BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Was not notified of investigation status or results

Complaint:
I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies Portfolio Recovery Associates, LLC XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, XXXX  and XXXX  ). All the 4 collection accounts where deleted by XXXX but XXXX XXXX and XXXX continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on theXX/XX/XXXX and i did not get any reply from them ( XXXX XXXX and XXXX ) and i sent a second follow up letter on the XX/XX/XXXX and still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed Portfolio recovery associates, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Exeter Finance Corp.
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:
I have communicated several times with this creditor and I have let him know on many occasions that this account is not mine, I have sent him a police report, I sent him 2 documents from the federal trade commission where these documents explain that I was a victim of theft of identity and they send me a letter saying they do not have enough evidence to substantiate that I was a victim of identity theft and this account is not mine. They allege that they have my cell phone number on the account and that is why this account belongs to me, I alleged that the phone number that appears on that account is not mine and they do not want to do anything. Apart from this they are discriminating against me because I do not speak English and a customer service employee always has to translate for me and they do not translate 100 % what I allege. This is hurting me and I need them to fairly evaluate and prove that I am not the person who opened this account.This week the Detective will be going through the dealer where this account was opened to request some document that the person used to validate his false identity such as ID or passport of the person who opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting inaccurate collection accounts to my credit report. I have disputed the company XXXX XXXX XXXX XXXX multiple times over the phone and through the Equifax website and the information still remains on my report. After constantly disputing the 3 accounts that are being reported under this companys name, each account is now reporting twice! I disputed all 6 accounts once more and Equifax said that all of the information was verified which is impossible because the accounts are not only reporting double times but they are also inaccurate. I requested information from the company itself and they did not validate the debt that is stated on my credit report. My score is being effected and Equifax wont properly investigate this issue. The representative that I spoke with said that he could clearly see the doubles accounts but he was unable to take them off. No other CRA is reporting this company. I am demanding for it to be removed from my credit report and for myself to be made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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: Investigation took more than 30 days

Complaint:
I have disputed a collection account from XXXX XXXX XXXX XXXX XXXX on multiple occasions. The most recent dispute ( confirmation number XXXX ) was filed XX/XX/2021 and the dispute has still not been addressed. This dispute has been open for 60 days and the credit bureau has still not resolved it. A representative, XXXX, from XXXX XXXX XXXX XXXX XXXX, called me directly and advised that they sent an electronic communication to all three credit bureaus on on XX/XX/2021. Both XXXX and XXXX  immediately removed the collection account from my credit file. However, Equifax has yet to remove this from my file per the direct instruction from the collection company, and the dispute regarding this matter remains open. This is causing great harm to my credit and may prevent me from getting the best interest rate while attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I was out on XXXX, and went into a XXXX XXXX XXXX. I was in contact with the creditor, XXXX XXXX through out the entire time. I made a payment arrangement with the debtor and was told this would not appear on my credit report. I have filed two disputes with Experian, and one with XXXX to have this corrected as per the debtor. I spoke to the debtor earlier this week, and they confirmed that they would take care of it. After filing 2 disputes with Experian, and in spite of the mortgage companie 's assurance, Experian refuses to correct the information. I am getting frustrated. 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 2021-03-07
Company: EQUIFAX, INC.
State: LA
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:
XXXX -EQUIFAX XXXX 2 COLLECTIONS AND 6 CHARGE OFFS! 
THE ACCOUNTS HAVE BEEN SOLD TO DEBT. COLLECTION AGENCIES. 
*THE COMPANIES AGENT REPORTING VERIFIED ACCOUNT INFORMATION WHEN DISPUTED AND CHOOSE TO KEEP THE REMARKS ON REPORT. 

XXXXDISPUTE REQUESTED- XXXX/EQUIFAX/XXXX REQUESTING : VERIFICATION OF DEBT. REQUESTING PAYMENT HISTORY AND REMOVAL OF ACCOUNTS DUE TO INACCURATE CREDIT REPORTING REGARDING SETTLEMENTS/PAYMENTS/DELETIONS. 

