to be validated properly. I do not have any knowledge of this account and I am practicing my rights to request for a debt validation. More than 30 days had already passed and still I haven't heard from them and did not receive any proper validation for this account. I believe that this is a clear validation of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX, XXXX 15 US code 1681c-2 a consumer reporting agenvy 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, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in violation! Under 15 US code 1681b- permissible purposes of consumer reports a. in general subject to subsection c. any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: AL
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.

The letters are stated with items and issues.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was unable to get a rep on the phone to resolve any of my issues. I was made aware by XXXX that my personal information was leaked to the XXXX XXXX and I have hard inquiries on my credit report and collections that are not mines. I have filed a police report but the credit bureaus are refusing to remove them.

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 2023-08-13
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
after i filled a cfpd complaint # XXXX Your statement said that the account was closed and removed from my credit report yet it is still appearing on my credit report. please remove all negative remarks from my credit your statemtn said it was removed from my report in year 2021 thats two years ago and yet it still appears on 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 2019-03-05
Company: Consumer Portfolio Services, 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:
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA. After sending them my letter I received a return to sender as this company is not in business? 

This should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
For the past 3 months I have been actively disputing accounts that are not mine and were illegally obtained. I do not have a written contract with any of the 3 accounts that were being disputed. I further more did not give consent for the bureaus to report any information against my knowledge. I called them and they told me they refused to take anything off of my report even when they acknowledged it was done fraudulently. They also stated that they don't even do the investigations themselves. They just send a letter to the company to ask if the information is true and that's it.. They refuse to delete anything I have asked them too. Including not sending me how they verified or did any investigation.

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 2022-06-20
Company: Paypal Holdings, Inc
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020, I the consumer utilized Paypal Credit in which I had a surplus credit amount {$1600.00} to pay my car note of {$390.00} ( Exhibit A, Exhibit B ). On XX/XX/2020 Paypal attempted to collect my car payment from my debit card in the amount of {$390.00} without authorization which is in direct violation of 15 US Code 1602 ( p ) ( Exhibit C ). Furthermore, they threatened to report this false claim to the credit bureau which is in violation of both 18 USC 876 and 15 USC 692 ( e ) ( 10 ) causing me mental anguish, XXXX, and stress ( Exhibit D ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I understand that a compliant was just filed on this exact company. considering new information this matter needs to be settled immediately. By law EQUIFAX are required to investigate anything that is furnished on my consumer reports. On XX/XX/XXXX EQUIFAX has concluded that this XXXX XXXX XXXX XXXX IS Verified AND ACCURATE. EQUIFAX has failed to share what method was used to investigate this fraudulent auto loan, and how the company concluded that this XXXX XXXX XXXX XXXX is accurate account? I'm aware that EQUIFAX abusing the FCRA law has caused damage to my character and credit file by the company allowing fraudulent accounts to remain on credit. XXXX XXXX XXXX, chair of the House Select Subcommittee on the Coronavirus Crisis, asked the CFPB to investigate XXXX, Equifax, and XXXX for allegedly failing to address consumer disputes during the pandemic. CFPB reported then that 4.1 % of complaints were resolved in XXXX, compared with nearly 25 % of complaints in XXXX, before the pandemic. The subcommittee found that Equifax changed between 43 % and 47 % of the disputed items each year from XXXX through XXXX. As a consumer how can I trust EQUIFAX to conduct a thrall investigation and delete negative items. 

COMPLIANT # XXXX EQUIFAX : RESPONSE Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX  EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, ACTUAL PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ACCOUNT HISTORY Trade

Company response to consumer: Closed with explanation