BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-10
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: Account status incorrect

Complaint:
Portfolio Recovery Associates have been improperly reporting the status of information to the credit report agencies. On two separate accounts they have been reporting to XXXX as both accounts as an open status that makes them appear upon my credit report as still open and displays as they are still owed even though I had paid them back in XX/XX/2016 and XX/XX/2016. As for XXXX they are reporting one of the accounts as still open and in a derogatory status marked as not being paid. That one would be for XXXX XXXX XXXX XXXX. A phone representative from the disputes department of Portfolio Recovery had said they would update the tradeline on the reports as a paid status and that they then should show as being paid and listed as closed on the credit reports. I have yet to see any changes to my credit reports and I have yet to see any corrections to the errors that Portfolio Recovery has made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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 see in this account that this report lacks information. How did you prove that this account belongs to me if the information you provided is not complete?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
After reviewing my credit report on all 3 of the main bureaus I noticed there was a negative collections account listed under the name Midwest Recovery. I have never received any communication from this company and they are reporting negative and false information on my credit. It has also come to my attention that Midwest Recovery does not have an active license in the state of Florida and therefore can not attempt to collect this debt i have no information on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Lendmark Financial Services
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in 2017 XXXX, one of the three credit reporting agencies leaked the data of XXXX XXXX Americans, including myself. Information leaked in this data breach included my name, social, date of birth, address, and driver 's license number. As a result of this, I have become a victim of identity theft, leaving my credit profile and overall credit score to suffer greatly. Your organization is currently reporting accounts that I have listed in my lawsuit with XXXX, I have attempted to resolve this issue with your company and I have yet to receive a response. Remove this account, If you refuse to remove this account from my credit file, my lawyer will be advised to move forward with a civil suit against your company. I will bring this information forth to a judge in my area, section ( 609 ) of the Fair Credit Reporting Act, states that all information listed on a consumers credit file, must be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: SYNCHRONY FINANCIAL
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:
SYNCB/AMAZON XX/XX/2020 I did not authorize a credit pull from Amazon. I do not recognize this credit pull. I do not have nor have I ever requested a credit line with Amazon.

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 2020-05-22
Company: Experian Information Solutions 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:
These are not my accounts or inquires.

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 2022-08-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Since XXXX of XXXX I've sent multiple letters and supporting documentation to Equifax showing that the XXXX bankruptcy records that they have listed as well as the accounts for XXXX XXXX Bank and Bank XXXXXXXX XXXX  all need to be removed from Equifax reports as this information is invalid. 

I've submitted documentation from the Federal Bankruptcy Court as well as XXXX XXXX showing that there is no record of these bankruptcy records. Yet Equifax continues to claim that they have validate/ verified these records. I've also provided documentation directly from XXXX XXXX Bank and the Bank XXXX XXXX that show that they do not have any accounts listed for me. And Equifax continues to report this information as well. 

I've provided this information to Equifax multiple times in XXXX, XXXX, XXXX, and XXXX of XXXX as well as in XXXX of XXXX. And I just called Equifax on XX/XX/XXXX and they claim to have not received any of this documentation. However, the representative claims to not see any of this documentation. I know that not to be true as I have confirmation via copies of my XXXX Mail and XXXX Receipts showing that all copies of all of this documentation was indeed received by Equifax. 

This means that Equifax is blatantly intentionally reporting this fraudulent information. Equifax has recently been held legally responsible for these fraudulent activities. I am also a member of the Data Breach Class Action Settlement Class which is also another case where Equifax is legally responsible for continuing to report information that they know is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, this in reference to the XXXX XXXX XXXX XXXX the account was opened on XX/XX/XXXX. Portfolio Recovery started reporting it on my credit on XX/XX/XXXX. I sent them a letter requesting them to validate it they sent me an old bill but didn't even have a signature attatched to it. I looked it up on my states website and they aren't authorized to collect in my state their license expired in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Someone Fraudulently purchased a {$500.00} gift card to XXXX XXXX and used my credit card. I disputed with Citibank and their billing disputes team initially issued a {$500.00} conditional credit then reversed the credit after talking with the Merchant. The Merchant provided Citicards with a bogus email address and suggested that the person committing the fraud had downloaded and used the gift card. 

