BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received notification from XXXX XXXX on XX/XX/XXXX that a collection account was posted to my credit report. Credit report indicates collection account from Portfolio Recovery Associates. Never received any notification by mail of this account or this action. Had no opportunity to verify or dispute alleged debt. Repeated harassing calls from rotating numbers several times a day for months no messages ever received. Research on my part indicate the numbers are Portfolio Recovery Associates. Still unclear where debt originated or what the account is. Portfolio Recovery Associates reported to credit bureaus age of debt is reported as 4 years 10 months showing was opened in XX/XX/XXXX. We had filed bankruptcy XX/XX/XXXX. I believe from research we can not be sued but it shows up as a collection account. Under Texas Debt collection act it is past statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: Linebarger Goggan Blair & Sampson LLP
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A Demand letter came in the mail for {$160.00} on Tolls that coast {$2.00} each way through a tunnel. I Never received a bill so that i could pay the Toll, they sent it to a Lawfirm called Linebarger Goggan Blair & Sampson, LLP in TX. I called the Lawfirm, they told me if i never received my bills it isn't there problem and it doesn't matter I just have to pay the balance owed. There was no proof or bill of my car & it's license plate Number or picture isn't on demand. Only an Account number they gave me on their demand letter which never stated that my debt was going to Accumulate over {$100.00} in Over a month. Keep in mind that i received my bill at the beginning of XX/XX/XXXX and the bill was mailed out XX/XX/XXXX. So from the day the bill was mailed it was adding more to my bill that I was never made aware of until it was to late. As someone who is struggling to put food on the table and gas how do they ever expect some one to pay this. I would have rather paid the {$2.00}. This has been an ongoing problem for the XXXX XXXX XXXX in downtown XXXX, scamming people out of hundreds and thousands of dollars. XXXX XXXX is that i was never given proper notice of a small simple bill & now this is on my credit tarnishing it over a {$2.00} Toll.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX of this XX/XX/2019 I received a letter by mail. For a reduced payoff in the amount of {$670.00}. I had agreed to the payoff settlement. But after checking online through XXXX. XXXX XXXX  a partner of Navient had closed and transfer the accounts to XXXX. I would get and received calls threatening me with wage garnishment and taking my taxes. I can't believe I got scam again and they took the money out from my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Burueaus and the bank 's records ( learned through more research both parties require ). Please remove these files as they were the results of Identit Theft : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these information belong to me I will require all documentation that bears my signature ( another research item I found that requires the Credit Bureaus to verify with 100 % accuracy that each itms is 100 % true, accurate, correct, complete & VERIFIABLE ). If the Credit Reporting Agencies do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please remove XXXX XXXX  from my account for Violations and Inaccurate Inaccurate of open day Inaccurate of payment history Inaccurate balance This is a Violation

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 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent dispute letters to Transunion on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX certified mail. I have not heard from them. I have not received any of the documents I have requested to verify the information that is on my credit report. There are a number of inaccuracies that are on there. The same dispute letter was sent to XXXX  and all accounts that were disputed were 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 non-monetary relief
Consumer complaint received 2019-04-06
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX Selene Finance was billed for my home owners Insurance for {$1500.00} my escrow for tax and Homeowners Ins. account balance was {$2100.00} Selene payed {$1000.00}. In XXXX and XXXX Selene payed the full amount .Selene never contacted anyone. Thats why selene never received a proof of coverage selene neglected to pay the full amount. I contacted XXXX XXXX customer service phone # ( XXXX ) XXXX. XXXX XXXX sent me a letter, Insurance was Cancelled for lack of payment. I also called my insurance agent stated they were never contacted and the insurance limits were up to date, amount {$150000.00}. Selene put me on force placed Insurance XX/XX/XXXX at {$220.00} a month. My mortgage cost went from {$550.00} to {$710.00}. Hurricane Irma did damage to my home I still don '' t have air conditioning and 2 damage windows and roof leak which made a mess of back bedroom. I have tried to talk to Selene with no help. Then I started to get letters from Selene that my Homeowners had cancelled XX/XX/XXXX and I was getting force placed Insurance for loan amount XXXX would cost {$110.00} monthly. I was unable to get my own Insurance because of repairs which needed repaired. I was curious if Florida statue 501. 137 would help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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: Information belongs to someone else

Complaint:
I just received a copy of my credit report and I noticed these hard inquiries are fraudulent. Soonest I finished reading my report I went to my Equifax account and lock my credit report to avoid these things from happening again. 

XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Transunion should not be reporting a collection on the XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit 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 2022-08-11
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this complaint to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureuas are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX DE XXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX 2017

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 2019-04-06
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/ 2018 i went to Best Buy with the intention to buy a new computer and apply for the credit card that best buy offer throgh City bank. Best buy offer this credit card for people with good credit and cero anual fee. I applied because i have excellent credit fico at over 800 and history over 15 year without missing a single payment. So my credit is good, that is what i thought! My application was denied and employee call the bank to find out. Because he got a code saying that he needs to call them. When he call the bank, the bank asked to speak with me. The bank told me that they can not approved my application for that specific card but they have a better offer for me with a better card with rewards but have a anual fee. I told them that i do not want a credit card with anual fee, but want that i have applied for. The bank said he can not offer that one but insisted to get the better one with anual fee. So the bank ask me if i declined to take the card with anual fee, and said yes. I left best buy without a credit card and with a hard inquired in my credit. They told me that i will received a letter in the mail why i was denied credit and disputed with credit bureau. I called XXXX and they told me that they dont approved or denied credit, they only sent my info to the bank and they made the decision. So i called the bank and ask for explanation but i was told they dont have that i formation and i need to contact the credit bureau. So at the end i could not get information why Citi bank denied me the credit card that i applied for but instead offer me as they said a better one with rewards but has a anual fee.

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 2019-04-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I disputed a report on XXXX a XXXX XXXX XXXX account it was deleted after 30 days under the FCRA and WV Law then a few weeks ago I pulled my XXXX  report and that report was illegally reinserted back on my XXXX  report this report is totally inaccurate and it should have never been reinserted after 30 days and its removed its supposed to never be put back on my XXXX  report the bank had 30 days thats the law they didnt verify it it was removed and should have never been put back on file if this report isnt permanently removed immediately I plan to initiate a lawsuit against XXXX that report made me have a XXXX XXXX under dr care now causing me XXXX XXXX XXXX XXXX and XXXX I want it removed immediately or I am proceeding with a civil lawsuit in US District Court against XXXX also XXXX  didnt tell me how it was supposedly verified they put in a letter a XXXX XXXX XXXX with a XXXX XXXX XXXX address as the verification I never been to Cali so how is someone in California verifying a XXXX XXXX I want this 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 2018-03-24
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX  AND XXXX XXXX TRYING TO CHARGE EXCESSIVE FEES ENCLOSED ARE DOCUMENTATION THAT WAY OVER THE AVG COST FOR CLOSING WITH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Ocwen Financial Corporation
State: NY
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:
On XX/XX/XXXX I made my mortgage payment on line to Ocwen. I always make my payments at the end of the month before XXXX XXXX. Ocwen assured me that as long as the payment is made within the month it is not considered late. 

My payment was made on line XX/XX/XXXX a little after XXXX XXXX. ( on time ) Upon checking my credit report in XX/XX/XXXX, I noticed that Ocwen reported that I was late on my mortgage payment for XX/XX/XXXX. Ocwen reported that I made the payment on XX/XX/XXXX. I immediately called Ocwen to address the issue in XX/XX/XXXX and the representative looked up the payment information and  admitted that the error was made by Ocwen and that they would correct my credit report to reflect the actual date that I went on line to make my payment. The representative told me that I should check my creidt report after 30 days and I would see the correction. 

Thirty days later I checked my report and the 30 day late was still there. I called Ocwen and inquired about the late payment and told the representative that I spoke to another rep. who assured me that the inaccurate information would be removed. She was very nasty to me and said they can not remove the information because the payment posted on XX/XX/XXXX and there was nothing I could do and that I should have received a letter in the mail. I insisted that I spoke to another Rep who told me something totally different. Then she tells me my payment was made after XXXX XXXX and that why it posted the next day. However, I told her to check my history to see that I make all my payments the last day of the month just before midnight and I always get credit for that same day not the post date. She asked me " What if I check your payment history and we decide to go back and change all your payments to late ''? She was really rude! After we kept going back and forth she told me that the credit bureau would not allow Ocwen to change the late payment. She kept giving me different excuses. 

I am very particular about making my payments on time. As you can see from my attached documentation, I have not been late on my mortgage payments for the past years and I am quite disturbed that Ocwen does not valueme as a loyal customer by putting incorrect and negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Credit Protection Association, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After checking my credit scores, i discovered a derogatory mark on my credit from XXXX XXXX XXXX as the original creditor. The date of the mark in question is from XX/XX/2014 ( 4 yrs, 11 mos ). The mark in question was placed for collections to CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX which after digging around online, I found that this collection agency not only has some questionable history, but is also based out of Texas. According to certain laws if the debt collector does not have the proper license to collect from certain states, then it is blatant fraud. I WANT! This derogatory mark REMOVED FROM MY CREDIT HISTORY AS I NEVER SIGNED UP FOR XXXX XXXX XXXX Because at the time where i was living XXXX XXXX WAS NOT AVAILABLE IN MY AREA FOR SERVICE. I deemed this derogatory mark as fraudulent and has damaged my credit history. 

Sincerely : XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
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:
XXXX did not provide adequate verification for the debt question. No documents were provided showing a contract, signature or my correct personal information.

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 2019-04-06
Company: ALLY FINANCIAL INC.
State: IL
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:
On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed 5 hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : XXXX XXXX XXXX, Ally Finan  I, XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
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 and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation