BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY ASSOCIATES is attempting to collect a debt that do not belongs to me. I expect a cease and desist and item to be deleted from all major credit reporting agencies, this inaccurate and false reporting is hurting my financial goals. I have never done business with this company and have no agreements with this company. PORTFOLIO RECOVERY ASSOCIATES is reporting invalidated information on my credit reports and this action might constitute fraud under both federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX XXXX of 2022 Venmo Credit Card The credit card advertise that they give XXXX XXXX back on the highest used category and XXXX XXXX back on the second highest used category. 
I have multiple charges at different doctors offices, and utility company. The credit card refuses to categorize the merchants as health and utility categories respectfully, and gives back only 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 2019-07-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MY CREDIT SCORE : ON XX/XX/XXXX XXXX, ON XX/XX/XXXX XXXX, -2.

ON XX/XX/XXXX XXXX, - 22 ON XX/XX/XXXX XXXX, -7 ON XX/XX/XXXX XXXX -31 IT APPEAR TO ME THAT THEY HAVE LOST TRACK OF THE BUSINESS, WHEN ON XXXX THEY TOOK 22 POINTS OFF ME I CLOSED XXXX XXXX CHECKING ACCOUNT THAT I HAD SMALL BALANCE AND I WAS NOT USING IT, AND I CLOSED TWO OTHER CREDIT CARD WITH XXXX BALANCE TO IMPROVE MY CREDIT SCORE BUT TO MY SURPRISE IT HAS RESULTED TO LOSS OF ADDITIONAL 31+7=38 POINTS, I HAVE OVER 30 YEARS OF CREDIT HISTORY AND HAVE ALWAYS KEPT MY CREDIT CRISTAL CLEAR NOW ALL OF A SUDDEN THEY ARE RUINING MY CREDIT SCORE I GUESS JUST BECAUSE I JUST TURNED XXXX OFFICIALLY MAKES IT ELDERLY ABUSE, PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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: Investigation took more than 30 days

Complaint:
In XXXX of 2016 XXXX XXXX XXXX XXXX recieved a lump sum check and additional payments to pay my account in full from a total loss accident on the finances XXXX XXXX. 

After all amounts due were paid, COAF, without sending proof, sent a demand for another {$130.00}. I called and requested proof of the debt, an amortization schedule, record of how the payments were posted to prove indeed I owed the remaining amount. They did not then nor have they since ever provided this proof. 
They then charged off the XXXX dollars and have since sent the about to collections, and I asked the subsequent collection agencies for proof of the debt, the payment record, anything showing how they came to this final amount despite the previously provided balance payoff/payment amounts. 
Furthermore by continuing to send this to collections agencies, they are now violating the State of FL statute of limitations on written promissory notes of 4 years, and are still reporting this unproven debt as " Passed Due '' If they can't even be bothered to furnish the proof of debt, how can they continue to negatively report on my credit. It should be corrected retroactively to XXXX of 2016 to paid as agreed and paid in full, NOT delinquent and charged off. 

I have disputed this by phone, mail, with the three agencies, with XXXX, as well as the collection agencies they kept shifting it to no less than 15 times. No one has ever just provided the proof by mail. 
I'm fed up that they have no responsibility to prove the debt and proper payment posting, but are ruining my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
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:
Equifax is reporting false information on my credit file. I have tried to fix this issue and Equifax is not responding to my requests or in a timely manner. Equifax is the only agency reporting that I have a collection account from a company I never had any contracts with and this collection is in somebody else 's name. The collection agency never gave me 30 days notice that they were placing " this person '' into collections under my credit report. Equifax needs to remove this item it is not mine. I reported this to Equifax as fraud and they have done nothing but false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has indicating that paying them would stop the damage to my credit. This can also be taken as a threat to further damage my credit. This is very deceptive. 
This occurred in emails exchanged with company representatives on XX/XX/2018. They are using deceptive collection practices to convince me to pay a debt that I do not believe is fair and owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOUTHWEST CREDIT SYSTEMS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On the date of XXXX XXXX/2021 I discovered a account being reported by Transunion as an collection. I have never open or owned any such account. I disputed this account not only because it was false and inaccurate and not mine. Upon investigation it was found that the company also was reporting fraudulent information such as account numders, names and addresses which are by law also grounds for removal of said account. On XX/XX/21 the account XXXX XXXX XXXX was removed from my credit file. On XX/XX/XXXX I noticed that it has been reinserted on my credit file. I received no notice or warning

