BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I filed a dispute with Equifax credit bureau asking for inaccurate information to be deleted off my credit report. In particular, Equifax has been reporting a bankruptcy on my credit report that belongs to someone else - my father. 

To explain further, my father and I share a similar name, with the exception of our middle initials. Further, our SSN differ by only the last number. On XX/XX/XXXX, my father filed for bankruptcy - this is the event that Equifax is reporting under my file and will not event under my file. 

I have explained to Equifax the above and have also provided screenshots from the Public Access to Court Electronic Records ( " PACER '' ) system reflecting that there are zero records under my SNN and three records under my father 's SSN, including the XX/XX/XXXX bankruptcy. 

When I filed my initial dispute in XXXX, I was told that I would receive a response within 30 days. However, I never received such information. It was not until after 30 days, when I called Equifax as a follow-up, that I was informed that the bureau had concluded that the bankruptcy did indeed belong to me - again, this is inaccurate as I have never filed for bankruptcy. When I inquired as to what investigation was performed to come to such conclusion the representative explained that their " back office '' handled the investigation, but that he was unable to provide any further information. 

On XX/XX/XXXX, I spoke with a representative who explained that the investigation was completed on XX/XX/XXXX. She then explained that the bureau had 30 days from the day it completed its investigation, i.e., XX/XX/XXXX, to provide me with an explanation. I then explained that the 30 days timeframe begins from the date of my dispute, not from the day the investigation is " completed. '' She then stated that her records show a letter was emailed to me but could not provide an exact date of when it was emailed ( I never received any emails from Equifax regarding the investigation results ). 

With respect to the documents I provided, I was told that their back office ( mailing center ) handles all faxes and that they had no ability of getting in contact with them. When I questioned the representative further, she did admit that they did in fact have an ability to contact the back office but they can't call them about this issue. 

The way Equifax appears to perform these dispute " investigations '' on a lack of facts or due diligence. Had a reasonable investigation been performed, my credit file would have been updated and corrected. I fear I am not the only consumer that has been treated this way and the credit bureau should be investigated for unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 15 year balloon-type mortgage on our home to which I would like to send self-directed biweekly payments electronically in order to pay my mortgage down more quickly than monthly payments. On advice of my CPA, I have always paid my mortgages on a biweekly basis on advice of my CPA. The banks to which I paid never refused to apply my payments on a biweekly basis. 
Wells Fargo states they informed us not prior to the day of closing that they DO NOT apply to principle anything less than 1 month 's full payment amount. Had I known this, I would NOT have proceeded with the Wells Fargo mortgage application in the first place. 

On XX/XX/XXXX, I received information which I have enclosed about an automatic payment program which can be set up either weekly, biweekly, or monthly. The purported benefit is that they in turn apply that extra 1 month payment yearly to your principle in order to pay it down quickly. In the print it states that they do not apply anything less than 1 month 's payment amount. So then, what is the benefit than to the consumer if they simply withdraw your funds either weekly or biweekly only to hold it in some escrow account until 1 month 's payment amount is accumulated? It is trickery on their part to disguise this payment plan as true biweekly amortization. It is not at all. I initially signed up for the automatic payment program until I re-read their document stating this sham of a biweekly payment policy. 
I have asked them on multiple occasions over the phone and in person at their XXXX branch as to why they refuse to apply my funds every two weeks. Their response is that they are unable to. This is not likely true. I can send in a credit card payment to my credit card company any number of times a month and it is applied to the principle. 
I could not back out of this loan at the day of closing, when it was disclosed to us that they do not apply any payment less than the full payment amount to my principle. We certainly could not back out on the closing at that point without getting into a legal entanglement with the sellers. 
I have my closing papers which are 26 pages long but can not upload them here. I can mail a copy via USPS if requested.

