BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent Portfolio Recovery Associates a debt validation letter on X/XX/2017 for two accounts they report for me. Their response was to send me 'validation ' dated X/XX/2017 that is not the same amount owed that is showing on all three of my credit reports for both companies. The date opened in their validation is also not the date listed on the credit reports. The account type is also different on each report, and they claim to be a 'factoring company ' on one for both accounts. They are reporting monthly as if they are a lender, and have varying 'past due ' amounts on various reports. In all, for both of these accounts Portfolio Recovery Associates have failed to validate the debt as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
As you are aware, on XXXX XXXX, 2017, Equifax disclosed that it did not properly secure financial data of millions of Americans and as a result my information was improperly accessed by third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the collection agencies, NCB MANAGEMENT and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too much time passed. I 've made contact via certified mail 2 times. XX/XX/XXXX and XX/XX/XXXX. Still have not received anything back or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, 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 AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. I DONT KNOW WHAT TO DO SO I AM WRITING YOU GUYS, HOPING I CAN GET SOME ASSISTANCE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Seteres some how got our loan. Me and my husband got divorced. I got a letter stating that on 2 occasions my signature was forged. I requested copies of forgery which I gave the address I needed them to go to and also to be faxed to the XXXX Illinois Police Department. They never faxed my request and they sent the documents to my x. So the police did nothing. Then they closed and I have still been trying to get the forged documents. Mr. Cooper supposably took our loan and I requested the documents from them. But they claimed that Seteres didnt give them those documents. I figured out who forged my name. And now I am going to file a suit. But at this point I am so tired of waiting forever. I need to put this behind me. My name is XXXX XXXX XXXX my home was XXXX XXXX XXXX XXXX XXXX Illinois XXXX. XXXX. I also received a gift of equity from my parents for the house which I was to receive back. In Illinois a gift of equity goes back to blood relative. Of course everything of my divorce and sale of the house took everything from me. I still need these documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, 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:
I am a victim of identity theft ; I discovered accounts reflecting badly on my credit report today XX/XX/19 when I was denied from opening a credit card at my bank. None of these accounts are mine ; I did not open them nor have I ever gave anyone permission to open them in my name with my personal information. I have reason to believe that these accounts belong to my father XXXX XXXX XXXX. I have already filed a police report regarding these accounts. I do not have any written/verbal contract with any of those companies and I never allowed them to run or access my credit file. I never gained anything from these accounts such as money, goods, services or any other benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: FL
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:
Your Name Your Address Your Phone # Request for Investigation of Unauthorized Inquiry I checked my personal credit report, which I acquired in XX/XX/XXXX and I noticed several unauthorized inquiry had been made. I contacted companies who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into hard inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. 1.XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX 5.XXXX  XXXXXXXX 6.XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10.XXXX the inquiry referenced above have been disputed please remove from my report Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: FL
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 just received a letter from XXXX a denial of credit by the way of experian it states it is my right to view my report if I log in to experian report access and under the FCRA.Once again I was denied access on XXXX 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 2022-02-07
Company: MoneyLion Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A talk to an agent a month ago about a miss payment showing up my account. I was told " 'it is nothing to worry about and it will fix itself ''. A month later I still have a miss payment on my credit report. The late payment bringing down my credit and prevent me from purchasing a car. I need it right TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the XXXX Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the XXXX XXXX response ) I pulled a tri-credit bureau from XXXX yet again at a personal cost of {$30.00}. The negative attribute XXXX had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the XXXX response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from XXXX XXXX . I thought I would give it a bit more time, and yesterday called the XXXX customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from XXXX XXXX. 

At this point, unless XXXX is mistaken, it appears XXXX XXXX is knowingly reporting false information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Two claims were sent on my behalf with regard to debt validation for NAVY FEDERAL CREDIT UNION for a balance of XXXX dollars. Each time I did not receive the requested documents to validate the debt in question. I am still receiving phone calls, but have yet to see documentation to validate that there is or ever was a contract between me ( XXXX XXXX XXXX and NAVY FEDERAL CREDIT UNION ), and proof that the debt was not paid with my wet ink signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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 AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. I DONT KNOW WHAT TO DO SO I AM WRITING YOU GUYS, HOPING I CAN GET SOME ASSISTANCE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
The representative agreed to delete debt and has asked to send direct dispute. Debt has been removed and re-entered multiple times over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Ditech Financial LLC
State: HI
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 filed a complaint almost two years ago that the mortgage company was not reporting my mortgage to the credit companies. Their response was that they are working to fix this issue. They have yet to fix their system to be able to report on the three owners of the property.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Ive contacted Trans union several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.