Citi negligently failed to compare the email address that I have had on file for them for 10 years with the email address the gift card was sent to. Then Citi reversed the credit and charged me for the purchase on my XX/XX/XXXX statement. Citi now says the dispute is closed in the Merchants favor.

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 monetary relief
Consumer complaint received 2021-02-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
FICO CREDIT SCORE DROPPING W/O VALID REASON! 

In the month of XX/XX/XXXX, I was notified TWICE by Experian, that my FICO score had dropped - once by 9 points on XX/XX/XXXX from XXXX to XXXX and again by 3 points on XXXX XXXX to XXXX. I ran a credit report on XXXX XXXX which states at it's very end about my FICO Score 8 - " you have NO negative factors impacting your score ''. This report states 1 ) No missed payments 2 ) Long Credit History ( 23+ yrs ) 3 ) Recent card usage 4 ) Substantial installment loan repayment ( mortgage ) I have 2 Credit cards & I pay them in FULL monthly ( exceptional payment history ) & we pay extra on our declining balance on our joint mortgage ( never missed a payment ). 

I called Experian about this matter TWICE. I called on Sat. XX/XX/XXXX & was advised to call on a weekday. I called on Monday, XXXX at XXXX XXXX & was rebuffed from speaking with a Supervisor & also told that there was NO EXPLANATION to give for this. He agent stated " I am not a credit repair person '' - he gave me a laundry list of " why '' a FICO score could decline, but NONE of them apply. He had nothing else to offer except to try to SELL me " credit repair '' services that I do not need. I was NOT given ANY further opportunity to address this matter with Experian. 

I am concerned about my FICO score dropping further and further, as there is no evidence of any fraud & I AM using my credit responsibly & paying my bills in FULL monthly. I feel I may be targeted or something as I have no explanation for how someone with a decent income, who is receiving e-mails from Experian congratulation them on " low utilization '' and other such markers, could then have them drop their FICO score? I do not know if it is because of my age or gender, but it seems to be not tied to my actual credit usage, payments or income, or any other actual markers.

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 2020-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This is not a dispute statement against a credit card company. This is a personal statement that Equifax has completed. I do not see it listed on my report. I would like proof that this is completed. I do have my report that it is done but that is all. It is not reflected on myEquifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicer ( bank ) has not paid the second installment of my XXXX property taxes to my county. My taxes have been sold in a county Tax Sale. 

Those taxes are under a Property Identification Number ( PIN ), before the property was divided into two (? ) or more parcels. 

The XXXX property taxes are under a different, new PIN. 

The bank was given the old PIN in XXXX of XXXX by me via an email. 

The bank was given the new PIN in XXXX of XXXX by ne via an email. 

The XXXX email enclosed for the bank the county Tax Sale Redemption, Delinquent Inquiry form, as well as the amounts ( taxes, interest, penalties ) due ; as well as my attorneys name, address, telephone number and fee. The email also included my loan number. 

A check of the banks computerized records, no property taxes have ever been paid by the bank. 

No action or response from the bank has been received. 

The bank will not allow me to speak to anyone in the banks Tax Department ; I can only telephone bank customer service representatives. No one from the bank will get back to me regarding this matter. 

The bank needs to pay the property taxes, interest, and penalties to the county ; as well as pay my attorneys fees.

