BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX states that I owe them {$130.00} from a closed credit card account that I never opened and has reported for the past year that I have not made a payment on the account. 
XXXXXXXX XXXX stated that on XX/XX/XXXX I opened a account for a secured card in the amount of {$300.00} at a address in which I never lived. They closed the account on XX/XX/XXXX after showing the account in good standing for a few months. This account was opened fraudulently by someone other than myself. Account number begins # XXXX I asked if XXXXXXXX XXXX could please send me a debt validation letter and they never have and Ive been asking them for the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: DriveTime
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My daughter 's father passed away on XX/XX/2022 unexpectedly. She is his only heir and he had no estate, so there is no probate required. She is young and very, very upset. Since that time, she has tried to work with DriveTime/XXXX  to handle dealing with the car that is financed through them. They have been unprofessional and put her through all kinds of hoops to even get someone to speak with her. Today, she was told that in order to return the car, the car has to be put on the street instead of being kept in a gated, safe condo complex, and the repo people are third party and they will not communicate when they are coming. This car is now uninsured and if it's stolen off the street, they will undoubtedly come after her to pay the balance. This is a scam and a fraudulent practice. If they really wanted to protect their assets, they wouldn't respond in this irresponsible manner. Putting the car on the street is just asking for it to be stolen. The time is running out for my daughter to return the car and then they indicated that they will come after her, even though she has done everything right. They are dishonest and will do anything to make money, even when people are at the lowest point of their lives. They need to work with people to avoid putting them in an even worse position. I'm sure they would love for the car to be stolen so they have the chance to come after my daughter instead of taking responsibility for their assets in the manner they are obligated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The property was financed with XXXX XXXX  with life insurance on the loan by myself and another person in approx XX/XX/XXXX. All payments were current, none were late or missed as they were drafted from my account. The property burned completely with XXXX XXXX XXXX in XX/XX/XXXX, but payments were still made until the investigation and insurance was complete. In XX/XX/XXXX drafts stopped being taken out of my account. I contacted XXXX XXXX  and was informed my mortgage had been sold to Carrington mortgage without Carringtons knowledge of the loss. I was never notified by either company about a sale. I inquired about this and they said a letter was sent to an address that has not been connected to me in more than three years. XXXX XXXX  has my current address as I received several items of mail from them, sent proof of XXXX and XXXX XXXX. I have tried for more than a year to get a copy of the original contract from Carrington as well as XXXX as my copy was burned in the fire. I had an attorney attempt to get the mortgage as well due to life insurance being on the loan, but to no avail. I am trying to close the estate of the person who was the co-mortgage holder that XXXX in the fire. I have tried for some time with Carrington to get a payoff, I was told over the phone the amount was XXXX XXXX XXXX XXXX and some odd cents, they assure me they will email it, but nothing. I want the email so I have written proof of how much I owe as I am afraid the amount will suddenly turn into the entire insurance amount with hidden fees and charges. The insurance company tried for one month to get proof of mortgage ownership from Carrington. I have a check from the insurance company for XXXX XXXX XXXX dollars and simply want this behind me. I have dealt with XXXX and now Carrington for more than a year being given the runaround. I feel as if I have no where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a bill from Barclay 's ( Aviator Mastercard ) around XXXX XXXX, XXXX. I had a late fee and interest charges totaling {$42.00}. I looked at my bank statement ( XXXX XXXX XXXX  ) because I had sent the payment of {$300.00} on XX/XX/XXXX but it did not get debited from my account until XX/XX/XXXX. I thought it was matter of overlap with the payment and billing cycle so I held onto my bill to research later. On XX/XX/XXXX, I received notification that a purchase, which was already set up to pay with my Aviator card, was denied. I called Barclay 's ( Aviator ) to investigate. I spoke with XXXX and was informed my account was in arrears and they had no record of my XX/XX/XXXX payment of {$300.00}. I called XXXX while I had Barclay 's on the phone and the agent verified that the payment was debited from my checking account on XX/XX/XXXX and they had a copy of the check stamped by XXXX XXXX, who I assume is the payment processor. Barclay 's told me they would start a " missing payment inquiry '' but it could take 25 days and I could not use my card in the meantime. However, I am still accruing late charges and interest. I told them I was NOT going to make my XX/XX/XXXX payment until they find my previous payment. I called Barclay 's again on XX/XX/XXXX to check the status. I asked for a supervisor, was put on hold for 20+ minutes and then disconnected. I am concerned about this process taking so long, my missing {$300.00}, and the fact that they have no qualms about my account being put in arrears, which negatively affects my credit! They would not simply suspend or put my account on hold. My concern is that my payment is being held so late charges and interest can accrue. This seems to be an ongoing issue, as for the last 3 months, my payment has taken 7-10 days to post to my account. I have accrued late fees despite sending to payment in a timely fashion. I am concerned since I have a positive credit history with all of my accounts. I feel Barclay's/XXXX XXXX are intentionally not processing payments until after the due date in order to charge late fees and interest. It is also of interest that I was told on XX/XX/XXXX that the missing payment inquiry was started on XXXX XXXX. I know I did not call Barclay 's on that day, as it was a Saturday and was my birthday. I did not inquire about my payment until XX/XX/XXXX so why was an inquiry started nearly 2 weeks earlier? Could it be to make it LOOK like they were searching for my " missing '' payment? Also incidentally, if an inquiry takes 25 days and was started on XX/XX/XXXX, the end date of the inquiry is XX/XX/XXXX, my next payment due date. Interesting.

