BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. It was sold to company after being removed from my report previously.

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 2017-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
once again XXXX has not or refused to understand that my id was stolen months ago and they would not do anything about it I filled and called the police about it. this bank refuses to do anything. I told them that XXXX the store that has the card with this bank told us at a store in XXXX Indiana that someone stole it. we had our house robbed and they stole my id. we done everything right had are with XXXX XXXX XXXX  because of what happened I have not gotten a bill from XXXX bank at all about the account. they told XXXX XXXX XXXX that they could not find any of the accounts. they know we have been with them because they talked to them about other accounts and was going to the XXXX department. that they would get in touch with XXXX XXXX XXXX. there for it will be looked after. XXXX XXXX XXXX who I talk to a XXXX and a XXXX from XXXX bank said there was no other accounts under the XXXX store that she thought maybe they went to the XXXXXXXX department at the bank .there foe she told them and I that there was no way of tracking it down. 
then today XXXX/XXXX/XXXX I get this from protfolo recovery associates llc. XXXX bank never sent us or XXXX XXXX XXXX that they turned it over how could they if the girl could not find it. they new 19 months what was going on. now this it was sold to them last month on XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.These items must be removed entirely from my Credit Report on its next update Here are the aforementioned items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-09-22
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am having an on-going issue with Helevy & Associates.  My understanding is they were assigned to collect a debt regarding XXXX XXXX in early XXXX. Helevy & Associates ended up reporting the account as a collection to at least XXXX credit reporting agencies, including XXXX and XXXX. At no point did I received written notice of their involvement in the collection of a debt, nor did I have any knowledge any money was owed to XXXX. Records from XXXX indicate Helevly & Associates is reporting XXXX XXXX XXXX, XXXX XXXX FL XXXX as the address associated with the account. I never lived at this address and do not receive mail there. Any correspondence sent by XXXX would have been returned to sender as undeliverable. 

I did settle the debt when I found out it was reporting to my credit history. The agent for Helevy & Associates said they would request deletion of their tradeline after the account was paid. Yet, XXXX years later, it has not been deleted from my credit history, and when I disputed it via XXXX and XXXX, XXXX indicated that it should remain reporting and not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: Information belongs to someone else

Complaint:
I have a fraudulent account on my credit report, which I reported it to XXXX  XXXX XXXX, yet XXXX  XXXX XXXX is not removing this fraudulent account. XXXX  XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3100.00}XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00} which were open at an address which I have never lived at and it has nothing to do with me. Accounts showing above are indicating with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) which is not mine and I never lived there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: OK
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:
There are multiple hard inquiries reported on my credit report. On my Experian credit report, the following are unauthorized hard inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry ON XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also on XX/XX/XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not recognize any of these. I called the companies on my Experian, XXXX and XXXX XXXX report to request a deletion letter on XX/XX/XXXX, They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.

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 2020-07-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian- XXXX XXXX . : I was trying to dispute my rent history. Everything was paid off to the Property Attorney. I sent the documents the property attorney sent me which was the documents to dismissed the motions and all accounts were satisfied and paid in full but they stated the information was not sufficient enough. I spoke to XXXX ( XXXX XXXX ) and they stated they never received any information from Experian-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 2023-06-08
Company: EQUIFAX, INC.
State: NV
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$670.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
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: Information belongs to someone else

Complaint:
I have a fraudulent accounts on my credit report, which I reported to BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, yet they are not removing these fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened at an address where I have never lived at and it has nothing to do with me.

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 2018-11-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I suffered damage to my home during Hurricane Michael and received a check from my insurance company for XXXX dollars. I notified Fifth Third Bank that I wanted to use the funds to pay off my mortgage, I received a letter from them date XX/XX/XXXX acknowledging my request for payoff and instructions on how to indorse check and where to mail. I also received a payoff that was good till XX/XX/XXXX. I sent them the check endorsed by my wife and I with the account number notated on from and the request to pay off my mortgage, I have the receipt from the postal service where I mailed the check and I am showing on my account where they have cashed the check and listed it as an unapplied credit. I have called several time to get this resolved and was assured that my account would be paid off as of the XX/XX/XXXX. I received a letter dated XX/XX/XXXX advising me that all late fees and negative impacts on my credit report would be waived or retracted and that they hade posted my payment as instructed. I call this afternoon and was being transferred and was put on hold for over thirty minutes and I hung up. To me it would have been as simple as them endorsing the check taking my balance owed and mailing the rest back to me. I still don't have my money and now they say I am late on my payment. I am a XXXX XXXX XXXX XXXX XXXX veteran and this is causing undue stress that I don't need. Can you help me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08
Company: Shellpoint Partners, LLC
State: MA
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: Problem with product or service terms changing

