BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: Capio Partners, LLC
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:
I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX ) Police Department. Ive also mailed in certified letters to XXXX. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX, FL ) He notice several instances where XXXX are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. XXXX continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they must do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If XXXX fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX  has violated the FCRA.. XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by XXXX XXXX XXXX ) These individuals are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they continue to report. We are seeking full damages We feel these individuals have not assisted in making sure their respective bureaus are in compliance 1.XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. CAPIO PARTNERS LLC Original creditor : XXXX XXXXXXXX {$75.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX  {$450.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
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/2019, EQUIFAX MORTGAGE SER add a hard inquiriy on my credit report per Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX an Associate came over to my home here in Florida from XXXX XXXX XXXX. We installed a home security system in our home. There were no problems in the beginning and all bills were always satisfied and paid in a timely manner. In XXXX a major storm hit our area and lighting struck our home a burned XXXX XXXX XXXX XXXX system. We made numerous phone calls to have the system repaired and or replaced but nobody ever came to make any repairs or replace the system. We called XXXX many times and appointments were supposed to had been scheduled but nobody would show. In XXXX and XXXX, XXXX. XXXX I checked my credit report and saw the XXXX had sold my account to a third party collection agency called Perfection Collection. I gave Perfection Collection and call to explain to them that I didn't owe this bill and that XXXX broke their contract by having someone come over to the home to fix and or replace the system do to a major storm and a lighting strike burning the system. The collection agent then stated, '' We don't care nor want to hear what you have to state, you must pay this bill today, or contact XXXX to figure this mess out with them ''. I again tried to communicate with Perfection Collection, but this was not successful. I then called XXXX on XX/XX/XXXX. XXXX to explain to them what has happened again, but the only option they gave to me was to call Perfection Collection because the account had been sold to them and there was nothing anyone could further assist in. 
I do not owe Perfection Collection or XXXX the total amount of {$1.00}, XXXX for services that were never provided. The amount owed began after the major storm occured and after the lighting strike the home and burned the unit this was not any amount owed before this time. I'm asking for this to be removed from my credit report because XXXX  and XXXX have removed this from my credit report, however, Perfection Collection thought they could try again with XXXX and know this is back on my credit when it was resolved with the other two credit agencies. I did report this matter with XXXX  on XX/XX/XXXX but they do not want to resolve this issue. I have been also getting over thirty phone calls per day from Perfection Collection on my business work phone. I'm asking for this matter to be resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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: Information belongs to someone else

Complaint:
I want to make a complain because I found accounts that do not belong to me. I do not recognize none of them. They just ruined my profile. Is that legal in general? Remove them please These are those accounts : XXXX XXXX  XXXX XXXX XXXX XXXXe 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

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 2020-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Per Section 609 ( a ) ( 1 ) of the the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. I was in graduate school and at this point of graduation when this account was showing in XXXX as past due. This is inaccurate I have never been late for my accounts. I had an hardship forbearance from those debts for XXXX-XXXX.

This delinquent account record is inaccurate. I request that all the following accounts associated be validated, or promptly removed.

Account Number : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When my mortgage was transferred to PHH from Ocwen, I had problems getting their website to accept payments and I missed a couple. I then contacted the company to request a modification as 7.5 % is too high. With the previous mortgage company, I had paid XXXX in additional principal, and had never missed a payment. The mortgage number is XXXX. 

Anyhow, this modification dragged on, and I just called to see if I could make some payments and they said that they removed the modification and moved this into foreclosure. This is something that should never happen. 

I would like for them to give me relief, as my business has had issues due to the COVID-19 emergency, but I do have the means to keep these payments current. 

Thanks! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX {$180.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$230.00} XXXX XXXX {$97.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX {$600.00} XXXX   XXXX {$2200.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX {$19000.00} XXXX XXXXXXXX {$5400.00} XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$2500.00} 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 2019-03-14
Company: Upstart Holdings, Inc.
State: NC
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:
The reason I am writing to you is to state that Upstart is being inconsiderate, I have always been a loyal if not outstanding customer. Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards earlier this year, and I was over a month late in XX/XX/2018 ( payment reported as 30-59 days late ). Also, I had been carrying a sizable balance for several months but as I am writing to you now, I am in the process of paying of the balances on my Upstart account. their records will show that I had never been late with a payment until this unfortunate oversight. 

The reason for me to be off the schedule to make the payments is that I got married in XX/XX/2018 ( Proof of Marriage ). As a result, I travelled out for my honeymoon for a few days, having expected to be back in time to take care of my payments. Unfortunately, During the few days honeymoon, my wife fell very Ill and could not come back as planned. I wish all was well in our Honeymoon and had come back in time but now its too late for me to go back in time and fix the situation. This was not entirely my fault as I was not around to make payment. Were it not for this set back, I could have maintained my perfect record. I can assure you it wont happen again going forward. 

The reason for writing this letter is that Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. 

As a long-time customer in good standing, it would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment from my file that was reported in XX/XX/2018. 

