BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: CA
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:
I have a hard inquiry on my Equifax from XXXX on XX/XX/16. I was not asked permission for XXXX XXXX XXXX or XXXX to run a credit check on me, they also did not disclose that they were going to run the credit check to me. I was an existing customer with XXXX XXXX XXXX during this time seeking a discount. During my conversation with the retention department representative he recommended that I switch my TV to XXXX and keep my internet on XXXX XXXX XXXX to save more on my monthly bill. During this conversation I was told they needed my social security number for " security reasons ''. I remember specifically asking if they were going to run a credit check on me to which the representative replied " no, they won't ''. After I viewed the hard injury on my report I promptly called XXXX XXXX XXXX and XXXX to remove it. After several phone calls and confusion from the XXXX XXXX XXXX and XXXX staff they referred me to their legal team address to mail a physical letter. I then sent a detailed letter to their legal team address explaining what happened and politely asked them to remove it. Its been nearly two years since I sent the letter and I have not received a response or had the hard inquiry removed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under 15 USC 1692g Portfolio Recovery XXXX, XXXX dont have the permission to say I owe anything. 

Under 15 usc 1602i " characterizes the transaction as one in which the party to whom credit is offered r extended is a NATURAL PERSON '' .thus as per this statute, a consumer is a natural person, thus, can not be a organization which makes me XXXX XXXX the original creditor. 

Under 15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Portfolio Recovery Associates have committed five violations Under 15 USC 1692k 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my mortgage payment was deducted from my account and a check for {$890.00} was written to US BANK and sent to them. Apparently this check went to the wrong XXXX XXXX and the receiver was able to cash the check, which cleared my account on XX/XX/XXXX. 
I have been working with my online bill pay provider for the past few months trying to get this issue rectified. They have asked US BANK to sign a form stating they never received my payment. Without this form, my online bill pay provider can not release my funds back to me. US BANK has REFUSED to fill out the form. They have lied to us several times saying the form was mailed. It wasn't until TODAY ( XX/XX/XXXX ) a customer service manger got on the phone that we learned the head of  their Payments Received department refused to send the form back! 
So my money can not be returned and US Bank says our mortgage is in default. We need the money back to pay our mortgage and US Bank has been ABSOLUTELY UNPROFESSIONAL AND UNHELPFUL!

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 2020-10-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20 XX/XX/20 XX/XX/20

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 2021-07-13
Company: WELLS FARGO & COMPANY
State: FL
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:
GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO XXXX ( CREDIT REPORTING AGENCY ) : -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE 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 non-monetary relief
Consumer complaint received 2018-11-27
Company: Mobiloans, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get 10 calls a day over and over for the past 2-3 weeks from a loan company called Mobiloans claiming there is a debt owed of XXXX for a loan that was under my name social security and address that supposedly was direct deposited to a XXXX  XXXX XXXX account which I am not affiliated with nor have I had. I've called XXXX XXXX XXXX to verify this information and there has been no such deposits or accounts with any deposits from Mobiloans under my name and social security number. Since I denied the debt they continue to call me continually. This is not my debt. Please help me.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: OH
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:
It's been over 120 days! Experian is reporting a XXXX XXXX XXXX as charge off and derogatory. Furthermore, the payment history listed is entirely incorrect. Inaccurate accounts must be removed and this account is in serious violation per Federal Law. Ive submitted supporting documentation and they continue to list this to further damage my score. See enclosed documentation. 

Also, Experian has reinserted account, XXXX  XXXX on my credit report, without my knowledge, which it its my understand this is serious violation of Federal Law. 

Lastly, Experian is the only credit bureau listing XXXX collection that I have no obligation to. XXXX has been contacted. I have no obligation to XXXX nor the original creditor. XXXX has not submitted any information and denies request to provide further information. I have no obligation to this account.

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 2021-07-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
RE : XXXX CARD XXXX Never late on this account. Paid as agreed. On time. 

Over thirty days ago, I wrote to Credit Bureau my disputing letter for account above. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these items have been removed. 

Thank you for your attention to this matter. I await response.