2 COLLECTIONS : Opened XX/XX/XXXX, XXXX {$2100.00} Opened XX/XX/XXXX, XXXX {$2400.00} 6 DELINQUENT CHARGED OFF ACCOUNTS -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PLEASE ASSIST IN THIS URGENT MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I downloaded the Experian app about a year ago to get advice on raising my credit. Using the steps on this Experian app and paying off debt and current with others, this app now says that I have a FICO score of XXXX. When I went to a local dealership to purchase a car, I was told that my FICO score was XXXX. I have never been so humiliated in my life. When I spoke to a Customer Service Rep at Experian, he tried to explain it as a " metrics '' issue. What type of " metrics '' cause lenders to have FICO scores with XXXX point difference from what potential customers are seeing from Experian? Now I have inquires in my credit all based on a product that obviously is a scam. Any help with this issue would be greatly appreciated. You can contact me XXXX. Thank you for your time, and I hope to hear from you soon.

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 2019-08-08
Company: CITIBANK, N.A.
State: AL
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:
I had an inquiry from Goodyear show up on my XXXX   credit report. I have not applied for a Goodyear card in any manner as I haven't even needed anything that Goodyear offers. I didn't authorize this and would like it removed since I didn't ask for credit to begin with. I have a frozen report now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failed to validate inaccurate information 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 2018-02-20
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: Old information reappears or never goes away

Complaint:
I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.

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 2020-05-02
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX HAVE NEGATIVE INFORMATION LISTED ON MY TRADE LINES. WHEN I CONTACTED XXXX XXXX I WAS TOLD BY THE CUSTOMER SERVICE REPRESENTATIVE THAT SHE HAD NO KNOWLEDGE OF MY ACCOUNT. ON MY TRADELINES, IT IS LISTED THAT THIS ACCOUNT WAS TRANSFERRED TO ANOTHER LENDER. I CAN'T GET VERIFICATION OF THIS DEBT AND WAS TOLD BY THE REPRESENTATIVE THAT THERE IS NO KNOWLEDGE OF THE ACCOUNT. WITH ALL THIS BEING SAID, THERE SHOULD BE NO NEGATIVE INFORMATION LISTED ON MY TRADELINES AT THIS POINT. I HAVE FILED DISPUTES, AND ATTEMPTED TO CONTACT THE COMPANY WITH NO SUCCESS. I HAVE FILED DISPUTES WITH XXXX, XXXX  AND EQUIFAX WHO ALLEGEDLY VERIFIED THAT THIS WAS ACCURATE INFORMATION. NEITHER CREDIT REPORTING COMPANY CAN PRODUCE THE VERIFICATION THAT ALLEGEDLY OBTAINED TO VERIFY THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CMRE Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CMRE FINANCIAL, XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Has sent me collections notices in the amount of XXXX the collection has been reported as past due. I dont know this company. I have never done any business with this company. This company does not have a contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX HAVE NEGATIVE INFORMATION LISTED ON MY TRADE LINES. WHEN I CONTACTED XXXX XXXX, I WAS TOLD BY THE CUSTOMER SERVICE REPRESENTATIVE THAT SHE HAD NO KNOWLEDGE OF MY ACCOUNT. ON MY TRADELINES, IT IS LISTED THAT THIS ACCOUNT WAS TRANSFERRED TO ANOTHER LENDER. I CAN'T GET VERIFICATION OF THIS DEBT AND WAS TOLD BY THE REPRESENTATIVE THAT THERE IS NO KNOWLEDGE OF THE ACCOUNT. WITH ALL THIS BEING SAID, THERE SHOULD BE NO NEGATIVE INFORMATION LISTED ON MY TRADELINES AT THIS POINT. I HAVE FILED DISPUTES, AND ATTEMPTED TO CONTACT THE COMPANY WITH NO SUCCESS. I HAVE FILED DISPUTES WITH TRANSUNION, XXXX  AND XXXX  WHO ALLEGEDLY VERIFIED THAT THIS WAS ACCURATE INFORMATION. NEITHER CREDIT REPORTING COMPANY CAN PRODUCE THE VERIFICATION THAT ALLEGEDLY OBTAINED TO VERIFY THE DEBT.

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 2021-09-15
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE REQUESTED THIS CORRECTION OVER 10 TIMES SINCE XX/XX/2021 AND THIS IS NEGLIGENCE NOW.

