BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are not mine. Please remove these items from my report. XXXX  XXXX {$2500.00} XXXX XXXX XXXX {$580.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2018-10-04
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company contact me to collect a debt behalf to XXXX bill the balance $ XXXX.I don't own to a XXXX not a cent.They find my phone and the treat on me that you have to pay the debt and the sheriff department is on there way to arrest me if im not paying.I have hard time.

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 2020-07-06
Company: EQUIFAX, INC.
State: NC
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 previously sent three dispute letters to all three of the credit bureaus to remove all of the fraudulent accounts and some paid fraudulent accounts from my credit report, I showed them my lease verification along with addresses that I dispute with Equifax and they still have not removed these negative accounts despite the fact I showed these three credit bureaus that I've been living at XXXX XXXX XXXX XXXX North Carolina XXXX since XXXX I say that because all of these negative accounts are attached to addresses that I never lived at in XXXX North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Central Portfolio Control Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CENTRALPORTF is claiming that I owe them {$8400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018, I applied for a payday loan in the amount of {$1000.00}. On XX/XX/2018, the money was deposited into my account. On XX/XX/2018, I called Cash Net USA and told them I no longer wanted the loan and asked them to take the money back. I was told they could not take the money back and that I would still be charged a {$150.00} processing fee. I then made payments to the account to pay off the {$1000.00}. I made payments 4 payments in less than 30 days well before the amount was due. Even as I made payments, Cash Net USA continued to charge me fees a total of {$330.00}. I don't know how they came up with {$330.00} in fees. I don't owe any fees. If the amount of processing was {$150.00}, they owe me {$170.00}. I ask them to close my account, however, the account is still open. I was told that if there's no activity on the account, it closes automatically. In addition, there's an indication that a payment of {$100.00} is due on the account on XX/XX/2018.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Per the terms listed on the Bridgecrest.com website, in order to submit a request for name change, please fax a copy of your marriage license and government issued ID showing both your former and married names. 

I complied and faxed the documents and was replied via USPS that I needed a notary to verify my legal drivers license. Bridegecrest continues to report my payments and account to the credit bureaus in my maiden name which is no longer valid. 

Again, calling to ask why my name hasnt been updated, the rep claimed that my marriage license hadnt been received. I have a digital fax service which verified the pages were received. I faxed additional copies of my drivers licenses and marriage license requesting a 2nd, 3rd, and 4th time via fax and forwarding the faxes to email and they remain ignored. 

I want my legal name reflected on my loan account and it to be updated as such.

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 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18 I sent a dispute to the XXXX at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reportings on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The accounts are XXXX XXXX XXXX in the amount of {$140.00} XXXX XXXX XXXX in the amount of {$530.00} XXXX XXXX in the amount of {$0.00} XXXX in the amount of {$340.00} XXXX/XXXX XXXX XXXX in the amount of {$0.00} XXXX XXXX in the amount of {$980.00} These need to be deleted immediately for not following FCRA rules and regulations in a timely manner. These debts have never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.

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 2021-03-02
Company: Titan Receivables, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX balance $ XXXX XXXX XXXX XXXX balance {$2200.00} XXXX XXXX XXXX balance {$1900.00} XXXX XXXX XXXX XXXX balance {$13000.00} XXXX XXXX, XXXX XXXX balance {$1800.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Experian Information Solutions Inc.
State: DE
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/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. After I contacted them in XX/XX/XXXX it was then being reported as current but fell behind, even though I told them it wasn't me and I never made a payment. The account is XXXX/XXXX in the amount of {$990.00} and needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and EXPERIAN and XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.

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 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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/18 I sent a dispute to the XXXX at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. After I contacted them in XX/XX/XXXX it was then being reported as current but fell behind, even though I told them it wasn't me and I never made a payment. The account is XXXX/XXXX in the amount of {$990.00} and needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.

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 2021-09-11
Company: Blockchain.com, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Dear Sir/ Medam I am a small virtual currency investor. I have a accounts with company called Blockchain wallet. On XX/XX/2021 I was in a text message conversation from my laptop with the customer advisor from Blockchain wallet. On same time I have received a text message on my phone to upload my ID and a selfie to verify my Blockchain wallet. 

Couple of hours later I realised some of my funds has been transferred from my blockchain wallet with two unknown transactions which hasn't been done by me. 

I contact with the wallet provider unfortunately they are not helping me at all. On their response they said my wallet has been compromised. 

Later I requested them to transfer my rest of the funds to somewhere in safe. Blockchain advised me to open a new wallet. I opened a new wallet followed with all the instructions from blockchain wallet. Unfortunately I am not getting any response from them. 

My rest of the funds are locked on my blockchain wallet. 

Please help me to come out from this situation. I am sending this to you as because I received the text message from USA also there was a attempt to login my blockchain wallet account from USA. 

If you require anythings to know please contact with me. 


Kind Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen made me sign a modification loan that expired in XXXX of 2017. The deal was to pay them {$100000.00}. Of course, I do not have {$100000.00}. Ocwen has been trying to take my house for 10 years. I am exhausted from their harassment. When I first got the loan, 20 some years ago, they kept my first 6 payments. They then kept me in arrears. I did make those payments. My accountant wrote several letters stating that I did make those payments. We have proof that the payments were made. They also put me in foreclosure several years ago when they were n't supposed to. Now they have me in pre- foreclosure going into full foreclosure, because they refuse to give me a modification loan. I lived in my house for 33 years. This should n't be. I am XXXX and do not want to leave my home. I hope you can help me stay in my home. They refused to take my Mortgage payments since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Experian Information Solutions Inc.
State: DE
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/18 I sent a dispute to the Experian at XXXX  XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The account is XXXX   XXXX XXXX in the amount of {$4400.00} needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and EXPERIAN and XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.

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 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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/18 I sent a dispute to the XXXX at XXXX  XXXX XXXX Tx XXXX and Transunion at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The account is XXXX XXXX XXXX   in the amount of {$4400.00} needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.

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 2021-03-29
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 information incorrect

Complaint:
I contacted XXXX XXXX today regarding the payment I made on my credit card with them. The balance is paid in full and I owe nothing on the credit card but the payment did not reflect on my credit report. The representative I spoke with told me that it will be reported when the credit card cycles in XXXX. I mentioned to the representative I spoke with that the last activity reported was XX/XX/2021, the month of XXXX activity has not been reported. The representative proceeded to tell me to dispute it with the credit bureau. XXXX XXXX has been inconsistent in reporting my account activity to my credit report. A lender pulled my credit report and informed me that XXXX XXXX has reported my mortgage payment as not current when all my payments were current. The lender who pulled my credit report is now asking for a letter from XXXX XXXX stating that I was not late for more than 30 days for the past 12 months on my mortgage payments and XXXX XXXX is dragging its feet to provide that letter to the lender. I want XXXX XXXX to fix this ASAP. Thank you for looking into this.

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 2021-04-30
Company: AR Resources, 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: Their investigation did not fix an error on your report

Complaint:
I have been calling AR Resources for weeks to pay a debt. On hold for hours at a time, unable to leave a voice-mail. Unable to pay online, as I can not get the acct # to pay. Sent in dispute with this info, no changes or assistance. I want this off my credit. Repeated attempts with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: NV
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:
My XXXX XXXX XXXX card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to XXXX and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to XXXX and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Experian Information Solutions Inc.
State: NV
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:
My XXXX XXXX XXXX card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to XXXX and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to XXXX and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.

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 2021-03-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries

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 2021-03-02
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries

Company response to consumer: Closed with explanation