BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-16
Company: LEXISNEXIS
State: GA
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 been checking my credit and I found a public record and some inquiries that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: OneMain Finance Corporation
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:
Good afternoon, On XX/XX/XXXX I sent a letter to One Main financial explaining to them what laws they went against when it comes to my consumer report. It is nowXX/XX/XXXXwhich is way over the 30 day mark and I still have not heard anything back from One main financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Illegally holding my funds for 180 days ( 6 months ). Total amount is $ XXXX. Contacted multiple times and never got a resolution/response. 
Ref. ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted on XX/XX/XXXX concerning a debt from XXXX XXXX XXXX , XXXX from Portfolio Recovery Assoc. LLC. XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX I contacted them today to get more information on this debt. They state the debt was originally for a credit card obtained in XX/XX/XXXX with a balance of {$2000.00}. They stated they have spoken with me on several occasions and was told not to contact me again. They have ignored that and called me again on XX/XX/XXXX. When I spoke to someone at that time and also again today I requested an original contract with my signature on it. I also requested their surety bond number for the state of XXXX that proves they can collect a debt. I told them the statue of limitations is 4 years in the state of XXXX. I am being harassed for a debt from XX/XX/XXXX with no proof that it's mine. I was told that they will open a dispute for me and I answered I will dispute as well. I was told this will be reported on my credit file, why? This debt is from XX/XX/XXXX and no proof has been provided that it's my debt. They are violating the fair credit reporting act as well as my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: Allied Collection Services, Inc. (Nevada)
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I checked my credit and Allied Collection service has place a.collection on my credit for {$250.00} They show the account open 3 months ago. I never had any communication with them. I sent them a debt validation letter ( certified mail ) over 30days ago and still haven't received anything I do not owe 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 explanation
Consumer complaint received 2019-01-25
Company: CREDIT ACCEPTANCE CORPORATION
State: WA
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 made all my truck payment on time since XX/XX/2017. That's when I took out the Loan never Missed I payment till XXXX. I had a death in the Family and could not make the Payment by the due date. I contacted credit acceptance and told the money was not in my checking account for the XXXX XXXX payment. The payment was due on the XX/XX/XXXX but since I had auto payment the payment was moved to the XX/XX/XXXX. I made a double payment on the XX/XX/XXXX, Then on the XX/XX/XXXXcredit acceptance took out of my checking account another Payment for XXXX which is the XXXX payment so if they take the auto payment out on the XX/XX/XXXX of Month for the last 17 Months why would my payment be 30 Days Late if I made the payment on XX/XX/XXXX That is 30 days and they can not call it late till the XX/XX/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 2019-08-28
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I FAXED THIS COMPANY A CEASE AND DESIST LETTER AND THET STILL CONTCT ME ON MY CELL PHONE XXXX XXXX AND MY WIFE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Dear Experian, I wrote a letter to you dated for XX/XX/XXXX. This is not acceptable and I need a resolution immediately because its been 4 1/2 months since my complaint and you have not responded to me. I need you to remove information under my personal information that does not belong to me. 

Please delete the in correct addresses listed below : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Delete the incorrect name of : XXXX XXXX XXXX I challenge the accuracy, compliance and reportability of the listing below ; XXXX XXXX XXXX ; Please investigate every piece of information is correct, If not ; please remove the whole account from my credit report. 

I trust that Experian will make sure only accurate information is maintain under my credit file. Lastly, once this investigation is complete. Please send me an updated credit report to : XXXX XXXX XXXX XXXX XXXX, CA XXXX Kind Regards, XXXX XXXX XXXX NOTE : In my original written request I submitted a copy of my photo ID.

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 2021-10-09
Company: ERC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 
ERC-XXXX-Balance {$600.00} ENHANCED RECOVERY CO L-XXXX-Balance {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Experian Information Solutions Inc.
State: AZ
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 item XXXX reporting on my credit is not accurate. This company has re-aged the item. They are currently reporting it as if it were a NEW collection on my credit report. 

A report from XX/XX/XXXX reported that the item charged off on XX/XX/XXXX. Attached is print screen of my online report showing the charge off occurred on XX/XX/XXXX. 

My current report dated XX/XX/XXXX reports the item as Charged-Off XX/XX/XXXX appearing as a NEW collection ; and this is not a NEW collection. My scores dropped as a result of this retaliatory reporting. See attached print screen of my online report. 

Please remove this inaccurate item XXXX from my credit report as it is clear that they have re-aged this item. Re-aging a debt is a violation of the FCRA. 

Furthermore, based on their failure to report accurate information I have no reason to believe that this listing is accurate at all or has ever reported correctly. 

This inaccurate reporting hinders my ability to obtain financing for a home and also hinders my employment opportunities ; this retaliatory reporting has directly lowered my Fico score.