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 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by XXXX , XXXX on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no negative marks. 
I called XXXX who informed me that the debt was in relation to a visit to XXXX XXXX XXXX Hospital in XXXX or XX/XX/XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked XXXX what address the bill was sent to. I was told that it was sent to an address that I last lived in XX/XX/XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of XXXX and XXXX XXXX XXXX  Hospital. XXXX said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( Transunion ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX  Hospital XXXX in the XX/XX/XXXX/XX/XX/XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX Hospital XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX   Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, TXXXX XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2017-07-13
Company: SECURITY FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A few months ago I was looking a car so I could build my credit I looked on the internet and I found this place in  XXXX  where I have  to drive  to look at the car I wanted to buy they advertise that it would help me with my credit so I took the advantage and I bought the car from there thinking they will report it to their agency but since I have bought it they have not did  one  reported at all to any of the  XXXX  agencies Bureau. I have been paying for going on 6 months straight and they have not been reporting it at all and when it was time for me to pay off my car I call them and I spoke to them about it and they said they will update it as soon as possible they were having problems with a software I gave them weeks and weeks and they have not kept in touch they said they will report and update all the information but they have not done so I called them all the time and all they say is for me to wait I think it 's not fair for anyone to go through this I paid 6 months and also paid off the car and they still have not reported anything this is a scam Bank and they should pay for it now my credit is the same place and Have Not progress since I 'm missing every month I update for 6 months straight and a payoff which shall gave me at least a good  credit score  for me doing a wonderful job. So I traded the car and  XXXX  paid off the balance and because they were n't reported to the credit bureau my  credit score  interest was higher and they required more money down on the trade in, when I first did the deal with the bank I did a trade in and I also put {$4000.00} on top of it and they still ripped me off completely with paperworks, so this was a total loss for me and they are not making anything better to help the situation. I would like my initial down payment back if possible and have them report the correct information.

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 2017-07-13
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first noticed this account for collection ( Midland Credit Management ) when I checked my XXXX XXXX account. I never applied for credit for whom they are trying to collect for. In which I had a fraud alert on my credit report when I became aware of this claim. I sent this company a letter approximately XX/XX/16, stating that I did not owe this debt and that I would like to see debt validation to support their claim. They only did not comply with my letter, they sent another letter to me on XX/X/16 saying they were uncertain of what I was disputing and did not provide any information of how their investigation was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously asked my friend XXXX XXXX to type up & send this complaint for me and the company responded stating that you are not authorized to communicate with third parties without the appropriate authorization. The previous complaint # is XXXX. So here I decided to copy & paste the complaint ....
<P/>
I noticed this account is on my credit report. I filled dispute with the credit bureau, the collection agency verified the debt to the credit bureau, so then I wanted them to verify this to me and the following is what has happened. 1. On XXXX XXXX, 2017 I requested from Portfolio Recovery, signed application & statements for the above referenced account. ( ATTACHED ) 2. On XXXX XXXX, 2017 Portfolio Recovery responded requesting I sent the request for substantiation to XXXX XXXX XXXX XXXX VA XXXX. On XXXX XXXX 2017 I resent the original request from XXXX XXXX, 2017 to XXXX XXXX XXXX XXXX VA XXXX ( ATTACHED ) 3. On XXXX XXXX 2017 I received statements from Portfolio Recovery, however they were sent with out the signed credit application, so I responded back you on XXXX XXXX, 2017 requesting signed application ( ATTACHED ) 4. XXXX XXXX, 2017 I sent another letter advising Portfolio Recovery the address on the statements is an address I have never lived before and requested a fraud packet from them ( ATTACHED ) 5. On XXXX XXXX, 2017 again Portfolio Recovery sent me the same letter sent on XXXX XXXX, 2017 instead of sending me the fraud packet I requested on my previous letter to them on XXXX.XXXX.2017 ( ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to XXXX to discuss inaccurate posted information that has been reported to my credit bureau ( s ) with no actions taken to correct the inaccurate information by XXXX. 

My student loans have been unfairly and inaccurately posted 90 days late to all 3 credit bureaus and XXXX will not remove the incorrect information after numerous phone calls and letters being sent to the XXXX credit department. 

I feel that my loans have been unfairly and inaccurately reported because I was never notified via US Mail nor telephone call by XXXX. My loans have always been in deferment since my departure from University due to health issues related to me being XXXX XXXX XXXX XXXX and issues surrounding my XXXX XXXX injury. 