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 2021-07-13
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2020-10-15
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 sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out and disputed with XXXX, transunion, and XXXX about these accounts on my credit report with XXXX these accounts should be removed. XXXX XXXX is showing a balance of XXXX opened date X/2012 this information is not accurate and should be removed. There are open collections that were removed and recently added and that is against the law, was not notified. Those accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any signed contracts with these companies. Therefore, unless you can provide me documentation from these companies with my signature they need to be removed as they once were before. XXXX XXXX is a closed account as well that was deleted about 1.5 yrs ago and has resurfaced. I have filed a police report on the inquiries that I did not authorize. I have tried to contact bureau but they keep telling me contact company. The company tells me to contact the bureau. I have not applied for or authorized use of my report in the last 2.5 years. Inquiries listed below. 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 Some of these companies have more than 1 inquiry. Someone had accessed my file why would I apply 5 times with same company in less than 6 months? I have disputed this several times with no results from them. Please help, I didnt file a bankruptcy to have the same things on credit or to be a victim of identity theft and be held responsible. My next step will be filing a lawsuit. Thank you.

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 2018-06-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I got involved with a third party service that advertised partial or full loan forgiveness for select schools and students. My school was under investigation for it's accredited status so I was qualified for full forgiveness. I was told that if I made three down payments of {$240.00} for the next three months, I'd be taken cared of. After those down payments I received a noticed stating that my student loan that I setup with XXXX XXXX was payed in full. This was back at the end of 2016, my last down payment was XX/XX/2016. Now i've come to realize that my XXXX XXXX loan wasn't paid in full, but instead consolidated with another service called Navient. I wasn't told that my loan would be paid for with another loan while I was signing off on the agreement. I was told that I would have my student loan forgiven and abolished after those three payments. The third party service I was dealing with is called XXXX XXXX, and upon reaching out to them I've learned that they have been sued and under current investigation. I have sent XXXX XXXX my social security and bank card information and lots of money for them to lie and hide the truth from me. I wasn't promised a consolidated form of action, I was promised for my loan with XXXX XXXX to be forgiven and paid for. I was scammed by XXXX XXXX  and I have numbers and dates to back up my claim that I will send along this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2200.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 and has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-08-20
Company: EQUIFAX, 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX continues to call me. I owe around {$480.00} on a credit card debt and the debt has been passed to them. As of and including today, XX/XX/2018, they have called at least once if not more every single day. I requested they communicate only through mail. They have not complied. I requested they stop contacting me, and that further contact would be considered harassment. They attempted to tell me they could call any time they wished and that it wasnt harassment. I also have been unable to get any information on disputing the debt from them, they will not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Experian Information Solutions 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:
On XX/XX/XXXX I applied to refinance my car, immediately after a collection account was placed on my credit report by XXXX XXXX XXXX XXXX for a debt I have no knowledge of as if the company has something which alerts them to when someone applies for new credit. I tried to dispute with all 3 credit bureaus, and I received notification that the investigation has been completed and found to be valid as of XX/XX/XXXX. I tried to follow up with the dispute as I do not owe any collections or have any past due debts. I have 100 % on time payments reporting for all of my credit history. When trying to follow up I was requested to send a copy of my social security card and drivers license to add a fraud alert, however this is not fixing the issue of the invalid collection which has been added to my credit report without being verified or researched. This collection needs to be deleted as it has not been verified.

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 2021-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I mailed documents to Experian showing the incorrectness on my credit report asking for Verifiable proof but Experian took longer than the 30 days to respond. To this day, I have yet to hear a response from the letter sent on XX/XX/2021. XX/XX/2021 I sent 30 day no response letter showing Experian signed for documents on XX/XX/2021 but have yet to remove the incorrectness on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
FRAUD INQUIRIES THAT I DISPUTED WITH ALL CREDITORS LISTED THAT A FRAUD AND TO BE REMOVED AND NOT ONE CREDITOR HAS REMOVED THE INQUIRIES NOR HAS TRANSUNION >>>>>XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX   XXXX XXXX Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Finance ( XXXX ) XXXX   XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX  ) XXXX   XXXX Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2018 Finance ( XXXX  ) XXXX   XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX   XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/2018 Finance ( XXXX  ) XXXX Collections

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