BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Alorica Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had opened a XXXX credit builder account early last year starting in XXXX  to help build my credit score back up, they had sold my loan off to a debt collection agency, breaking the terms of the agreement. 

The loan was financed at {$4000.00}, with {$2000.00} being given to me upfront, with the other {$2000.00} being locked into a savings account with interest. I would gain the {$2000.00} after the payoff of the loan. 

XXXX not only sold off the loan to this company, they broke the rules and agreement I had made with the company in terms of payment. The new company the loan is a part of, Systems & Services Technologies ( Part of XXXX ), said I was XXXX dollars past due on my payments, when my statements show I have made every single payment I was supposed to make over the entire year of XXXX, in XXXX I had made a late payment to XXXX but it was taken care of and reported as current. After the transfer, I was not informed of the transfer, nor did XXXX tell me or let me know that the account was being transferred to another agency. According to the FCRA, loan transfers must let the person know that it was transferred, which I was not. Not only this, the payment agreements were every two weeks on the XXXX I get paid, this is currently not happening, and my payments are being taken out on the weeks and days I do not get paid. The accounts on my credit score also are currently being reflected as two different accounts, one being closed and the other being SST reporting that I'm past due 60 days when I have no past due payments in the system. If there were any past due payments that just so happen to have randomly popped up in my two years of payment, I was not informed nor aware by XXXX or SST.

After calling the company they refused to tell me where the missing payments were coming from and after finally pressing they told me months I had already made payments for, with these also being the months the loan just so happened to be transferred over to SST. These missing payments were not reflected on SeedFi and only showed up after the loan was transferred to SST, with multiple people saying the same thing happened to them. 

In my account summary it currently says my payoff balance is {$2500.00}. The original loan amount is {$4000.00}, with all my current payments made for the year, I still do not understand how I'm being reported as 60 days past due when I have made all my payments for the year. This loan is predatory and the companies involved are predatory, there have been multiple reports to the XXXX  and on various websites about " missing payments '' that have randomly popped up for people, people not getting their savings money, with the same responses being made over and over and over again. This is a scam and I wish I could go back and time and tell myself not to take this loan. A terrible experience with my credit score taking the hit.

Company response to consumer: In progress
Consumer complaint received 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
On XX/XX/2020, I contacted XXXX XXXX account ( XXXX ) I don't have an account with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I sent by mail to unfreeze my Transunion report. Forgot my pin. I sent my info by mail unfreeze having hard time getting actual help. Im in Mortage process this holding me up.

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 2020-11-03
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: Account information incorrect

Complaint:
I disputed the accuracy of this account on XX/XX/XXXX with Experian. Upon their investigation on XX/XX/XXXX a duplicate XXXX account popped up on my report. I called in to notify them of the duplicate account. When she checked the report she removed ome of the accounts and when she removed the duplicate account she removed the account that reported the history from XXXX up until the charge off in XX/XX/XXXX. This account that she left on here is showing a completely different payment history than the one that was reporting since XXXX. Experian refuse to fix their mistake and remove this inaccurate information 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 2021-09-02
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I never gave this company consent. This company is violating my federally protected consumer rights to privacy. This means they are breaking the law. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Home Loan Center, 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:
A fraudulent credit card was opened in my name by an unknown person in XX/XX/XXXX with XXXX, XXXX. I did not discover this until months later in XX/XX/XXXX. I contacted XXXX to file a fraud report. Upon review they contacted me back and told me to fill out a fraud affidavit. When I asked questions about the account they refused to answer any questions or give me any information. My credit score has dropped roughly XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: National Credit Adjusters, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Failure to communicate with me. I had no acknowledgement and not to my consistent that my credit report was being used or the falsifying of signatures was being applied

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: FCN Catalogue & Equipment, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I got a call from XXXX & XXXX XXXX # XXXX stating that they had a complaint from a Payday loan XXXX XXXX XXXX I explained to the Rep. that debt was placed in a bankruptcy in XXXX Rep stayed that he sees the bankruptcy riled and will no longer contact me on XX/XX/XXXX I got another call from XXXX XXXX from XXXX XXXX XXXX XXXX stating that he was calling because of the same complaint and that my bankruptcy does not cover that debt because it was a chapter XXXX  and I still owed the debt tried to explain to him that I didn't want anymore calls and stated I would file a complaint with CFPB stated that that not scaring anybody and hung up on me. Voice message calls states that they are taking me to court and garnish my tax returns