XXXX is saying I was 90 days late and the only reason I found out about this information is that I was alerted when my credit score dropped over 390 points one day. Unbeknownst to me, XXXX is stating that the sent me a message to my inbox on XXXX  website. I do not check this website ever, never have. And no one has ever told me that I need to check this website on a monthly basis to check the status of my account with XXXX. 

XXXX unfairly reported me to the 3 major credit bureaus and has ruined my credit to the point I may not be able to move from one apartment to another this summer when my lease is up. My score went from a XXXX to XXXX overnight because of their unfair billing tactics and failure to properly notify me that my loans were no longer in deferment. 

Since the unfair credit reporting incident. I have filed multiple applications with XXXX in order to get my account back into deferred status. This process is lengthy and time-consuming and all computer-based meaning you are unable to speak directly to a human being in regards to the status.You just have to wait. This unfair process caused me to accumulate more late months because their process is slow and unfair. After three months of trying to get my accounts current and back into deferred status, I was denied and I was able to submit an Income-driven repayment plan of which I was ultimately approved for. Monthly payments are now {$0.00} for the next 12 months based on my current income. 

I reached out to XXXX and told them about the inaccurate reporting and they have denied multiple requests to withdrawal their inaccurate and unfair reporting to the credit bureaus and I feel this is completely unfair. 

Please assist me in having XXXX remover the Negative reporting for all of my loans that have been reported to ; Experian, XXXX, and XXXX. 

Thank You 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 2019-05-08
Company: The J. G. Wentworth Company
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sold my structured settlement payments to JG Wentworth. In XX/XX/XXXX I received a settlement of $ XXXX/month for 25 years ( from XX/XX/XXXX to XX/XX/XXXX ) and a lump sum payment of {$500000.00} due to me in XX/XX/XXXX. In XX/XX/XXXX I sold 36 payments for {$75000.00}, in XX/XX/XXXX I sold 24 payments for $ XXXX, in XX/XX/XXXX I sold 60 payments for $ XXXX, in XX/XX/XXXXI sold 36 payments for $ XXXX, in XX/XX/XXXX I sold 48 payments for $ XXXX, in XX/XX/XXXXI sold 83 payments for $ XXXX. I feel scammed, violated taken advantage off ripped off by this company and their lawyers. They took out a lien on my XXXX  XXXX in XX/XX/XXXX claiming I owe them XXXX they sent me papers to appear in court in XXXX ( i live in the XXXX ny ) so I couldn't go because I couldn't afford a plane ticket and a lawyer and was bankrupt. I lost by default. In XXXX I tried to sell my XXXX to jgw but was told by a XXXX XXXX that he didn't want it so I tried XXXX, they told me we have a great relationship with jgw and will ask them to release the lein in california against your XXXX so we can buy it from you. I signed many papers from a California law firm and courthouse that I didn't understand. XXXX bought {$450000.00} from the {$500000.00} in XX/XX/XXXX and gave me {$170000.00} minus {$19000.00} I had to pay back to jgw. The only transaction that was approved by a judge was the last one, none of the $ XXXX monthly payment transactions were approved or seen by a judge. Please contact me for more information, I have copies of the contracts. Please help by reviewing contracts for wrongful doing, rip off etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am filing a complaint against Experian. I have filed a dispute with Experian in regards to inaccuracies on my credit report. There is a hard inquiry for a company name XXXX - XX/XX/2018. I did not authorize this inquiry nor know what the company is. I have researched it and contacted them which they stated to dispute with the credit agency. I contacted Experian and they stated I would have to contact the company which I did and got the response tomdislute via the credit bureau. In addition there is a bankruptcy on my credit report that I disputed and Experian states they verified it with the US Bankruptcy court. Which is a lie because I contacted the court and they stated they did not verify bankruptcy. I requested this in writing from the court and sent to Experian. In addition, I have provided proof that my XXXX  student loan was in deferment during the month of XX/XX/2018. However, they are showing 90 day late payment for XX/XX/2018 but on time payment for XX/XX/2018. That is conflicting, if my payment was 90 days late in XXXX why is XXXX showing good standing. My student loan was in deferment From XX/XX/2018 - XX/XX/2018.

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 2021-03-10
Company: TD BANK US HOLDING COMPANY
State: MD
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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