BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was involved in identity theft years ago, btw XXXX and beyond where my name was used to open different accounts and even obtain credit cards, and went on shopping to different departmental stores and other vendors. some of them that show up earlier on has been removed from my credit report, but lately I found out that portfolio recovery services has send my information to court and judgement obtained seeking to recover a sum of {$2900.00} plus interest. I have informed them that this is fraud and should have not gone to the court to begin with. They claimed that they were awarded that judgement against me b/c of failure to appear. I informed them that it was not my account. I asked them What was purchase and they said it looks like laptop or desk top computer, and that they don't have much details since it has been old and from an online bank. 

Right now I have contacted the court to look into the matter but was also informed to report the fraud with this platform. I need the judgement dismissed immediately, and my name cleared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
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: Account status incorrect

Complaint:
I have disputed this XXXX account in collections for the amount of {$2100.00}. XXXX allowed changes to be made to my account fraudulently and without my knowledge or permission. These changes caused me to incur {$2100.00} in fees early termination, equipment and so on. I called in XX/2015 and they said they would be removed and my account closed and the responsible party would be handled accordingly. I just noticed it reporting negatively XXXX is now saying it was placed in collections and is no longer with them. According to the law I am not responsible for this debt. XXXX says its on the collection company and credit bureaus to remove. I have no contract with XXXX who is currently holding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2018-12-27
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I disputed inaccurate accounts with TransUnion. I stated to them that they had violated 15 U.S Code 1681b-Permissible which states that : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave TransUnion any consent to report on my consumer report. 

I also stated that the account balances XXXX, XXXX, XXXX have different balances from my XXXX account balances. 

I also state that I had got some inaccurate accounts deleted off my XXXX consumer reports. Which are also being reported on my TransUnion consumer report. 

TransUnion has verify and updated these inaccurate items on my consumer report. 

I have enclose documents for this issue in the attachments.

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 2021-05-06
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
This account was not done by me. Please remove this 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 non-monetary relief
Consumer complaint received 2021-07-19
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have been making two payments monthly each {$860.00}.

The new servicer Fay Servicing would not until XXXX, finally apply the payments. The mortgage statements were wrong and showed unapplied. We have made numerous calls and emails and receive no help. The address and phone numbers are not able to be changed. The site when calling into hangs up on you. Now they are trying to foreclose on us. We need the account serviced, issues addressed and since they just corrected their mess in XXXX, we need time now that there is a shortage. 
They are irresponsible and I did get a response when I complained to the XXXX on XX/XX/2021. about their missing a payment from the prior mortgage co.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am disputing the debt as reported by PORTFOLIO RECOVERY for {$560.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
so i sent a couple of letters to the bureaus, and i have not herd anything back, this was 60 days ago and to my understanding i should have heard something from someone, no one has called me but i have called them but i cant get on the phone with a live person, there is something wrong with that because it is hindering me from getting credit because every time they pull up my report they can see whats on there, it is a bankruptcy that should not be on my credit report, i spoke to the court about this matter and they said they do not report to the bureaus please remove it from my credit report. either respond or delete whats on there off. my list of things on my credit report will be posted below. 

Equifax. 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Voluntary XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

XXXX. 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXpetition filed Case Number : XXXX This account is inaccurate. Please delete at once. 

XXXX

1. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy filing Case Number : XXXX This account is inaccurate. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: BTH Management
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The collector from XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX keeps calling me using abusive language to collect this debt. I have mailed a cease and decist letter to them. They also keep calling me three to five times a day from different phone numbers to make it look like it is not the same company. I have asked them to stop calling me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: OH
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 received a copy of my credit report and found the following items to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! Bureau has refused to investigate this negative account on my report. 
2. XXXX XXXX Account Number : XXXX I was never late on this account, NEVER, please remove late mark on status of 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 explanation
Consumer complaint received 2021-07-20
Company: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money from XXXX for someone online sell glove but after I sen money she did blocked me on XXXX, I called my bank wellsfargo stop the transfer but they cant

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 2021-07-19
Company: OPORTUN FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX CFPB, Oportun credit card payment scam issue number two. 