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 2018-12-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been reaching out to myself several times every hour of the day even on weekends. I had resolves the problem last Wednesday XX/XX/XXXX but am still receiving back to back phone calls. I have also had several people I am not even in contact with say they've received a call regarding the situation and that they stated it was to collect a debt ( which I thought was against the law ). Also not quite sure how or why the people that were contacted were reached out to, as they have no relevance to me or the situation. I had also received messages stating that the situation would go to an attorney if it was not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Their investigation did not fix an error on your report

Complaint:
There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with mental distress due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: WELLS FARGO & COMPANY
State: MD
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:
I opened a dispute back in XX/XX/2021 regarding an airfare with XXXX XXXX. I obtained a temporary credit pending investigation. The airline company fought the dispute and won and so Wells Fargo billed me for the ticket and I had to go through XXXX XXXX refund process. To my surprise, XXXX XXXX is stating that my bank did a reverse charge back so I was already refunded yet Wells Fargo is saying that they did return the money into XXXX XXXX bank account so I should check with them. I have been going back and forth, asking Wells Fargo to help me dealing with the matter by showing proof that the money was indeed return to XXXX XXXX but to no avail. I have asked multiple times for the past 2 months and keep getting false promises that they will E-mail me the letter but they never do. XXXX XXXX is denying it and Wells Fargo is not convincing so who is not being truthful? I want my money back!

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 2021-02-02
Company: Choice Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Choice Recovery services filed a notification with the credit bureaus indicated I owed a debt to XXXX XXXX XXXX  This negatively impacted by credit status by nearly 100 points. 

1. The debt was false - I did not owe XXXX XXXX XXXX. 
2. Choice recovery services refused to remove the debt from my name and update the credit bureaus, nor did the check with XXXX to verify the debt. 
3. I contacted XXXX, who verified the debt was false and was not owed to them. 
4. I contacted the Credit Bureaus and Choice Recovery rejected my dispute indicating it was still correct. 
5. I contacted XXXX again, they contacted Choice Recovery to have to the collection removed. 
6. Choice responded by saying that the debt had been paid as of XX/XX/2021 - they did not indicate that they had made a false report to the credit bureau, and my credit rating is still negatively impacted. 
7. Spoke with Choice again today, and they said the only thing they can/will do is notify that bureaus that the debt has been satisfied.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 requested Mortgage Forbearance XXXX XXXX to provide time to adjust to changes with income. On XX/XX/XXXX, I requested the forbearance be removed. Somehow XXXX is stating I re-requested an active forbearance. This is inaccurate, XXXX XXXX advised I would need to make three payments to reinstate my loan prior to any modification. I began making payments in XX/XX/XXXX and through XX/XX/XXXX. In XXXX, I met the requirements for modification. XXXX dispatched a title company 30 days later on XXXX to sign paperwork. In XX/XX/XXXX I began calling XXXX XXXX, requesting an update after I noticed my XXXX payment was not applied to my mortgage and placed in a suspension account. I requested my credit report be updated. XXXX is reporting NR XXXX XXXX. I made payments in XX/XX/XXXX and XXXX. The reporting is making it appear I have not made any payments for 9 months ; furthermore l, have a hardship. My report also has a notation that I am making a partial payment agreement. I escalated to the XXXX XXXX Executive Team and have provided them 14 business days to correct the information. I would like the comments on my report updated to paying as agreed. I never paid partial payments. I deferred three payments to the end of my loan. In addition paid 8 additional payments since loan origination. Because I set up bi-weekly payments. I would also like the months I made payments to reflect those. 
It was my understanding the forbearance would not reflect poorly. If I new it would take 6 months to reinstate / modify my loan I would have repaid the suspended payments. This information was not discussed as we are all in uncharted times. I was working with my financial institution on a new loan and their underwriting flagged the non reporting mortgage payments.