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 2021-08-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been complaining about Navient for a long time and had given up. I tried to get my brother off as a co-signer as he had XXXX and wanted to get this off his credit for his finances. I have been paying the loans. I paid on time for over a year and denied again. I have decided after that Navient is a disgrace. Then I did not get a raise last year because I can not make anymore money in my role at work. I can not make more than {$60000.00} a year. I spent all of Covid taking care of my ill mother who is XXXX. Its been an economic struggle. My Navient loan never goes down, and I can not refinance them. This company is disgusting and now I started paying 10-15 days late because I am so disgusted. Why didnt they take the co-signer off? Theres always an excuse. Why cant they lower the interest rate? What an outrage and trampling of human beings. Im XXXX years old paying for my sons education. I have paid for my sons private education since kindergarten it is my greatest and most proud gesture as a mom. My ex husband never paid a XXXX. I feel that Navient is wrong with co-signer relief, with interest rates and most importantly the loans never go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XX/XX/XXXX : applied for home equity line of credit on line. At the end of the process I was prompted with the following message : " This message confirms that we have successfully received your application. Your Loan application information is provided below. Your application will be assigned to a lending representative within the next 24 hours. If you have further questions regarding the status of your application, please call XXXX and mention the below loan application ID number. We value your relationship and thank you for choosing Citibank for your credit needs. ". 

XX/XX/XXXX : Since no one contacted me, I called Citibank to follow up. I called the XXXX at XXXX XXXX and spoke with a representative who after providing her with my SSN, stated she couldn't find my application data that I submitted on line. I stated my concerns about : a- Protecting my private financial information I included in the on-line application. And : b- The impossibility of refiling on line again since I already used my email on the application she couldn't file. And : c- The possibility of a conflict which may occur if I filed over the phone or in person, with the now missing on line application data, which may cause future delays to the processing of my loan application. 
The conversation ended at XXXX XXXX, and the representative stated she will check with others and call me back. 
Since I didn't hear back from Citibank, I called again for follow up. I spoke to about 6 representatives who kept switching me around as if I was punished for asking where my information is. The shuttling around lasted from XXXX XXXX to XXXX XXXX - all conversation recorded by my security camera. The last person said she couldn't hear me! I spoke with about 6-7 persons from Citibank some were able to hear other claimed they couldn't, and I used the same phone in all calls I made.

My complaint is about not being able to apply for credit ( home equity credit line ) to an equal opportunity lender bank. I do recall the same harassing treatment from Citibank when I applied for my home mortgage in XX/XX/XXXX, and that I was only able to proceed, after complaining NYS banking department and to Citibank managers. As I wait your response, I intend on calling Citibank tomorrow and again try to reach a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Phoenix Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical debt. Whenever I ask for information about the debt I am not provided/ or the " debt '' is shuffled to another collection agency. I have no idea what this is about nor have I received any info that correlates to this company or this amount. Of course this " company '' has no way to be contacted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XX/XX/2018 2018

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 2020-06-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made mortgage and escrow XXXX property tax XXXX payment to Select Portfolio Servicing since XXXX, XXXX. SPS never made the property tax payment on my behalf. In XX/XX/XXXX, they said that they would start investigation after I called them couple times. On XX/XX/XXXX, they sent the letter stating a refund check for the amount of {$11000.00} was mailed out on XX/XX/XXXX because they never made the payment to the county. Since then, I have made at least 5 phone calls asking the status of the check that I never received. Every time, they gave me a runaround. As of today, XX/XX/XXXX, I still didnt receive the check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Diverse Funding Associates LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX representative " XXXX XXXX '' has called me at work on multiple occasions. If I am not working on a specific day she will contact my workplace everyday until she reaches me. The collection agency also has my personal number for which I have cooperated with them and attempted to set up a repayment plan to resolve my debt. I have asked that they do not call my work after setting up the repayment plan and XXXX XXXX agreed that she would remove my number. This is a matter that my colleagues at work should not need to hear discussed as it is embarrassing. After submitting my verbal request XXXX XXXX continues to call my workplace stating she hasn't been able to get in touch with me by phone. I always return her calls because I feel the need to remain complaint with my current arrangement however money is tight and I missed a payment for which has resulted in the collection agency calling my workplace in addition to my personal number.

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 monetary relief
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX is XXXX to XXXX that this account is missing payments when this account is closed and paid in full. XXXX XXXX is repeatedly reporting fraudulent report and XXXX XXXX is fraudulent reporting the. This is repeatedly a problem.

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 2017-12-07
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX 2015 I was evicted from my apartment. All my personal belongings including identification we 're padlock inside and later thrown out. When checking my yearly free credit report there were fraudulent accounts in my name. When contacting the credit companies some did n't hesitate to close and remove the accounts from my credit. XXXX/XXXX XXXX agent could n't careless and used the number I called to harass me for payments. The other two accounts were with XXXX/XXXX and XXXX XXXX XXXX which has now sold the account to XXXX XXXX. XXXX and XXXX has removed the fraudulent accounts but XXXX  continues to report the fraud accounts even after multiple dispute submitted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: CA
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 fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days

, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications w
ith XXXX XXXX, Equifax, and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recieved notice from XXXX XXXX that there was an attempt to open a credit card using my personal information. There is now a hard inquiry on my Transunion report. The bank was XXXX XXXX XXXX FL 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