BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: Midwest Recovery Systems
State: MO
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:
Re : Acct. XXXX Midwest Recovery Systems report XX/XX/2016 {$580.00} Reporting from all credit bureaus. 

I have contacted Midwest Recovery Systems, LLC verbally since XX/XX/2016. They would not remove the acct. 
I contacted them by letter XX/XX/XXXX telling them it is a violation of the Fair Credit Reporting Act to report {$580.00} balance due to XXXX on my credit. I requested viable evidence bearing my signature that the report to be accurate. THey did not respond to my request. 

I wrote a letter to all credit bureaus disputing a false collection on my credit report XX/XX/XXXX. I requested a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. The days and times of sign in and sign out of services equaling the alleged amount claimed that I owe Midwest Recovery Systems LLC. 

They responded stating the information was verified but did not provide any documentation requested that this was an accurate report. This is a violation of the Fair Debt Collections Practices Act Section 807-8 and Defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I called XXXXXXXX XXXX for a different matter than what this complaint is about. I spoke to XXXX at XXXX. I found out that my XXXX account was written off to fraud in XXXX. XXXX stated that I did not owe this debt since they wrote it off. He told me to call Portfolio Recovery Associates and to have them remove the debt off of my credit reports that has been reporting since XX/XX/XXXX. I told him that as of two months ago I was still receiving notices to pay and that I owe them this debt. He stated that the debt is not owed. 

In XX/XX/XXXX Portfolio Recovery Associates attempted to sue me in my local court system. He said it was written off before then. As of the date of the write off to fraud, Portfolio Recovery Associates has continued to break the FDCPA and my rights under federal law. They have caused me great financial harm. I have contested this debt several times through the credit bureaus with no relief. Portfolio Recovery Associates continue to tell the credit bureaus this is a valid debt, which it is not. 

I never received a validation of debt letter. Under California law, a creditor/collection agency does not have to provide one. I never received one. Next, this was written off on XX/XX/XXXX by the original creditor. They never sold the debt to PFA. I do have the write-off letter to prove my case that this, as of XX/XX/XXXX, is an invalid debt and by PFA continuation of the collection is a fraud. I have requested a full transactional history of my account. XXXX from PRA said I would have it within 10 days. I have not received that, but I did get a letter dated XX/XX/XXXX asking for fraud information. If they bought this debt from XXXX XXXX why have they not done their due diligence to get to the bottom of it. They are violating my rights under the FDCPA. They are literally breaking the law by collecting on a debt that is no longer valid for the sake of trying to collect on the debt. The letter from XXXXXXXX XXXX  will be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I have disputed my credit acceptance account multiple times, experian has not completed my request at all. This vehicle is not my vehicle and is not on XXXX & XXXX just experian. I need this account removed. It's an truck and need it removed.

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 2020-05-12
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:
I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPT OF ED/XXXX  XXXX {$19000.00}

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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPT OF ED/XXXX  XXXX {$19000.00}

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 2021-02-09
Company: MidAmerica Mortgage Inc
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am having continuous problems with MidAmerica Mortgage Co, for over a year. I have made my payments, even paying extra, on the mortgage payment, and this company has not given me credit for almost a years worth of payments. Since XX/XX/2020, they still have not updated my account, and have me delinquent on my payments, which I am not. This is the 2nd time I have filed a complaint with the Consumer Finance branch. I have tried to communicate with this company, and all I get is, " we're taking care of it, '' but still they have not followed thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
{$54.00} XXXX ordered 8 cans of XXXX. They claim it was delivered on XXXX XXXX. I never received it. PayPal denied my purchase protection because the merchant says they delivered. My post office reviewed the tracking and tell me it's not valid. I click on tracking box and it goes to PayPal saying oops or something wrong. The post office say they get a lot of scam tracking as it comes from XXXX. PayPal is supporting this scam. Also XXXX is not providing any cans so how are they able to send me 8 cans. They are preying on our desire to fight covid-19 and take the money without sending the product. This is a crime. 
I just noticed PayPal changed their denial of refund and putting {$54.00} in my account. This proves something is not right. I told them I would be reporting them to you. This may have forced they decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: Atlanticus Services Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
During the initial COVID-19 shutdown I asked for deferred payments which was granted but interest charges continued to accrue. I dont have dates for the initial call, however the company continued to charge interest and moreover did not accept certain payments as eligible due to the date received because they were between the prior and next billing cycles. Can provide bills and correspondence for this situation. 

Monday XX/XX/2021 : Received email threatening fees that were not previously agreed to and reporting to credit bureaus. Current balance on the card in question was XXXX. 

Tuesday XX/XX/2021 : Called customer service line XXXX Customer service escalated situation to the same employee and attempted to change names. Customer service asked for personal information while also admitting they were working for a third party. Customer service refuses to provide a copy of contract between me and company. Claims that phone call was being monitored but could not be provided to consumer under any circumstances. Company refused to allow consumer to also record phone calls. Customer service said they were in XXXX. 

The credit card itself appears to be legitimate but the company is predatory and refuses to offer the customer any information other than claiming that there is an agreement of which they will not provide any evidence. It is impossible to speak to anybody in the company other than third party customer service representatives. These representatives blatantly lie, are hostile towards consumers, and will redirect any inquiries to dead ends.

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 2020-09-01
Company: EQUIFAX, INC.
State: NC
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:
Im in the process of working on my American Dream. I notice some fraudulent inquiries on my CREDIT report. I sent out multiple disputes. I haven't received nothing back its been over three months. 

XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX 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 XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX MORTGAGE SOLUT- XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX EQUIFAX MORTGAGE - XX/XX/XXXX Equifax : XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've been using a credit card from Bank of America Travel Rewards Visa for the past year or so. There was an intro period with zero interest as is common. I used the payment feature provided on the BoA website to schedule a recurring payment. I chose the option to pay " Amount Due '' by due date. There was also a " Minimum Amount Due '' option. I deliberately did not choose this option since I did not wish to incur any interest charges. I did wish to make use of the intro period. So I left a balance on the card assuming the right amount would get deducted from my card once the intro period expired. But the bank kept deducting the minimum amount of {$25.00}. And charged me an interest of {$30.00} on a bill issued XX/XX/XXXX. I called them within 3 business days on XX/XX/XXXX to ask what's going on. Apparently " Amount Due '' is same as " Minimum Amount Due ''. Which seems deliberately designed to mislead customers into missing payments. And then exact interest. I requested them to waive the charges since it was my first time. They wouldn't do it. I consider this a form of fraud. Perpetrated by Bank of America against it's customers.

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 2022-10-04
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: Information belongs to someone else

Complaint:
Basically I put a fraud statement on my reports but XXXX obviously extended credit to someone and opened an account for them. I have repeatedly disputed it with the credit reporting agencies but they keep removing the account then turn around trying to say the account was verified. With no proof of anything actually given to me. They say they investigated but don't tell me how it was verified or acknowledge my fraud alert. Keeping my credit score low.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Credit Card Receivables Fund Incorporated
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
UNIFUND DEBT COLLECTION AGENCY SOLD AN ACCOUNT IN YEAR XX/XX/2006 BELONGING TO THE WRONG MAN! A XXXX XXXX XXXX XXXX BANK ACCOUNT!!! THAT WAS NEVER MINE XXXX XXXX. XXXX!! TO A DEBT COLLECTION ATTORNEY BY THE NAME OF A XXXX XXXX XXXX IN XXXX PA!! I AM REQUESTING A LETTER ASAP FROM UNIFUND STATING THEY SOLD THIS ACCOUNT BECAUSE OF THEIR HUGE GINORMOUS ERROR!! I PAID A STEEP HEFTY PRICE OF NEAR {$19000.00}!!! BECAUSE OF THEIR PURE NEGLIGENCE AND CARELESSNESS!! SELLING OF DEBT ACCOUNTS ON A SPREAD SHEET OF NAME SIMILARITIES AND VARIENCES! I HAVE NEVER HAD ANY CREDIT CARD ACCOUNTS IN MY NAME SOLD TO ANY DEBT COLLECTION AGENCIES EVER IN MY LIFE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: PA
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:
After reviewing my credit report I have noticed some unauthorized inquiries that have been placed on my file. I communicated the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions identity Theft Affidavit. I am looking to get an home for my son and I. Im not sure who would use my identity to try to open accounts I would appreciate you guys so much with the help of removing these unauthorized inquiries off my credit report. I am excited for the milestone and I would love to be settled within the upcoming months in my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: TN
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 just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 


Creditor Name : XXXX  Date of Inquiry : XX/XX/2022 Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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 have found accounts that I did not inquire about listed on my credit report and would like them removed. This is fraud activity and I will not condone this further. I am not sure how else to tackle this aside from getting a lawyer but I would like these false reports removed immediately!

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 2020-08-27
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:
I have found accounts that I did not inquire about listed on my credit report and would like them removed. This is fraud activity and I will not condone this further. I am not sure how else to tackle this aside from getting a lawyer but I would like these false reports removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: WI
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 reviewed my credit report and noticed inaccurate addresses on my reports.

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 2022-09-26
Company: Uplift, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XXXX XXXX we cancelled a cruise financed by Uplift. The account has been been paid in full for months. I notified them that the bank account used was closed on XX/XX/2022. I requested that they update my account so my refund would in fact go back to me. They refused and stated that it would be refunded back to the card that was used. This card was deactivated on XX/XX/2022 when my account was closed. Uplift is showing that the refund was successful, however the bank stated that the arn numbers given by uplift to track refund were not legit numbers. The bank has no record since the account was closed. Uplift informed me to send documents showing that the account was closed from my bank. I provided this and was sent an email stating that they could not use this documentation as proof although thats what was requested. They informed me I had to wait until the bank sent it back to Uplift. XXXX XXXX has no record of the refund being sent back even with the arn numbers provided. There is no phone number to call to speak to someone and they just chat the same thing. Now I was informed by uplift it could take 45 days for them to get the refund back from the bank. This company refuses to refund me my XXXX they owe me. It is a KNOWN fact that this is an issue with this company. Its all over their reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax I'm not sure what kind of company this is the customer service representative barely speak the English language I tried too access my credit report they would not verify me my SSN XXXX dob XXXX till this day this poor excuse for a company will not verify me after sending my SSN driver license and electric bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing about a late payment reported on XX/XX/2019 on the following account with BANK OF AMERICA : Account number : XXXX Opened date : XX/XX/2019, credit limit : {$500.00} The reason why the account was late was because a third-party company was supposed to make the payment. Later, I realized that the account was reported late so I contacted them. They explained that the payment was not processed as normal, and they apologized. Of course that it did not solve the issue. I am now being reported as late. 

I was not aware of this late payment. This was not a money issue or even worst, that I did not want to process my payment on time. 

Please feel free to contact me. I need to solve this issue 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 non-monetary relief
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: MI
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:
This is the third complaint this month with Equifax reporting bogus information. XX/XX/2020 I received a credit alert regarding my XXXX XXXX account having been closed with Equifax only. Attached is the alert. My XXXX account information and the fact that I paid my car payment yesterday and the lease is only half finished. My XXXX account is absolutely open. This is blatant and fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: NC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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