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 2022-12-09
Company: EQUIFAX, INC.
State: VA
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:
Equifax is reporting different amount of accounts than XXXX and XXXX. 

They have failed to help with reporting XXXX XXXXXXXX XXXX as an open account. XXXX has fixed this with no problems. They are claiming no data was given the past 3 months and that it was recently reported closed which it is not. Company also has refused to remove multiple hard inquiries placed in an abusive manner on my report XXXX XXXXXXXX XXXX has not reported for the month of XXXX & account should have XXXX $ balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: WELLS FARGO & COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo is reporting a charged off account with a balance of {$110.00} on my credit report that was charged off and written off as a loss to the IRS and they are still trying to collect on this debt which is outright illegal.

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 2022-08-07
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:
A copy of my ID is attached. My last CFPB complaint was XX/XX/XXXX and you the credit bureau has taken more than 30 days and you hit me with another stall tactic. Rights has been violated left and right. Here is my complaint once again.

I have sent a total of 16 letters between XXXX, XXXX, Equifax, XXXX XXXX and XXXX XXXX XXXX collection agency with proof of unfair inaccurate reporting they are doing to my consumer credit report. Each time my dispute comes back verified, or Ig get no response at all, which I do not see how when there are so many missing data fields, dates and remarks not the same on my reports. My question is if the company keeps updating the account then shouldn't the account have the same information since by law they have to update all of the bureaus/ agencies with the update? So now it comes down to me calling them out for unfairly adding the accounts to my credit report in the first place. 15 US.C. 1681 SECTION 602 A, SAYS I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SAYS A CONSUMER REPORTING AGENCY CAN'T FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT. I XXXX XXXX have never gave EQUIFAX, XXXX, XXXX, XXXX XXXX, OR XXXX XXXX XXXX MY WRITTEN CONSTENT TO ADD THE ACCOUNTS TO MY CREDIT REPORT AND DEMAND THEY BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent a certified letter a month ago and I have yet to be notified of the results of my disputes.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion refused to remove " hard inquiries '' that I DID NOT authorize from my credit report. These inquiries with the following companies should be deleted immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: MO
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:
I have filed a dispute with Experian and regarding a creditor I do not owe, every time I dispute it, Experian come back with " The debt is accurate '', I have asked XXXX XXXX XXXX to validate the debt per the FDCPA and they refuse, so I have asked Experian since you feel that is it accurate, to please provide me with the information that XXXX XXXXXXXX XXXX provided to you, and Experian refuses to provide me with the information, I have disputed multiple times and now Experian seems to be working with them I called Experian yesterday to ask again since another disputed came back accurate, I ask to speak with a supervisor and the rep put me on hold for a while and came back and said that the supervisor was going to call me back, but no one called me back of course, XXXX XXXX XXXX is committing fraud, and Experian seems to be working with them? 
how can you not explain the debt per the FDCPA, Experian and XXXX XXXXXXXX XXXX are in violation

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 2018-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made many attempts to remove debt collection company PORTFOLIO Recovery from my XXXX, XXXX, and XXXX, this Debt collection company has been trying to collect a debt i do not owe in the amount of {$1800.00} for several months. 

I have messaged PORTFOLIO Recovery several times stating that this debt does not belong to me, i have requested copy of the original contract with my wet ink signature, i requested debt validation, i have requested voice recording or video surveillance of me signing up with the original creditor or agreeing to pay PORTFOLIO Recovery or the original creditor. I requested a photo copy of my id or a wet ink scanned signature. 

I have requested PORTFOLIO Recovery to provide a copy of certified letter and receipt that they claim that was sent to me. 

This company has not provided any of this after several request. 

This company keeps sending me in the mail a computer printed credit card statement with a name similar to mine with a balance that doesn't show the purchase history, this statement doesn't show what was purchased, where or when. This statement does not show itemized items of how this balance of {$1800.00} came to be. 

It appears to a be a fake credit card statement and a fraudulent debt generated by PORTFOLIO Recovery. 

I have never agreed to this debt, i never signed any contract or agreement to pay this debt with PORTFOLIO Recovery or any original creditor. 

What methods are being used by PORTFOLIO Recovery to validate this debt as accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: DISCOVER BANK
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this lady, firm i do not know, have no contract with, has sent me papers threatening to sue me. there is no documentation, as per law that they actually represent the lenders, that they say they do. this is criminal extortion, i do not know them, and all of a sudden i get these letters of extortion, from this rauch firm.

Company response to consumer: Closed with explanation