BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented from XXXX XXXX XXXX  in 2016. I fulfilled a year lease and stayed 6 days in XXXX the following year before moving for a job. I was {$300.00} short on the rent which is a valid charge but I received a letter from XXXX stating I owe just shy of XXXX. I called them to get details and they had a long list of things like baseboard replacement, door replacement, hardwood replacement, 34 holes in the wall. My girlfriend and I took VERY good care of the apartment. There were scratches on the floor where my dogs cage was but other than that we were some of there best tenants. I had meeting with property and they thanked us for being so great and things seemed good. Few years later we get a false debt bill and are being harassed to pay. Also when we requested pictures of the damage from the apartment complex and XXXX neither could provide.

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 2019-10-21
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:
I have reported to all 3 credit credit bureaus that I am a victim of identity theft. They refuse to remove fraudulent accounts from my credit profiles. I have never had a XXXX account, I have never lived at XXXX XXXX apartments nor have I ever applied for a student loan. These accounts need to be removed immediately. 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2021-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
This collection agency is reporting to all three bureaus ( XXXX XXXX  and XXXX  ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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: Personal information incorrect

Complaint:
I HAVE NOTIFIED ALL THE CREDIT BUREAUS OF THE INCORRECT INFORMATION THEY HAVE BEEN FURNISHING ON MY CONSUMER REPORT. I DID NOT GIVE THEM CONSENT TO HAVE MY PERSONAL INFORMATION FIRST OF ALL. AS A RESULT OF INCORRECT INFORMATION THE CREDIT BUREAUS HAVE BEEN FURNISHING ON MY CONSUMER REPORT IT HAS CAUSED MY CHARACTER TO BE DEFAMED, MENTAL ANGUISH AND FINANCIAL HARDSHIP. 

I HAVE SENT THEM A CEASE AND DESIST AND YET DERROGATORY AND INACCURATE INFORMATION IS STILL BEING FURNISHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX I bought a house through XXXX XXXX company. I lived in the house until I sold it on XX/XX/XXXX for the full amount of the mortgage owed. I did not profit from the sale of the house nor did I owe anything on the house after it was sold. I made my mortgage payments on time so there was nothing delinquent as far as the payments were concerned. Recently while attempting to clean up my credit, I noticed that the NOW closed company of XXXX XXXX was bought out by XXXX XXXX  and it appears on my Transunion account even though the XXXX account appears on all of my credit reports. 
I have faxed a letter plus a copy of all my credit reports to XXXX on XX/XX/XXXX and XX/XX/XXXX. I spent over an hour and a half on XX/XX/XXXX on the phone with " research representative - # XXXX '' and he was not able to give me an answer as to why, even though the account was closed and in good standing their company appears on my credit report. 
I am attempting to work on and clean up my credit report and I feel as though since it has been over 10 years since this was first reported, that I would like the accounts removed ( XXXX and 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 2021-06-22
Company: ALLY FINANCIAL INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 my wife and I looked on XXXX to search for the best rate on a jumbo loan refi. We both have excellent credit scores and the XXXX on our proposed loan is about 50 %. 

As per the attachments, Ally Bank CorpXXXX listed a jumbo loan offering on XXXX with an APR of 2.577 % for our loan and a monthly P & I payment of {$2300.00} per month, assuming a credit score above XXXX. Based on this information, we spent over an hour filling out Ally 's application. 

We then received a Loan Estimate with an APR of 4.147 % and a monthly payment of {$2800.00}. Page 5 of the LE cites " New Information unknown at time of original LE '' as the reason for the change. This is false as our credit scores and loan values are even higher than listed. 

This is a blatant example of " bait and switch '' by the lender and they should be sanctioned for it. I am certain that I am not the only borrower who has wasted their time filling out a loan application with Ally, only to have a dramatic increase in the APR at the end of the process.

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 2018-03-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was trying to obtain funding to start a business, and the potential creditor required that I sign up for XXXX. The funding process was going to take much longer than anticipated, and the credit monitoring free trial ran out. I suffered an accident that will prevent me from pursuing the business for some time, and I gave been unable to cancel the credit monitoring service. Every time I call, the wait time is in excess of 2 hours, and something always happens that forces me to hang up before talking to someone. I have been in the hospital for 2 weeks, and don't have the luxury to wait on the phone for two hours to talk to a rep.

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 2020-05-07
Company: TRANSUNION INTERMEDIATE 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:
XXXX  drop my score 75 points for no reason after starting a reed investigation for no reason. TransUnion continues to post the web bank account on my report as XXXX  has.

