BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: TN
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 Account 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: ONLINE Information Services, Inc.
State: FL
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:
Balance showing on my report in the amount of {$59.00} There has been no response to any of my letters to Online Collections that is being reported on XX/XX/XXXXand also XX/XX/XXXX about this account. Letter was sent XX/XX/XXXX, and followed up on XX/XX/XXXX which has been well over the 30 days to respond to my dispute. This is unacceptable and I feel my rights have been violated. Comment notes show it was disputed but no information has been provided to me and still has inconsistencies. 

Date opened on XX/XX/XXXX shows XX/XX/XXXX but XX/XX/XXXX and XX/XX/XXXXshow XX/XX/XXXX. I do not recognize this account and have not gotten anything to validate this account is even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

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 2020-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Hi, This company Portfolio Recovery continues to report to all XXXX credit bureaus that they state that I owe. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts aa being accurate and that I know is not correct. I have asked Portfolio Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with Portfolio Recovery 1. ) {$1800.00}, shows opened on XX/XX/XXXX, XXXX. ) XXXX opened on XX/XX/XXXX, and 3. ) {$2100.00} opened on XX/XX/XXXX. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XX/XX/XXXX data breach whichmay have gotten into the hands of unauthorized individuals.

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 2019-04-05
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a credit freeze on my account on XXXX XXXX on XX/XX/XXXX I logged into my account online to temporarily lift the freeze for a few days to conduct business. I successfully logged into my account and filled out the request form completely, including the pin number issued at the time the freeze was initiated. The system replied that the information on the form was incorrect. I tried requesting a new temporary pin be issued. The system again said my information was incorrect. I tried calling the listed number for customer service only to receive Robo replies with option to address my issue and then the phone disconnect from my call. I had to research to find a phone number for an actual person. After finally making contact with a actual person, they confirmed I was entering all of my information correctly but their online system refused to identify me. We also discovered the pin number on their end did not match the pin number they issued to me for the freeze. I needed my credit account be accessed the next day, so my need was urgent. They were no able to determine why the online access was not granted to me. But they offered me solutions regarding mailing me another pin number but did not explain why the system would not recognize me. In order to expedite the mailing of the pin number to me they charge me a {$20.00} fee due to their errors. I requested they waive the fee because they system problem was on their end. They refused From my perspective and reasonable logic the fee should have been waive and the failure to do so amounts to extortion. 

I do understand the extreme measures they need to take in ensure privacy of all the data they collect on a individual and appreciate them doing so. However, when the problem is on their end, they should be charging the consumer to fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Over the past year, I have been arguing with Select Portfolio Servicing, Inc. ( SPS ) about an unauthorized transfer from my account and the missing remaining balance in my account. 
Despite the difficulty of the pandemic, I allowed SPS the time and provided all the information they need to investigate the issue. An affidavit of Unauthorized Endorsement or Altered Item was submitted on XXXX XXXX, XXXX and a police report was submitted on XXXX XXXX, XXXX. 

Recently on XX/XX/XXXX, SPS had called me saying that they have finished processing the unauthorized transaction, and recovered my balance. So there is a credit in my account of {$4500.00}, which matches with my overpaid amount to the account. I'm expecting my credit in the closed account to be sent back to me ASAP. 
However, on XXXX XXXX, XXXX, they refused to wire the remaining balance to my bank account, and tole me they will still use the method of mailing a check back to my address. I urged them to use signature required mail service or tracked mail service, and the representative from SPS Ombudsman department, named XXXX, promised that they will send out the check and give me the tracking information within 2 business days. 

On XXXX XXXX, XXXX, I called SPS Ombudsman department again, the representative named XXXX offered no updates or help, and refused to confirm my account information, quote " I can not confirm anything, sir, we are researching here and waiting for response. '' As a financial servicing company, the representative can not confirm whether my money is in my account, nor can they confirm whether a transaction of a check has been issued or not. This is NOT ACCEPTABLE. 

I worry that they will illegally hold on to my balance in the mortgage account for indefinite amount of time because now I can not access my account with my credentials, as they mentioned the account has been paid in full and closed a year ago. And the response from the customer representative is not professional at all about the next steps on how to transfer my mortgage account credit back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bridgecrest ( formerly, XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) in relation to the inaccurate reporting of my car loan payments. 

I entered into a written agreement with Bridgecrest for a payment deferment on my car loan. However, despite this agreement, Bridgecrest has reported my loan payments as late to credit reporting agencies, causing damage to my credit score and hindering my ability to utilize the banking system fairly. 

In accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), Bridgecrest is required to report my loan payment history with accuracy and fairness, and to take appropriate steps to resolve any disputes regarding the completeness or accuracy of the information provided. 

Additionally, the FCBA, 15 U.S.C. 1666 ( a ), requires that credit card issuers and other creditors accurately report account information to credit reporting agencies. Furthermore, Bridgecrest is in violation of the FCRA, 15 U.S.C. 1681s-2 ( b ) ( 1 ) & ( 2 ) and FCBA, 15 U.S.C. 1666i, which indicate that upon a written and signed deferment agreement between the lender and borrower, the payment history is supposed to be current without any late payments. 
I respectfully request that the Consumer Financial Protection Bureau take immediate action to correct the inaccuracies on my credit report, and that Bridgecrest be held accountable for their failure to report my loan payments in accordance with the law. Specifically, I request that my credit report be updated to reflect the " current status- never late '' and that any late payment history be deleted from my credit report based on the deferment agreement. 

