BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Was sued by Portfolio Recovery Associates for a credit card debt that I did not accrue as I was XXXX during the dates the account was in collections. All attempts to explain that to them were ignored and they proceeded with the case. The case was dismissed as Portfolio 's attorneys no-showed mediation. 

Now, three years later, they're suing me again, for the same exact account they've already lost in court over. The account, they allege, was opened in XXXX of XXXX. The statute of limitations is six years here in Wisconsin. The last payment on this account before my XXXX, was in XXXX. So, the account is now past the SoL. 

In XXXX, they even threatened to sue my elderly Mother to collect the money owed to the " original creditor '', which is an outright lie because I confirmed with the OC that they had closed the account and written it off two years prior. Portfolio acquired the account in XXXX. 

There is no possible way I could have used that card from XXXX XXXX and no one else was authorized to use it, unless it had been stolen, which was the case. I had massive fraud and identity theft issues upon my XXXX  and even have police reports backing that. 

Yet, here they are, suing me for the same exact account again, using the exact same wording as in their prior claim again and I have received absolutely nothing by mail, email or telephone from them about it this time until I received the summons from the court. 

This is blatant harassment and it has to stop. 

My advice to anyone who reads this is to do what I did... stand your ground. Don't pay them anything, not a penny and tell these XXXX XXXX XXXX XXXX every time they call. Keep logs of when they do and be prepared to receive a summons whether the account can be collected on legally or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 reached out to transunion about identity theft for several accounts that due not belong to me. 
I have requested that the items are removed as i provided the proper documentation to them. 

None of the following items belong to me and i am requesting that they are removed XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX No late payments XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$0.00} XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently have SPS Servicing as my mortgage company. At the beginning of two years ago, my husband was diagnosed with a XXXX and has not worked in 4 years. I have applied several times for a modification due to my household income reduction. I was denied, so I continued to struggle and make payments. Later COVID-19 happened, I was only one month behind I did a forbearance for Covid relief. Before I agreed I asked would I be required to repay all at once and I was told no on a recorded line. After the 3 months was up they told me to submit and appliactaion for repayment plan. They denied the application saying the status of the loan??? I feel I have been wrongly and unfairly treated by this company. 

Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX popped back on my credit report without sending me any notifications in the mail. They also failed to report to the credit bureau within 30 days of my dispute from their previous reporting. By federal law they are required to place a " notice of dispute " on my account within 30 days of my dispute. In which I send certified # XXXX. In which was signed on XXXX XXXX,2017. I  have retained a copy of the date and receipt as well as a time-stamped copy of my credit reports, showing a violation of the Fair Credit Reporting Act section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: ACCOUNT SERVICES INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained a copy of my credit report in XX/XX/2017 and noticed that Account Services , Inc. was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to Account Services, Inc. in XX/XX/2017. I requested that they provide me copies of any documents proving my indebtness. See attached documentation they sent in XX/XX/2017 -- -120 days later. This is wholly unacceptable and further the documentation they sent reflects that the patient was not me. The patient 's date of birth is listed as XX/XX/17, which is not my date of birth. The address listed is the Virgin Islands, for which I do not reside. This inaccurate entry on my report is illegally reporting and does not belong to me. REMOVE THIS ENTRY IMMEDIATELY AS ACCOUNT SERVICES IS VIOLATING MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried having a bankruptcy that is shown on my Equifax and XXXX credit report removed and it has come back verified after each dispute. I contacted the Court where it shows the bankruptcy at and they state that they do not release public records to 3rd party reporting agencies. Without that information being released from the court this information is not verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1.The purported debt collectors have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in 15 USC-1692 ( d ) 806. Their language and conduct violates the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and business etiquette.

2.The purported debt collectors failed to provide VALID CERTIFIED STATEMENT OF ACCOUNTING 15 USC-1692 ( g ) 809 ( b ) ( UCC ARTICLE 9 ) upon several requests and demands for valid certified statements of accounting and violates my rights as a consumer. The law requires that ALL DEBT COLLECTION ACTIVITIES MUST CEASE until such debt is validated and or verified FCO representatives are obligated by law to act in good faith but have yet to show any good faith efforts. I am backed by the FULL FAITH AND CREDIT of the United States, public law 93-224 so there could be no honest claim that any I owe any debt to this debt collector. 

3. WITHIN 7 DAYS OF THIS NOTICE TO AGENT IS NOTICE TO PRINCIPLE, the purported debt collector must immediately PERMANENTLY REMOVE AND DELETE the harmful and fraudulent accounts being reported to all credit bureaus to which the debt collector is currently reporting.

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 2020-12-03
Company: Fairway Independent Mortgage Corporation
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX/FAIRWAY INDEPENDEN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/FAIRWAY INDEPENDEN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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 got a loan from Credit Acceptance in 2018. I made payments as stated in our agreement but when the pandemic happened, I was out of work and notified the company in which they told me they had no help for their customers. So I made the payments as best as I could. Most of the time it was paid on time and if not it was paid within 3 days from due date. I was notified that the amount was due on the XXXX not after and we dont have grace periods. So the first time I was late, the account would continue to reflect late payments each month until I paid that one late payment. I wasnt aware that it works that way. Even more, its hurting my credit trying to get a new car because of those unethical practices this finance company practice. It is a reason they are one of the worse companies. I didnt realize how bad those terms where until the pandemic. Also they lied to me about helping during the pandemic only to turn around and send an email about how they help their customers during the pandemic. Also this company practices harassing phones calls for one missing payments and didnt stop until I blocked them and paid. My credit report shows late payment every month because one late payment rolled over each month until it was paid. Had they given me the option to push that payment to the end of terms, I would have great credit. Its disgusting how this company hurt the very people who put money in their pockets and food on their tables. Shame on Credit Acceptance, they were never really trying to help me, just cause me more pain.

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 2019-08-22
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 is missing that should be on the report

Complaint:
I have called the company on the XX/XX/XXXX to add my phone number on my credit file and they have not. I called today and they keep telling me I have send a request in the mail but my number shows up on there system but not on my report. I want this fixed cause I can not complete my car finance.

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 2018-09-10
Company: Experian Information Solutions Inc.
State: AR
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:
In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX # XXXX Experian investigated and it came back verified. In XXXX I sent in a certified letter to Experian for a Method OF Verification, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XXXX XXXX,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed their investigation with the account XXXX XXXX # XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, I am considering filing a small claims for the non-compliance. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. As a consumer I was exercising my under the FCRA 611 ( a ) ( 7 ) to request a complete description of all METHODS used to investigate my aforementioned dispute. Experian you have willfully violated my rights as a consumer and I am in the process of filing a suit with the court for a small claims for the damages I am entitled to due to EXPERIAN noncompliance or Experian can remove this account from my credit file. Experian had plenty of time to send me their METHOD OF VERFICATION,, EXERIAN FAILED TO DO THAT,, I HAVE ENCLOSED ALL PAPER WORK AND CERTIFIED MAIL RECEIPTS THAT I SENTTHE LETTER TO THIS COMPANY THEY RECEIVED THE LETTER AS YOU CAN SEE THE DELIVERY NOTICE.AND THEY UPDATED THE ACCOUNT BUT STILL FAILED TO SEND ME WHAT I AM ENTITLED TO AS A CONSUMER PER THE FCRA..EXPERIAN REMOVE THIS ACCOUNT PLEASE.

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 2023-07-15
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:
This is my second request to XXXXhree Credit Bureaus and I am filing a case aginst them in violation of neglegence under FCRA Section 605b. These Credit Bureaus have engaged in unfair and deceptive practices by providing inaccurate and misleading information to debt collectors, thereby tarnishing my creditworthiness and subjecting me to harassment. I demand immediate deletion of these violations and compensation for the damages caused. These are the following items that are needs to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-09-04
Company: Experian Information Solutions Inc.
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:
I recently disputed an collection account with Experian they are currently reporting an unverified, unproven, non compliant collection account from XXXX XXXX. I send my dispute certified # XXXX. In which they have failed to comply. Due to the fact that NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH ACCURACY, COMPLETENESS, AND COMPLIANCE To XXXX XXXX and they have failed to prove otherwise and refused to delete this account.

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 2023-03-14
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: Reporting company used your report improperly

Complaint:
Reviewed my consumer reports and noticed I had 18 late payments on an account that I was never late for. I know that Consumer Reporting Agencies have assumed a integral role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account ( XXXX ) with account number ( XXXX ). 

Please investigate and provide proof with statements that these payments were late. If proof can not be provided I demand that these payments be updated to On Time as the should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the Petitioner that states XXXX XXXX  had purchased my debt from XXXX XXXX XXXX XXXX XXXX for the credit account # XXXX and assumed all of its liabilities while it had an open dispute and XXXX XXXX  has failed to address the missing payment I made on the account on XX/XX/2017 for the amount of $ XXXX.and explain how it posted to the account. Refer to XXXX bank statement, the XXXX XXXX invoice with the payment due date of XX/XX/2017, and the payment confirmation screenshot. 

I first discovered the missing payment in the payment history on my XXXX  credit report. At that time the account was owned by the original creditor, XXXX XXXX XXXX XXXX. The payment I made on XX/XX/2017 in the amount of {$200.00} was missing. Refer to XXXX  report # XXXX. 


This complaint is intended to address the problem and verify the accounting of the {$200.00} payment I made on XX/XX/2017 and inform me of how it was applied to this account. 

I am requesting that CFPB order XXXX XXXX XXXX. to verify that on XX/XX/2017, a payment in the amount of {$200.00} was posted to this account and show how it was applied to this debt with the following : 1. a summary of my payment history on the debt including the {$200.00} payment on XX/XX/2017. 
2. the date on which the payment was applied and credited the account ; 3. an itemization of how the payment was applied to the account ( i.e., what portion of the payment amount went to the principal, interest, fees, other charges ) ; 4. a copy of the underlying account statement showing the last payment made to the account

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