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 2018-03-27
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I experienced a major illness in XX/XX/2017 that required medical transport between hospitals. I had multiple bills come at once for payment. I was making payments for as much as possible to XXXX XXXX and XXXX XXXX XXXX when on XX/XX/XXXX I received a letter from Professional Collections of Maryland - XXXX XXXX XXXX XXXX XXXX, Co XXXX, number XXXX, listing creditor as XXXX, XXXX XXXX XXXX XXXX, Account XXXX. I immediately wrote a check for the full balance, mailed it to the debt collection company address above written to XXXX as that was listed as creditor. That check cleared in XX/XX/2017 and I have the check. The credit company says the ambulance company has it but has not communicated with them- the ambulance company says their billing is off -shore and they can't check to see if it has been paid. We keep getting letters and phone calls- harassing us- saying '' I will put you on hold if you don't .... '' saying we still owe the debt. We feel we are being bullied and harrassed for double payment.The debt collection company is where we sent the check that was cashed- but they state we have not paid it. The check was written to XXXX because on the bill from the debt collector that was listed as creditor on the letter they sent. We have called both companies and mailed a copy of the cancelled check to the collections company. We paid the bill on the first letter we got from the collection agency- we have the canceled check but they will not list it as paid and stop the calls and letters. We paid the entire amount on the first notice. I have copies of the canceled check but do not want to upload to the web site but can produce it when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me multiple times a day, at all hours, including early in the morning and late at night, for several days in a row. All these phone calls occurred without written notification of debt or debt collection. When I answered one of the calls I was harassed and bullied by the person on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a account in collects stating I owe money for a hospital visit at XXXX XXXX XXXX XXXX for a total of {$100.00} with sequoia financial services. I have never been with or used this office. I have contacted Sequoia via phone on several occasions each time they were not able to find any info when i gave my name XXXX XXXX and social security however it remains on my report. I finally was able to speak to a supervisor on XX/XX/2019, XXXX XXXX, he instructed me to email all the info, a copy of the information on my credit report, which i did, i have since not been unable to speak to him and no one else can help me.

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 2018-10-04
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I called in to Citi bank credit card customer service. I wanted to inquire about doing a credit line increase on my credit card. I ask specifically if I wanted to do this first if there was a hard inquire or soft. I was told it would be a soft inquire. 2nd I asked if this is something that I need to call in to have done or can I do online. I was told on line or calling in. I choose to go online and it told me that there would be no hard inquire pulled I went ahead and input my information and then I was told on the next screen that I would be notified of the decision. I later that day received an email saying it was approved. Now today XX/XX/XXXX I am getting alert stating that my XXXX  credit report was hit with a hard inquire from CB. I called to asked about this and was passed from person to person and then told that the inquire must have been a mistake and it would be stuck on my 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 2021-09-08
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i recently sent a letter to the I.C. SYSTEM, INC and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.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 2021-09-08
Company: LJ Ross Associates
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: Old information reappears or never goes away

Complaint:
I created an account to monitor my credit and see a collection from LJ ROSS still reporting, which has dropped my scores significantly. I addressed this collection with the understanding it was going to be deleted from the credit bureaus, which I see it was not. My frustration with this collection is that I was never advised I had the ability to dispute the collection. Due to this, I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any notifications of this option. I would like this collection removed from my credit due to erroneous collection practices. 



Thank you, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was made aware of a total of six accounts & some inquiries reflecting negatively on my credit report on XX/XX/20 when I was denied from getting an auto loan. The accounts do not belong to me and I have never given anyone permission to open these accounts in my name. I have no idea who opened these accounts without my permission but I did not benefit anything from them such as money, goods, services, or any other benefit nor did I ever make any payments towards these accounts. I do not have any written/verbal contract with any of the companies I listed nor did I ever give them permission to access my credit history or personal information. I have filed a police report regarding these unauthorized accounts.

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 2021-02-13
Company: EQUIFAX, 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:
in XXXX of XXXX i took out a loan with XXXX  to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX  XXXX. in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now XXXX  has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and XXXX but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXX XXXX  owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX after I turned XXXX, I discovered that someone has been using my identity to create accounts and I have collections and inquiries on my reports. I have reached out to all 3 companies and provided all of the documentation that they requested and it has been over 30 days and they have not removed any of the information. There was however a security lock placed on my account asking to call a number first before extending credit and the number is not mine so whoever stole my identity is still using it. I need these credit companies to clear my record and stop reporting false information.

They have done nothing but help the actual fraudster yet I've submitted my social security car, my birth certificate, my police reports, pieces of mail, and my ID. I do not know what to do and they are of no help to me and I do not want to start my life in the hole because companies decide to report on me w/o verifying anything. There's a XXXX  XXXX  account and 3 car collections and 33 inquiries, I wasnt old enough to do any of this. 

I need this remedied immediately. What can I do? Can I sue the credit companies?

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 2018-03-24
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of id theft and my personal information was compromised in the XXXX  data breach. This bureau received my identity theft report on XX/XX/2018, along with the list of items that were linked to the fraud. 
As per the FCRA they are required to block all fraudulent information within 3 days of receipt of dispute. This was not done, the fraudulent items still plague my credit report. The company has violated my rights under the FCRA as a victim of ID theft. 


Enclosed Copy of disputes received by bureaus Copy of ID theft 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 non-monetary relief