BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: TRANSWORLD SYSTEMS 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:
Dear CFPB Headquarters. 

XXXX XXXX has been abusing the Fair Credit Reporting Act and running circles around myself and the CFPB complain system. 

I XXXX XXXX am the victim of Identity Theft with documents dating back years. 

XXXX XXXX is reporting a Fraudulent in my name. 

I have disputed this multiples times with XXXX XXXX. Three times through the CFPB. 

Each time XXXX XXXX 's staff said they would later reach out to myself for more information. 

Each time was a lie to wait out the complaint against them.

They then proceeded to resend another collections letter never having asked for the evidence I was told they would ask for three different times.

Their only statement has been that two payments were made to the  card from a XXXX XXXX  Account. However, as I have informed them every time that account was already confirmed as fraudulent from XXXX. However, regardless of this evidence that completely invalidates their " proof '' that the account is valid they merely lie, stall, and ignore the Fair Credit Reporting Act which they are committing multiple violations of. In addition, the CFPB has been allowing this to continue as I have
read multiple similar complaints online. The CFPB is failing to investigate and fight against this abuse towards the American people. Therefore, I demand this matter be escalated to the teams in charge of taking legal action when a corporation is knowingly and blatantly violating the FCRA and abusing consumers. Have the appropriate department contact myself with any questions. Further  neglect from the CFPB concerning XXXX XXXX 'XXXX abuse may result in us filing a case against the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to XXXX numberous of times about my KY HIGHR EDU account about multiple errors on my report. Date Opened, Date Reported, Creditor Type, Account Status andPayment Status is all incorrect. I sent letter on below dates 1st - XX/XX/2020 2nd - XX/XX/2020 I received letter saying updated but did not fix the errors

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 2019-01-28
Company: Account Management Resources
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently called and submitted a letter to XXXX XXXX XXXX XXXX asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask XXXX  XXXX XXXX  XXXX to remove the collection from my credit report until the debt is validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
It has been 30 days and the creditor ( Shell Oil-Citi bank ) has not updated the information nor has provided proof or documentation in regards to a late payment. They have not provided the information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and for failing to do so. The items must be deleted from my report as soon as possible. 15 USC 1666B

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 2020-10-21
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I purchased a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX for {$19000.00} Santander Consumer USA INC XXXX XXXX, TX XXXX was paid {$430.00} for 71 installments My maturity date was XX/XX/XXXX of this year I have now passed six months and Im still paying for this vehicle still owe $ XXXXI do believe Im being prayed upon for this extra XXXX XXXX was given an order to pay XXXX extra dollars or sign for 10 extra months of installment payments or have my car repossessed I have already paid 77 months of installment payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documentsChapter XXXX bankruptcy discharged Date Filed XX/XX/2012 XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX A 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 2020-10-21
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 belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documentsChapter XXXX bankruptcy discharged Date Filed XX/XX/2012 XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns home plus has been continuously calling me more than 3 times a day from random local numbers. I have given a promise to pay of a certain date and they keep calling. I know calling more than 3 times a day and after a promise to pay was given should not be allowed. They called last night at XXXX this morning at XXXX and then again just now at XXXX I have told them 3 times I would pay it Friday and they continue to call. I have also asked them to please not call me any longer I will pay it when I get paid on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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: Information belongs to someone else

Complaint:
Ive been a victim of identity theft, this account does not belong to me.

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 2021-11-03
Company: National Financial LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello, I have asked that my work number not be called by the pay day loan company Loan Till Payday. Ive asked verbally and in writing via email. They continue to call my job and cell phone daily. They are now calling my work twice a day. Their newest tactic is calling my coworkers and asking for me instead of using my extension. This is harrasment. Ive told them that I can not pay and will be filing for bankruptcy. Even after telling them this, they call my cell and work number 4 times daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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 belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documentsChapter XXXX bankruptcy discharged Date Filed XX/XX/2012 XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX A 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 2022-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery left Voicemails on family members cellphone for me voicemail clearly states that the phone they left message on doesnt belong to me and belongs to my sister as her name is on voicemail. I work in collections where I work we are not allowed to leave voicemails for borrowers if their full names are not on the voicemail because we do not know who has access to the phone. When we leave voicemails we also only leave general messages requesting a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$4700.00}.