Company response to consumer: Untimely response
Consumer complaint received 2019-07-08
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IDEAL COLLECTION SERVICES ACCT # XXXX {$2100.00} ARE REPORTING A COLLECTION ON MY CREDIT REPORT AS WELL AS MY WIFE AND DAUGHTER. I HAVE NO IDEA WHERE THIS IS FROM AND I'VE BEEN DISPUTING IT FOR A FEW MONTHS AND THE CREDIT BUREAUS KEEP SAYING IT'S VERIFIED AS MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Mortgage Research Center, LLC
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:
I have 3 fraudulent hard inquiries on my XXXX  credit report from Veterans Uni. The first date is XXXX. The second hard inquiry date is XXXX. The third date is XXXX. I have reached out to the company and they directed me here for further assistance in this matter. I would like to have these hard inquires 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 2019-11-24
Company: EQUIFAX, INC.
State: WV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX I have some issues with inaccurate date showing that doesn't belong on my report. My correct spelling and name is XXXX XXXX XXXX please remove any other version of my Legal name. It is causing issue with another XXXX in my city. Please delete the following address XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYMENT IS I AM THE OWNER OF XXXX XXXX XXXX. 
There is a XXXX XXXX this account was never verified please delete, XXXX XXXX XXXX   LATE PAYMENT THIS IS A ERROR PLEASE DELETE. XXXX XXXX  account that should be deleted that account was never late and had been settled already error please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a settlement agreement from XXXX XXXX XXXX XXXX XXXX for a debt with Nissan Motor Acceptance Corp. When I spoke to a representative from XXXX, they confirmed that if I paid the settlement amount the account would be considered paid in full and removed from my credit report. I paid the amount on XX/XX/XXXX but I received a letter from Nissan Motor Acceptance Corp that I had to pay another {$180.00} and as of today, the account still shows on my credit report. I would like the account removed as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: GB Collects, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received a letter from GB Collects LLC at XXXX XXXX XXXX XXXX XXXX NJ XXXX indicating that a debt owed to a pest control company had been turned over for collection. My name was misspelled, indicating that the correspondence was potentially a scam. A notice on the letter indicated that I could dispute the validity of the debt if I responded within 30 days of receipt of the letter. 

I responded on XX/XX/2023 within the 30 days specified by the initial notice. My response noted that I doubted the validity of the debt and requested confirmation. GB Collects did not respond to my request for validation. GB Collects has continued to send letters in what I believe to be a fraudulent attempt to recover a debt. Moreover, they failed to meet their legal requirements in validating the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Monterey Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MONTEREY COLLECTION SV Is attempting to collect a debt. for a Timeshare owned by a company or someone of similar name. They have put it on my credit report and are refusing to remove the collection and are also refusing to provide proof that the account is valid.

We have attempted to dispute the collections through the Credit Bureaus but it has not been removed, the credit bureaus have explained to me that they are not required to ask for proof that the accounts are valid, that the creditor themselves has to clear the verification to themselves.

I have also sent a request for validation to Monterey via certified mail and have received nothing in return at all.

MONTEREY COLLECTION SV is utilizing my credit to attempt to intimidate me into paying for an account that is not mine at all and refuses to show the deed for the account because it shows a different owner. 
I will attach the only deed in XXXX XXXX FL that I can find that has a name similar to mine for the Timeshare they say I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: MN
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian XXXX XXXX, 2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2019-07-08
Company: Collection Service, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received a telephone call from Collection Service, Inc today at my job. I have asked this company numerous times before to not call my job and I have also filed a complaint about this before. They are still calling. The lady that called me today was XXXX XXXX. I have written a letter to this company stating that this debt was being reported in error and in violation of the Medical Debt Relief Act. I sent this letter XX/XX/, 2018 -- DOS was XXXX XXXX, 2018. I have a copy. They did not respond but continue to harass me at work. The proper practices and procedures are not being followed. I want the harassment to stop and the proper procedures to be followed. This debt should not be being reported on my credit and should not have been sent to collections within 6 months of service date. The original creditor is XXXX XXXX. How many times do I have to file a complaint about this same company for something to be done and the law followed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: CURO Intermediate Holdings
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:
On XX/XX/2020, Ad Astra Recovery Services added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account Ad Astra Recovery Services did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA, Ad Astra Recovery Services has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Did not pay my XXXX insurance after car was totaled. Transferred my loan out Westlake after US Auto Sales went out of business and charges extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Its a closed account and or a collections account by law should not be reporting monthly or at all I have demanded that they delete this incorrect fraudulent account it clearly violates fcra laws and statutes

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 2023-01-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from STUDENT LOANS. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
i had a debt in collections listed under the name XXXX XXXX XXXX that i won the judgement against and had removed from my credit report in the amount of {$700.00}. Now this company is putting me back into collections again for the same {$700.00} that i won a judgement against them for, but under a new company name listed as XXXX XXXX.. So i won the judgement and it was removed from my credit report, but now that collection is showing up again under that new company name. This is illegal and a violation of my rights, and needs to be removed from my credit report 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