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX L XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX  XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$750.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Original Creditor : 11 XXXX ) XXXX Balance Owed : {$3200.00} ; XXXX ( original creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXXXXXX XXXX Original Creditor : 01 XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXX (  Original Creditor:08 XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX A ) XXXX Balance Owed : {$160.00} ; XXXX XXXXXXXX ( Original Creditor : 06 XXXX ) XXXX Balance Owed : {$2100.00} ; XXXX Original Creditor : 11 XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXX ( Original Creditor:09 XXXX XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-07-11
Company: WELLS FARGO & COMPANY
State: AZ
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:
Hi, Wells Fargo incorrectly reported my payment status in XX/XX/XXXX, and again in XX/XX/XXXX. They are reporting my payment as 30 days late, when I paid my XX/XX/XXXX mortgage on XX/XX/XXXX, and I paid my XX/XX/XXXX payment on XXXX, and Wells Fargo reported both payments as 30 days late, my mortgage is due on the XXXX, so by normal math mother payment was 30 days late. I called wells Fargo in XXXX to dispute the XX/XX/XXXX report, as I'm trying to secure an equity loan, and they came back and it was reported correctly, even though they confirmed and my bank account reflects the payment being made prior to being 30 days late. I'm now afraid to dispute the XX/XX/XXXX report because they put comments on my credit report that I disagree. I need help, their inaccurate reporting is messing with my credit and my ability to secure an equity loan.

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 2021-06-04
Company: Experian Information Solutions Inc.
State: MD
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:
The results of two disputes that were initiated by me the consumer on Experian 's website on XX/XX/XXXX and XX/XX/XXXX for an inaccurate reporting of an account that is reporting closed " by consumer '' is incorrect. 

The XXXX XXXX account is open as an authorized user, and is in good standing. 

On both disputes the results remain the same as saying that this account has been closed by the consumer. 

I have confirmed with XXXX XXXX on XX/XX/XXXX and the Primary card holder that this is not the case. This account is open, in good standing, and I am an authorized user, and it should be reported as such. 

The available amount of credit for this account is {$16000.00}. The balance owed is {$5.00}. This account has never been late. It has been opened since XX/XX/XXXX. All of this information will add good history to my credit account. 

Both XXXX  and XXXX  are reporting this account as open and I as an authorized user.

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 2019-03-19
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Very poor communication and readiness of Ditech Financial LLC in communication with customers in the changes in account structures, new account numbers and customer service. First, in XX/XX/XXXX received the lump sum payment as was practice for both mortgage and insurance and applied the entire amount to principle as opposed to mortgage and insurance payments. This was resolved after finally getting customer service on the phone with extended wait time. XX/XX/XXXX, received notice of new account number for insurance payment and that we would also receive a new account number for mortgage all still with Ditech and to be made separately to different addresses with new account numbers for future payments and notice of Chapter XXXX for Ditech. XX/XX/XXXX, new account numbers not yet provided and informed to still send lump payment and told by customer service they would still separate and the online account services would be unavailable for a few days while upgrades were made. Ditech received the lump sum payment as of XX/XX/XXXX ( due XX/XX/XXXX ) and did not post the mortgage payment as paid until XX/XX/XXXX and still showing on line the insurance payment due which is not correct as all was sent. Email customer service and never get a response other than a letter without resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: HI
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:
On XX/XX/2020 I discovered that Equifax Credit Bureau dropped my credit score by 92 points in a 30 day time period. The only change in my credit card balances over the last 30 days is a XXXX purchase in which I countered with a XXXX credit line increase with two of my creditors. According to the credit report from Equifax my Credit usage is 9 %. I called XXXX XX/XX/2020 Equifax to find out why my credit score dropped drastically. The representative informed me that she could not discuss my credit score over the phone. But that she could provide me with a free credit report, and will send it regular mail. I agreed to the free report! Bottom I believe that Equifax made an error in calculating my credit score. I need this issue resolved. I feel helpless, for I have done very well managing my credit and should not be punished like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2020-07-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have XXXX kids and my husband and I have lost our jobs due to COVID-19. I was set up on automatic withdrawal for one of my credit cards with them. Something happened with their system and it didnt deduct it. I received a email saying it was past due. I immediately called them to sort out the issue. The first rep kept lying and changing the subject, was very rude! I explained the situation and just tried pawning me off to another department. They couldve easily waived the {$50.00} late fee and just gave me some made up lies. They would rather justify stealing from innocent people during a tough time. I have never ever been late with them. Instead they would rather have my kids go hungry for their own benefit! This is the problem with our country greedy scumbags like the entire Citibank!!!!

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