Thank you for your consideration, and I hope youll approve of my request. 
I am attaching my travelling itinerary and marriage certificate for your reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Victim of identity theft/fraud since 2016. Have filed a dispute several times with police reports. Credit reporting agencies have failed to remove fraudulent accounts. I have done everything I could to get this resolved. Im a victim suffering defamation and identity theft. Accounts frequently keep getting put in my name without my consent and affecting my credit. Transunion is no help with this severe issue. I have submitted several disputes since it first appeared on reports. They refuse to provide me any proof of this being accurate because its not accurate.

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 2023-09-08
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sent {$47.00} on to XXXX XXXX https : XXXX who promised to provide me with access to my ( hacked and locked ) XXXX account. This payment was sent via Cash App. It was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have a medical debt from Illinois XXXX XXXX. ( XXXX ) XXXX. The explanation of benefits was sent by me on XXXX XXXX. They have the information on " hold ''. Meanwhile Northwest Collection Company ( XXXX ) XXXX. Has been threatening me that they do not have to accept the insurance and I owe them the full amount. Now over a month and a half later the account is now in collections. No one from Illinois XXXX can request Northwest to remove the collections. I feel as if they are doing this so I can get frustrated and just pay full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: MS
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 have items on my credit report that i would like to verify the information on. I would like to dispute the XXXX XXXX XXXX account opened XX/XX/XXXX for {$550.00} dollars, the XXXX account opened XX/XX/XXXX for {$840.00} dollars, XXXX XXXX   account opened XX/XX/XXXX for {$850.00} dollars. I have disputed these accounts online with credit bureaus. I would like to verify the information on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: ID Analytics, Inc.
State: TN
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 Applied for a car loan and was accepted for the loan by a credit union. Received report in mail from XXXX XXXX  regarding the loan ( that I did not take out with them but instead used the above credit union ). XXXX XXXX denied my loan due to a report from a company by the name of SageStream ( never heard of them and have no idea who they are ). My XXXX  report shows my credit score as  XXXX as my husband and I have always paid our accounts on time and have never overused credit. The credit report from SageStream puts my credit score at XXXX ( WHAT??? ) The reason is not enough debt experience ( false - I am XXXX years old and have owned a home, numerous financed cars, etc. ), limited history for consumer at this phone number ( have had this number for 20 years ), limited revolving accounts ( I have a XXXX XXXX, XXXX XXXX, XXXX XXXX ), total account balances ( WHAT?? - we keep our bills current and always pay more than owed if not paying off the balance completely every month ). I tried calling them and got into a loop with no answer after 20 minutes. THIS INFORMATION IS TOTALLY FALSE. I am very concerned that this will adversely affect my credit score, which I have kept exemplary for decades. I would like to file a formal complaint regarding this company and their methods of obtaining this score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX have been harassing my dad and auntie throughout the day. This company also tried to tarnish my reputation by calling the receptionist at my job and telling them that I was in trouble and someone was on their way to deliver documents for me to sign. This is embarrassing for them to go around speaking about me to my coworkers and family. They called my company on several occasions with the most recent being on XX/XX/2020. XXXX XXXX XXXX could not produce any proof that I had a debt with them. However, these harassing practices are inhuman, especially while we're dealing with a pandemic ( COVID-19 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Risecredit, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have 2 entries on my Credit report for same debt, one from Rise, and the other the collections agency XXXX XXXX they sold too, I disputed but somehow they are saying its accurate its not only 1 entry should say I owe the money either Rise, or XXXX not both. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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:
There are inquiries on my credit report that are not mine and someone has been trying to open accounts in my name. I am in the process of contacting the appropriate authorities. The following inquiries are from identity theft and not mine. Attached is a copy of my FTC affidavit. 

XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
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:
I paid an old account a couple years ago however it is still showing as active and currently in collections on my credit report. 

I have reached out via phone and email to the reporting company however I was told via phone and email that they will not make any changes. 

Fair Collections & Outsourcing , Inc . 
XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2019-03-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed a debt owed to XXXX XXXX that was sold to Midland Funding LLC. A Incorrect balance is being reported to the credit bureaus. Midland Finance responded to my dispute stating We have found that our information is correct but did not provide me with any type of validation of this debt owed. They did however provide a letter from XXXX XXXX stating that the Account was sold to Midland Funding and that I should contact Midland Funding if I have any questions about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges XXXX XXXX  assessed. We own the vehicle in full with a lien release. 

Yet XXXX XXXX  refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. XXXX also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked XXXX XXXX  to update the XXXXnformation being sent to three credit bureaus

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 2018-02-04
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: Personal information incorrect

Complaint:
My Equifax Credit File, dated XX/XX/XXXX, shows I have a previous address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX Reported : XX/XX/XXXX. This is incorrect, I have never had that as my address. 

When I try to access my Equifax data online, part of their security challenge is to ask specific questions from my data file. The questions they ask are related to the mortgage and payments for the house in XXXX, TX. Since I have no knowledge about that property, I am unable to answer their questions and the Equifax site denies me access. 

I have asked Equifax to correct this error since I believe it is an attempt at data theft and someone else is using my credit report, but Equifax has not corrected my data even though I have requested their help at least four times.

Company response to consumer: Closed with explanation