Please check out the screenshots for today 's current summary transaction. The summary transaction total is {$320.00} while in the oportun online account summary the current balance is {$1000.00} ( see attachment : oportun credit card XXXX XXXX ). This means when my autopay pay the balance at due date, it would be the scam number XXXX not the transaction sum of {$320.00}. 

Also, the credit card usage is declined already for no reasons. 

XXXX XXXX XXXX ssn : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Someone use my personal information to opening checking and banking accounts.These are fraud accounts open in my name.

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 2020-06-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
CFPB Case Number XXXX, Case # XXXX. 

Ocwen Loan Servicing, llc, now PHH Mortgage Services ( " OCWEN '' ) was named as beneficiary in a limited trustee sale guarantee policy issued by XXXX XXXX. Customer Reference : XXXX Order No. : XXXX. Dated : XX/XX/2014. Name of Assured XXXX, XXXX, As Trustee, and Ocwen Loan Servicing, LLC as Beneficiary. Issue : A foreclosure was informed was completed by XXXX XXXX XXXX XXXX XXXX, the trustee on XX/XX/2014. XXXX XXXXXXXX XXXX XXXXXXXX XXXX has stated under penalty of perjury that it paid off Ocwen to satisfy the obligation and the reason for the trustee sale. I am not in receipt of acknowledgment of the payoff from Ocwen specifically stating that it received the payoff. REQUIRE Ocwen and its successor PHH Mortgage  Services to confirm or deny it received payment from XXXX XXXX XXXX XXXX  XXXX, trustee sometime on or after XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
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: Reporting company used your report improperly

Complaint:
I just found out that my credit score are getting lower and lower. When I saw the history these credit beureus are allowing hard inquiries and tons of soft inquiries on my file without my consent. Ive got tons of mails offering from Bank credit card companies, because they access my account without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
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: Information is missing that should be on the report

Complaint:
I pulled up my equifax credit report and XXXX  report and it not reporting incorrect. and all my credit cards have been removed from equifax reporting and im missing five credit accounts on my equifax report and i contacted XXXX XXXX they refused to submit a documents to the credit bureaus and told me that i need to put it in writing which i refuse to do because i did it in the past and never got a response from them and there are no credit accounts are being reported on equifax equifax didn't have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DIDNT REPORT THIS XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
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: Information is missing that should be on the report

Complaint:
I pulled up my XXXX  credit report and transunion report and it not reporting incorrect. and all my credit cards have been removed from XXXX  reporting and im missing five credit accounts on my XXXX  report and i contacted XXXX XXXX they refused to submit a documents to the credit bureaus and told me that i need to put it in writing which i refuse to do because i did it in the past and never got a response from them and there are no credit accounts are being reported on XXXX  XXXX didn't have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION DIDNT REPORT THIS 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 2018-02-24
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have no knowledge of this account at all as far as opening it. I just settled this debt with XXXX XXXX , XXXX in XX/XX/XXXX. Now it has been added back without me even recieving notification via mail about the debt, just an alert from the credit bureaus XX/XX/XXXX. The company has not answered calls, or responded back to messages. I am attempting to close on a home, and this unidentified debt has impacted the process tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: WELLS FARGO & COMPANY
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:
Recently, I found several accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open.They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2020-06-27
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2021-07-19
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Debt doesnt belong to me and they keep calling harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1a. on XX/XX/XXXX XXXX filed a fraudulent Assignment of Deed of Trust falsely claiming to be nominee for the defunct XXXX XXXXXXXX XXXX. XXXX  violated RTC 23302 Transferring Property in California under a corporate suspended license. XXXX  license to do business in California was suspended by the Secretary of State of California XX/XX/XXXX. XXXX  license to do business in California was also suspended by The Franchise Tax Board XX/XX/XXXX. XXXX XXXX did not own any loans in XXXX XXXX XXXX XXXX XXXX. also filed a Corrective Assignment of deed of trust in XXXX operating under a Suspended Corporation violating State and Federal Laws. 
2 Specialize Loan Servicing is responsible for the illegal transferring of loans XXXX XXXX XXXX who is employed by Specialize Loan Servicing forged the Corrective Assignment falsely claims to be Assistant Secretary for the California Suspended Corporation XXXX, and representing the defunct XXXX XXXX XXXX who denies owning ANY LOANS as of XXXX See XXXX XXXX XXXX Liquidating Trust Letter Page 3.

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