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 2020-10-21
Company: Army and Air Force Exchange Service
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:
XXXX of 2020 my credit card company militarystar labeled my account 30 days past due. I was XXXX during this time without any type of communication. I have tried to call and dispute over the phone but no request has been fulfilled.

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 2020-09-02
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 information incorrect

Complaint:
I made a payment on XX/XX/2020 to my Chase Freedom credit card in the amount of $ XXXX. I have a credit limit of $ XXXX. I tried to use my credit card for a company purchase yesterday and it was declined. After I made my XXXX payment Chase immediately reduced my credit limit buy over half. They reported incorrectly to the credit bureau in XXXX. With my payment it should have been reported to the credit bureau that I was only at 50 % utilization however they reported that I was fully utilizing the card and was maxed out. They did not give me 30 days notice of the decreased credit line. I did not receive any notice whatsoever. I was only made aware once my card was declined. If I was aware that my credit line was reduced I would not have made such a large payment. I called to try and resolve and the Chase said they did not need to let me know of the reduced line of credit. They also would not report correctly to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: AMERISAVE MORTGAGE CORPORATION
State: OK
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:
The company is ; Amerisave Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX DATES-XX/XX/2020

: r

eceived two envelopes, one addressed to me and another addressed to my wife. The envelopes contained credit reports that we didnt request or file for. The credit report showed a soft pull for a home applicant. We arent in the process for a home loan. The mail addressed to me showed it to be generated o
n XX/XX/2020 at XXXX XXXX. 
There is also a date on the report showing date ordered on XX/XX/2020. That again is not a date we request any loans. We also werent  attempting to get a home loan.

ACTIONS- I looked up the company. There are many questionable historical facts that led me to report this.

I also sent an email to their customer service, but wanted to get ahead of anything.

AMOUNTS-There are no amounts of financial expenditures but it is for a home loan.

The fact that there were two envelopes, both with our credit reports in each, makes me wonder if this is two separate transactions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company PHH Mortgage has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies  have not updated my credit rating since XX/XX/XXXX even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company PHH Mortgage. I have filed claims before that were investigated by lawyers at the law firm XXXX XXXX XXXX XXXX CO instead of directly by the company 's listed above. The mortgage in question was an illegal mortgage as was the primary cash purchase loan and the following second mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. This has been ongoing since XX/XX/XXXX when they forced the liquidation of investment holdings that were held as collateral for a line of credit that was used as a second mortgage on the same property. I was not in the Arrears with either loan. The XXXX XXXX XXXX  took this action after I informed XXXX XXXX XXXX XXXX XXXX that the house was not built to national or local building codes. Here is a link to all the evidence. https : XXXX! XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: BARCLAYS BANK DELAWARE
State: MO
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 hard credit inquiry was made on my credit report on XXXX XXXX XXXX. I reported this to the company Barclay 's Bank of Delaware in XX/XX/. It is still on my credit report. 
I contacted them again, this month, and they are still not taking action to get this removed from my credit report even though it was found as fraud.

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 2020-10-21
Company: AMERICAN EXPRESS 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:
Dear CFPB Headquarters.

American Express has been abusing the Fair Credit Reporting Act and running circles around myself and the CFPB complain system. 

I XXXX XXXX am the victim of Identity Theft with documents dating back years.

American Express is reporting a Fraudulent in my name. 

I have disputed this multiples times with American Express. Three times through the CFPB.

Each time American Express 's staff said they would later reach out to myself for more information.

Each time was a lie to wait out the complaint against them.

They then proceeded to resend another collections letter never having asked for the evidence I was told they would ask for three different times.

Their only statement has been that two payments were made to the card from a XXXX XXXX XXXX. However, as I have informed them every time that account was already confirmed as fraudulent from XXXX. However, regardless of this evidence that completely invalidates their " proof '' that the account is valid they merely lie, stall, and ignore the Fair Credit Reporting Act which they are committing multiple violations of.

In addition, the CFPB has been allowing this to continue as I have read multiple similar complaints online. The CFPB is failing to investigate and fight against this abuse towards the American people. Therefore, I demand this matter be escalated to the teams in charge of taking legal action when a corporation is knowingly and blatantly violating the FCRA and abusing consumers. Have the appropriate department contact myself with any questions. Further neglect from the CFPB concerning American Express 's abuse may result in us filing a case against the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation