BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: MD
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:
Re : Letter to Remove Inaccurate and Fraudulent Inquiry From My Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorizeXXXX XXXX XXXX XXXXF Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorized COSUMERPOR Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have  learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Great morning Thank you for your assistance. I am the daughter of a Veteran. The ex wife of a service man. And the mother of an XXXX. I work hard with an established career of over 20 years. 

As with all people life happened and I got behind on my bills. This has happen in the past when my grandmother and father passed away months apart. I worked with GMAC to get to them my home. I thought that the mortgage with being extended for 5 months. It turned out my fixed 30 year mortgage signed in XX/XX/XXXX was extended to XXXX. That is not helpful to me at all. 

In XXXX due to everything going on. I got behind on my mortgage again. I asked for assistance from PHH. During this time PHH has reported me being behind which caused my credit score to drop extremely low. The modifications was discussed and received last week. When I found out it is a new 30 year mortgage I was XXXX. How is this helpful? I advised the PHH representative that I was not interested in starting a new mortgage. This was not my intention at all. I asked about their credit reporting stating I was $ XXXX behind. The representative advised it was due to the pandemic and them not being able to work on my request. 

I researched information online and discovered mortgage companies are targeting XXXX people and keeping them in mortgages not helping them as the modification should be used to. I am requesting that PHH mortgage company is looked into for these unfair practices. I do not want a new 30 year mortgage. At this point I feel like my mortgage should be considered paid in full and the title released to me.Both GMAC and PHH mortgage company fell to help me. Both companies are trying to keep me in mortgages for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A former landlord mistakenly sent our account to collections. After multiple attempts on our landlord 's part to contact the collection agency to cease their attempts to collect the debt, we continue to get calls from the agency, including one just now where the agency called and hung up immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: Duvera Billing Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : DUVERA BILLING SERVI Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom it may concern. I have a few unauthorized things I would like to be removed from my credit report and all credit reporting companies as I am being hit with hard pulls I never applied for. The dates are XX/XX/2020, XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020. I recently applied for a XXXX  card and that's it all this other stuff is bogus or fraud. I never signed any papers. If they can show validation I'd love to see it because I never tried to do any business with above. XXXX XXXX that's another inaccurate thing on my credit file in marks section. I will show you pictures of everything.

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 2018-06-12
Company: EQUIFAX, 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 investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: National Credit Systems,Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit systems ( XXXX XXXX XXXX XXXX GA XXXX ) have  been calling me on daily basis trying to collect rent for a lease that my daughter backed out of before the execution date. The NCS Acct # is XXXX & XXXX ACCt # XXXX They sent me initial letter in XX/XX/2018. I have communicated to them in writing using certified letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2018 asking them to prove that I am legally obligated to pay the lease providing evidence for the following - Documentation that I disputed the XXXX XXXX Issued the lease after my daughter communicated to them that she does not plan to move into the apt . 
- Documentation that they acknowledged that I disputed the lease. 
- I also pointed out that any dispute regarding the validity of the lease belong in the Indiana court and not by a third party collector agency. 

They are continuing to call me on daily basis saying that they rejected my evidence despite my request that they stop contacting and trying to collect based my my documented dispute with the XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called and told me all information without verifying they were speaking with the correct individual they gave information about the debt without giving the mini Miranda I have not received a validation letter when they called a week ago I advised I filed bankruptcy and not to call and now they called again using the same full disclosure without verifying me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened a Wayfair store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my Wayfair card would be converted into a XXXX. 2 Months ago I noticed Wayfair removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018 TransUnion began showing an account in collections on my credit report ( per XXXX and XXXX XXXX ). This account {$65.00}, the collector, XXXX, and the original creditor, XXXX were not at all familiar to me. I called TransUnion and after great difficulty was able to speak to someone in my own language ( English ). The problem was resolved quickly but no explanation was ever given as to how this could happen or what precautions would be taken to prevent a recurrence. The U.S. based phone rep was very professional and very helpful. I promised her I would file a complaint on this issue because credit reporting agencies must be held accountable. Mistakes like this one can not be allowed.

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 2020-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  ), Portfolio Recovery Agency ( PRA ) added a derogatory mark on my credit reports per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection as requested on XX/XX/XXXX as well as XX/XX/XXXX ( attached ). Also there was no written form of communication, contract or signature for this accused debt at all. A copy of a bill without a signed signature does not validate the debt, anyone can make a copy and send a bill claiming it's mine. In CFPB v Portfolio Recovery Agency file no # XXXX according to the findings specifically 28. PRA is aware that significant inaccuracies may exist in the Sale Files it purchases, including that some debts balances were not reduced by a consumer 's subsequent payments 31. Some of PRA 's purchase agreements put limitations on the availability of account-level documents, thus putting PRA on notice that it may not be able to access account-level documentation on all accounts purchased that would enable it to perform proper due diligence. 36. PRA did not alter its collection practices when collecting on portfolios that it knew or should have known contained unreliable information. 33. PRA did not monitor its portfolios of debts for accuracy. Yet PRA has continued for years to damage my credit with inaccurate and unverified information and deprived me of my rights to validate the derogatory information. According to FCRA, Portfolio Recovery Agency ( PRA ), had violated my rights as a consumer and I'm requesting legal action to remove this account from all three bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-07-16
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
After reviewing my credit report today XX/XX/21, I noticed Target  & XXXX  are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04
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: Account status incorrect

Complaint:
In XX/XX/XXXXmy car was financed thru XXXX XXXX and my last payment should have been in XX/XX/XXXX. However, I disputed the amount XXXX XXXX tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by XXXX XXXX at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount XXXX reported as owed was in error, I never again heard anything from either the Collection Agency or XXXX XXXX. EVER. Not one single word.

In XX/XX/XXXX I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by XXXX XXXX XXXX agent of choice ). This was done and in XX/XX/XXXX, I contacted XXXX XXXX to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from XXXX XXXX in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after XXXX XXXX received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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 - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Year ago.. XX/XX/2017. I went to go buy home saw someone opened XXXX XXXX card in my name. I paid the card down..my balance was around $ XXXX- XXXX.. now my card is maxed out according to XXXX XXXX and I do not have card in my procession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: United Shore Financial Services, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
after refinance with United Wholesale Mortgage, i made my first payment on XXXX XXXX for first payment XX/XX/2020, as indicated on legal settlement documents. up to now i made XXXX and XXXX payment on time. But since beginning of the first payment, UWM website indicated i need to make first payment starts on XXXX XXXX over last three months i have been trying to resolve a issue with UWM to correct the issue in their update system. only respond from UWM customer service that they do wear the issue and they will make correction. but due to UWM 's negligent conduct, my credit scores are  down to low XXXX from XXXX because UWM reported a delinquent payment to credit reporting agency for not received a payment even after payment was made on time. Due to UWM negligent i am still hold to purchase an automobile and among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: JPMORGAN CHASE & CO.
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:
I've contacted Chase directly as well as the credit bureau, my account is filed as closed through Chase yet is reporting open on XXXX. Also, I have proof of payments yet it's reporting that my payments were late which is completely false bc when I login to chase it shows those months as paid. 

I've called Chase and disputed it with the credit bureaus and I've been told for months that it'll be updated and it hasn't been. 

This is impacting my credit score very badly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Ive been a victim of identity theft. The following account and inquiries listed below are fraudulent. Ive sent a Requested a credit bureaus, and my request for information to be blocked has been ignored. 
Accounts As Follows 1. XXXX XXXX XXXX {$500.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} Ive never done business with the following companies or entered into a contract with the companies listed above. All of these accounts are results of Fraud. Someone used my information to get XXXX XXXX 

The following inquiries are XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # 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