I look forward to your prompt attention to this matter and I am available to provide any additional information or documentation that may be required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have 3 accounts that I have been disputing with the bureaus continuously since XX/XX/XXXX! For this timeframe, they have not removed the account or done anything to help me. Then, during my last 2 sets of letters that I submitted to the bureaus ; they did not even acknowledge those disputes at all! I sent a set of letters on XX/XX/XXXX and again on XX/XX/XXXX, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them and it's already XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing and challenging Respectfully Experian, XXXX and XXXX on the issues of debt collections and Charges Offs of XXXX XXXX of unknown debts of {$6000.00}, XXXX XXXX unknown debt Collection Charge Off of {$6200.00} and XXXX XXXX  Charge Off of {$10000.00}. 
I don't have Auto Loans or loans with none of this companies and I don't owed them this debts. 

Also there is Bankruptcy on my XXXX that needs to be deleted, this derogatory item is not on my Experian or XXXX credit Reports. Why is this Negative items are on my credit report.. 

I am XXXX Lifetime, XXXX. XXXX, XXXX and XXXX are trying to collect from my XXXX XXXX pension. income and Violating my XXXX XXXX Civil Rights Act under Department of Justice. 

Companies and Experian, XXXX and XXXX has been sharing my information with other financial institutions and companies without my Consent.

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 2023-12-30
Company: NEW YORK COMMUNITY BANCORP 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:
According to the law in 15 U.S.C 1681, consumer reporting agencies must adopt fair procedures for credit and info accuracy. But XXXX, you're not meeting my needs or being fair by reporting errors. 

Under 15 U.S.C 1681a ( d ), a consumer report covers any info from a reporting agency about a person 's credit worthiness. You can't claim to verify accounts unless you can prove it, as per 15 U.S.C 1681a ( e ), which defines an " investigative consumer report. '' There shouldn't be specific factual info about my credit record directly from a creditor, as the term " creditor '' means someone who regularly gives credit. This is a violation of 15 U.S.C 1692b ( 2 ) and 15 U.S.C 1692a ( 2 ).

As per 15 U.S.C 1692c ( b ), communication shouldn't happen unless it involves the consumer, attorney, or a CRA if permitted by law. Only specific actions are allowed for refusal to pay a debt.

Debt collectors aren't allowed to use any conduct that harasses, oppresses, or abuses a person in collecting a debt, as stated in 15 U.S.C 1692d. Threats or harming someone's reputation or property are also not allowed, as per 15 U.S.C 1692d ( 1 ).

False representation about the debt or communicating false credit info is against the law, according to 15 U.S.C 1692e ( 2 ). Also, foreclosures, repossessions, wage garnishments, or arrests for debts are illegal under 15 U.S.C 1692e ( 4 ).

If a dispute is made in writing, debt reporting must stop until the dispute is resolved, per 15 U.S.C 1692g ( b ).

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a auto loan with this lender and in XX/XX/2023 it was reported to all 3 credit reporting agencies I was more than 30 days late but that was not true. My payment was due XX/XX/2023 and the payment was made on XX/XX/2023 which is 29 days past the due date but not over 30. I filed a dispute with each credit reporting agency and they were all corrected however the credit union continues to report the XX/XX/2023 payment as more than 30 days past due which is clearly incorrect. I have had to contact them and Transunion several times over the past few months and the credit union keeps claiming they did not report this information to any of the credit reporting agencies. However when I contact Transunion they tell me the credit union keeps sending them this false information. The most recent contact with the credit union and Transunion was XX/XX/2023. 

I need for the credit union to fix this error on my account and advise them that they can not report a payment as more than 30 days past due unless that has actually happened because it also appears that once the month changes ( XXXX to XXXX for example ) their system automatically reports the payment as over 30 days late without actually counting the number of days it's late which results in constant incorrect reports to the credit agencies. This practice harms consumers and is grossly inaccurate which damages consumer 's credit unnecessarily.

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 2023-11-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
According to my XXXX  account, JPMCB CARD SERVIES made a Bank / Credit Card Inquiry on XXXX XXXXXXXX XXXX. 

I also got an email from Chase Bank the same day saying that I had applied for a new credit card. 

Obviously this wasn't me and someone is doing it under my name. 

I have called both Chase and XXXX but their fraud departments are currently closed. I'll be following up with them tomorrow, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
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:
Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. This is affecting me from getting my house for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report below

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
AMOUNT {$430.00} I SENT IN MULTIPLE LETTERS REGARDING THIS MATTER FROM 2015 ALONG WITH THE POLICE REPORT TO SHOW THAT THIS WAS IDENTITY THEFT, THEY SENT ME A LETTER WHICH STATED THAT I STILL HAD TO PAY. THIS IS STILL SHOWING UP AND DAMAGING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Credit reporting 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:
Santander shared my personal information in error, stemming from their failure to adhere to the contractual obligation of specifying the entities with whom they will share this information. Furthermore, despite being informed through multiple channels about the inaccuracies related to the address on my account, Santander recently updated the account with non-affiliate entities that possess my information. This action directly contravenes my consumer rights, which were already being violated by the sharing of my information. 
I have enclosed a formal letter along with the original credit application in this complaint, and it is of utmost importance that these documents are carefully reviewed.

Company response to consumer: Closed with explanation