Complaint:
I filed a dispute on Shellpoint thru XXXX  in XX/XX/XXXX& XX/XX/XXXXas 3 months was missing stating I did not pay the monthly amount on a modification I had started with Shellpoint on XX/XX/XXXXwhich I PD on XX/XX/XXXX.but on XXXX  it states PD XX/XX/XXXX but references XX/XX/XXXXand was for XX/XX/XXXX {$2100.00} 2nd mod PD end of XX/XX/XXXX {$2100.00} for XX/XX/XXXX last payment for Modification was XX/XX/XXXX for XX/XX/XXXX for {$2100.00} those were the 3 modification payments Start in XX/XX/XXXX, - XX/XX/XXXXi disputed the dates & XX/XX/XXXX said no payment i am going to XXXX XXXX XXXX XXXXXXXX tomorrow to get payments sent to Shellpoint from XX/XX/XXXX-XX/XX/XXXX. Which will prove Shellpoint received the monthly payments. The Attorney Generals Office in XXXX reached Shellpoint & had my percentage rate reduced from 5.0 % to 3.375 % and my monthly payments were reduced to {$1900.00} per month. When I was emailed from XXXX  that my dispute was ready checked XXXX  put in No Payments for XX/XX/XXXXwhich also Reduced my mortgage Fico Score for mortgage from a XXXX and put down to a XXXX for Mortgage this should be made right I paid as I was suppose to in XX/XX/XXXXafter Fraud/Identity Theft!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
For the past XXXX years I have struggled to make mortgage payments and Carrington Mortgage failed to allow me to use pandemic protections, failed to accept application documents to secure a modification, refused to accept payments, failed to respond to complaints, failed to properly review and process application for a loan modification in XXXX, XXXX and XXXX, threatened to foreclose and finally foreclosed on property on XX/XX/2023. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There were three Unauthorized transaction performed by JP Morgan Chase on my account on XX/XX/18, XX/XX/18 and XX/XX/18. The money were sent to XXXX XXXX without my permission and knowledge, Bank owes me my {$24000.00} I reviewed page 21 of Deposit Account Agreement, under section E, titled In case of Errors or Questions about YOUR Electronic Fund Transfers, it does not apply to this transactions because they were not MINE. If it was mine it would apply to my case, but transactions were not mine, I was not aware or authorize these transaction in any way shape or form. Account was mine, money were mine but actions were by JP Morgan Chase. 
This section applies to the case if I sent {$8000.00} instead of {$80.00} or changed my mind. This is not a case, I did not send my money to XXXX XXXX, the money were sent without my permission or knowledge. 
Claim handler XXXX about whom I complain. I is very unprofessional in handling my claim, first of all he has no idea how alerts work, second stubbornly treats transactions my account as they were MY transactions, while those transactions are all done UNAUTHORIZED without my knowledge, but on my account, thirdly he is never at his desk or never pick up his phone. Left him a message for 12th time. How can I defeat this tremendous bureaucracy and get MY money stolen from my account???

Also I am in possession of two checks {$6900.00} and {$8000.00}, they are issued in the name of closed and nonexistent account, my instructions were to deposit my money to my other related business account. The checks are good only for next 10 month, I am retired and living in XXXX, have no plans to visit US in the next 10 months, so money supposed to be deposited according with my instructions to my other business account XXXX XXXX XXXX. {$6900.00}, {$8000.00} and {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received en email about a credit card that isnt mine someone started in my name with ace elite

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 2018-11-20
Company: EQUIFAX, 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:
On XX/XX/18, I was notified by XXXX XXXX that my name had been changed on my credit report and that I had 4 hard inquiries recently added. I found that this had all happened on my Equifax report. I submitted an online dispute for the inquiries and a few days later received an email stating that the dispute was concluded and I needed to log on to get the results. I tried doing that and received an error message saying I needed to call in. For the last WEEK, I have been trying, to no avail, to get this taken care of with Equifax. I am being told over and over to " call back in 30 minutes because the system is updating. '' FOR. A. WEEK. What kind of incompetent company has their fraud department going through a system update for days at a time???? I am very clearly going through identity theft and I can't even get it handled so that my credit isn't further affected. I need a resolution! PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
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:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX To Whom It May Concern : This letter is regarding Helvey and Associates an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX.This is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: CT
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:
The inquiries have been on my report for quite some time. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Equifax. 

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks Us Department Of Edu Inquiry from XX/XX/XXXX + State XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX-XXXX XXXX XXXX Inquiry from XX/XX/XXXX +

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX ( XX/XX/23 ) i've contacted this company about reporting inaccurate information accounts that dont belong on my report that are currently giving me a hardship within my life that's stopping me from making purchases and extended my credit to the companies that I actually want to do business with. I know under U.S.C 1681 e ( b ) they should be furnishers of information, such as creditors or lenders, have a responsibility to provide accurate and complete information to consumer reporting agencies. 

XXXX ( XX/XX/23 ) i've spoken with this company about the same problem reporting inaccurate information there telling me to just wait Equifax ( XX/XX/23 ) I've contacted this company about inaccurate information

Company response to consumer: Closed with explanation