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 2019-05-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
I was on temporary XXXX ; and went into a XXXX Pay Status at work. I have been in contact with USAA/XXXX the entire time. I made a payment arrangement with the mortgage company so that my mortgage would be paid and there would be no issues. USAA/XXXX agreed to keep showing my account as current without any negative comments. My credit reports are showing XXXX late payments and this is having a very negative impact on my credit. I contacted USAA/XXXX again this week, and spoke to a representative, who assured me that the late payments would be corrected. I have filed disputes with all of the credit reporting agencies : XXXX XXXX XXXX XXXX. However, the incorrect, negative information remains on my account. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX XXXX offered to forebear some mortgage payments because the area we live was declared a federal disaster area after a Hurricane. 

All payments agreed were made on time as requested with no late fees or letters In XX/XX/XXXX the account was sold and Shellpoint began to administer the account All payments were made on time with no late letters In XX/XX/XXXX the HAMP/HARP payment of {$5000.00} should have been awarded. Shellpoint refused and started sending me late letters and charge me for home inspections. 

After I proved the facts they eventually agreed to credit the {$5000.00}, which they had no choice after acknowledging I was never late and therefore entitled to the money However, they refused to refund any fees They also decided to incorrectly list me as owing thousands more than I did with the Credit Agencies and show no payments How can I be on time ( therefore receiving HAMP {$5000.00} ) and in arrears. 

Impossible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Amsher Collection Services, 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:
On XXXX XXXX I was notified by XXXX monitoring service that a major derogatory report was detected. It was filed by a collection service- Amsher collection servicesXXXX XXXXXXXX ( XXXX XXXX. I contacted them and was told there were 2 accounts that went to collection from XXXX and they were in my name.These were not mine and contested them. They opened a fraud case # XXXX and are sending instruction on what I need to do. I was told that the first collection case was for {$230.00} ( case # XXXX ) the second was for {$2600.00} ( case # XXXX ). Suspect apparently used my name and XXXX XXXX XXXX, XXXX, XXXX as an address. ( not my address and I don't have a XXXX phone either ). This collection service never tried to contact, just file negative report! I will be filing a police report and have placed fraud alert with the 3 credit bureaus.. 
















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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A customer service agent from the original creditor Capitol One reached out to me by email and phone on Tuesday around XXXX. At first when I was talking to her, I was very hesitant about giving her my info without her verifying what info she actually had on this account. Mind you this conversation was recorded. When I finally asked the lady if I give her my social security or the last four will she verify that it is my social security and if not take this off my credit report. She did not agree to removing it off my credit report which I did not understand but I do know that it is fraud to not remove an account that can be proven not to be mines off of my account. However, I gave her the number and she did research and said no that is NOT the social security number that we have on file. would that not be enough to remove that from my credit file? She asked me to send my documents in to here ; however, I do not feel comfortable sending my documents to a company I am not affiliated with. I have decided that I will stand my ground. The case number I was supplied on this case is XXXX. If this was under my social security number I would have filed a fraud dispute ; however, since they have confirmed to me that it is not my social after all these years I beg you to quit letting them falsely keep this on my account and dampen my good credit history by coming after the wrong person. PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital one kept calling my husband AND gave him MY information without my permission. They said they were going to file a judgement, gave him everything single detail of my account. 

XXXX credit card did the same exact thing. Also, my husband keeps getting telephone calls about my debt. I think that they should compensate me just for the aggravation that I have endured!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My company changed our regular pady from Thursday XXXX to Wednesday XXXX. I have confirmed with my company they they submitted direct deposits on XXXX/XXXX/17 to allow for this change. My direct deposit is split between a credit union checking account and my pre-paid card. My credit union deposit hit the night before like it normally does and balance made available. However the pre-paid card deposit did not hit the night before like it normally did. I called the pre-paid card customer service at XXXX MT to see what the problem was. I was told to give it until XXXX " east coast time ''. I did so, and at XXXX checked my balance, no funds so I call back. This time, I 'm on hold at least 30 minutes and they now say it 's delayed due to the holiday ( tomorrow, XXXX ) and to give them another 4 hours. I had no reason to think my direct deposit would not hit on time, and now my family and I are traveling out of town with no money, praying that they correct whatever issues they are having. I have no recourse because my company has paid me. I am at thier mercy.

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 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE BEEN FIGHTING TO CLEAR MY NAME AND THE CREDIT BUREAUS ARE NOT HELPING ME MUCH.

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