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 2018-02-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was looking my credit score throughout XXXX XXXX and noticed few hard inquiries that was made without my consent and i believe that someone is trying to use my identity for financial manners. These are the one I found on my report today XX/XX/XXXX by XXXX   XXXX XXXX XXXX ( XXXX ) Type : Automotive Date : XX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( XXXX ) Type : Bank Date : XX/XX/XXXX XXXX XXXX, IA XXXX XXXX ( XXXX ) Type : XXXX XXXX XXXXAutomotive Date : XX/XX/XXXX XXXX FL XXXX XXXX ( XXXX ) Type : Finance Date : XX/XX/XXXX XXXX TX, 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 2020-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My lender has tried to pull an Experian credit report/score. Despite a long credit history and living in my currently OWNED residence for nearly 20 years, Experian is not " finding '' me by my social security number. Furthermore there is no way to reach a live person at Experian or even email them with issues. Its like a black hole trying to get this situation resolved.

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 2021-02-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For over two years no one including myself has been able to pull my credit report from Experian. Two years ago I submitted all the documentation that they requested to prove my identity and my address. Still no one including myself call pull my credit report from Experian. This has prevented me from obtaining credit and most importantly from refinancing my home. I have called them almost daily for the past two weeks. I have been told that I will receive calls from an escalated ticket. No one has called. I finally received an email on Sunday XX/XX/2021 basically saying that the ticket was closed, pay for an account with Experian to get further assistance. So I called today and was told that I needed an account with Experian. Then I was told that I had to call back in 72 hours to receive an assistance. I have spent more than 15 hours on the telephone trying to get Experian to fix a problem that they have created. It has to be a problem with Experian because I can pull my credit report just fine from XXXX  and XXXX. I feel as though I am being held 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 2021-02-01
Company: EQUIFAX, INC.
State: SC
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 sent Equifax and XXXX  a copy of a filed identity theft report on XX/XX/2021 certified mail and they've never responded to the issues that were addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitted a letter to the 3 Credit Bureaus on XXXX/XXXX/23 to update this suspicious information. I think you have not validated this account : XXXX XXXX XXXX XXXX Balance : {$46000.00} This was already included in my prior COMPLAINT and I'm including it again Investigate and fix the noteworthy account for its misleading 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 non-monetary relief
Consumer complaint received 2018-04-05
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was quite alarmed this morning when I went to confirm my bank balance in anticipation of a large purchase I was making and found that my balance was quite a bit lower than I expected. I looked at my transactions and found that my mortgage servicer had debited my bank account twice for my mortgage payment. My payment is debited automatically, a process encouraged by the servicer when initiating the mortgage. 

I contacted the servicer and asked what was going on and they indicated that all of their customers who had automatic debits for their mortgage payments were experiencing the same thing ; their bank accounts had been charged twice for their mortgage payments. I asked to speak to a supervisor who had no more information on why and how this had happened and when I asked to speak to a manager I was told that there were none present because it was too early in the morning. 

Since this servicer has hundreds of thousands of customers and I would suspect that a large number of them have auto debit for their mortgages, the total dollar amount involved would be considerable. Is this a scam? When will my money be replaced?

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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my 3rd attempt to have incorrect, inconsistent, and unverified information corrected or deleted from my credit profile yet these items remain unchanged. I have not received any correspondence from your company in 60 DAYS. I am demanding that all disputed items below be removed pursuant to 15 USC 1681i ( a ) ( A ) ( 1 ) and 15 USC 1681 ( a ) ( A ) ( C ). 

My first letter was sent XX/XX/2021. There was no response. 
My second letter was sent XX/XX/2021. There was no response. 

As you know, continuing to report this inaccurate, incomplete, and unverified information makes you liable under 15 USC 1681n and/or 15 USC 1681o. The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

I have attached all of the previous letters and a copy of my credit report to this request.

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 2021-02-01
Company: EQUIFAX, INC.
State: SC
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 am requesting a method of verification of this bankruptcy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$2200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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: Account information incorrect

Complaint:
I just do everything on my credit report big except it was my student loans my student loans no no erase every last one of my student loans due to my XXXX and XXXX  Trans Union and XXXX us laugh did not report my right score all my credit report after youre still loans was erase

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