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 2022-02-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE
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:
In XXXX 2021, I was refinancing with XXXX XXXX XXXX XXXX ], & they were trying to rush things along in order to meet their monthly 'quota, ' so several weeks before the scheduled closing, I started asking questions to ensure I was receiving the best refi option for me, which is my right. However, XXXX/my mortgage XXXX [ MO ] didn't like this, so they followed up with various delay tactics. During the refi process, the MO had told me that there would be no payment due for the closing month, as the loan would close before the end of the month, but it didnt [ close ], even though I was approved and had all of my paperwork and requirements submitted. The XXXX to last day of the month, I received a call from the XXXX MO who told me that half of my payment was still due for that month and it had to be paid in order to close the loan on the refi [ also, throughout the refi process, I had lost all online access to my CURRENT mort, I only had access to the NEW refi loan #, & could not make/change payments to my account ; the MO knew this, as I had reported it to him NUMEROUS times, but he did nothing ]. After the call, I immediately made a telephone payment, because I couldnt access my account online, completely unaware that at the same time XXXX was trying to debit my checking account, and had done so MULTIPLE times, for the same payment ; it was the perfect storm. Needless to say, my bank declined each transaction because I didnt have $ XXXX funds available in my account [ heck, who does ]. Upon realizing this [ and remember, its the end of the month ] it was too late to do anything, XXXX considered the payment late, reported it to the credit bureaus, & my credit standing has been completely DESTROYED ever since! I've tried to work with XXXX on a resolution, I've called and spoken to multiple employees, but its been no use, they claim its 'against the law ' to reverse a late payment, even though XXXX incompetency & shady practices perpetuated this debacle. And to make matters worse, because of the late, XXXX will not refi a loan with me for XXXX year.. I even filed a dispute witXXXX XXXX, but they refused to accept responsibility & found no fault in themselves. I've tried to get another loan with other companies, but either the interest rate is 20 % + or they decline me because of the late report and my low credit score. Some of my credit cards have even closed my accounts because of this, which lowers my score even more. This has been financially devastating, and my hands are tied, I cant move forward in any direction because of this, I'm entirely unable to improve my financial situation, I'm stuck, and I just want this reversed so I can move on!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. See FTC Report attachment 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 non-monetary relief
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the XXXX Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the XXXX XXXX response ) I pulled a tri-credit bureau from Transunion yet again at a personal cost of {$30.00}. The negative attribute XXXX had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the XXXX response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from XXXX XXXX . I thought I would give it a bit more time, and yesterday called the Transunion customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from XXXX XXXX. 

At this point, unless Transunion is mistaken, it appears XXXX XXXX is knowingly reporting false information on 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 2022-02-07
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in a COVID-related unemployment forbearance since summer 2020. I am returning to work and would like to reinstate my mortgage. I have requested my reinstatement options in writing and US Bank refuses to send them. They claim they can not send a written copy, and they want to describe the available options verbally so I can make a decision over the phone. I have an auditory processing disorder. They suggested that I get a trusted adult to help me conduct this financial business. 

My call has been disconnected twice ; representatives have refused to escalate the call ; there is no accessibility hotline on their website. They also can not tell me whether accepting the reinstatement offer would affect my OHFA down payment assistance. I would really like to have this information in writing so I can consult my OHFA rep, but US Bank refuses to provide it. 

When I asked the bank to reconnect my mortgage to my online banking account so I could see the options online, they accidentally locked me out of online banking for the week between XXXX and XXXX XXXX 's.

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 2017-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is to inform you that I have contacted XXXX Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: TrueAccord Corp.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TrueAccord sent mail I received on XX/XX/2022 regarding a fraudulent account in my name. XXXX XXXX XXXX said on XX/XX/2022 a few days earlier states that they own the debt, and TrueAccord hints at them owning the debt. Reference # XXXX, account # ending in XXXX. 
I want to know who actually owns the debt, and if TrueAccord owns the debt, I request a full validation. If not, I want them to cease all inquiries. TrueAccord stated that by XX/XX/2022 that this debt will go into collections. So who owns the debt? If XXXX XXXX XXXX owns this debt, I also need to know. 

I have been lied to and threatened so many times by this issue Im not sure. This debt has been sold and moved too many times to tell whos telling the truth. 
Both inquires are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The original credit line of this card was XXXX they are trying to say i owe more than XXXX i dont know from where or how

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