BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account XXXX XXXX police case # XXXX I filed an identity theft and police report on XX/XX/XXXX XXXX a copy of both was sent to the National credit adjusters on XX/XX/2020. They continue to call and refuse to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
During my investigation LexisNexis states and reported that I lived at   XXXX   XXXX   XXXX     XXXX   XXXX   NY or is accurately associated with myself at time of claim in question dated  X/XX/13 . What I have found is there is no such address on   XXXX   XXXX   NY. The road does n't even exist.or address. This is completely false and inaccurate information. If said address even exist or road please provide said proof that   XXXX   XXXX   XXXX      XXXX   XXXX   NY. is factually as they claim. Given this false statement as they provided on four occasions as verified proof. They must remove the entire incident that occurred on  X/XX/13  as it is flawed with false statements also inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Some one open up checking account from US Bank without my knowledge there was a debt card inside it was for unemployment the letter came from the State of Colorado Idid n't apply for unemployment benifits This is a case of fraud I did not open up any checking account from US Bank This checking should be closed.

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 2018-07-04
Company: Resurgent Capital Services L.P.
State: TX
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:
The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with XXXX  and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX. 
XXXX XXXX  closed this account on XX/XX/XXXX and charged it off. 

XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX  XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED  ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX  is reporting : XXXX XXXX XXXX   XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have wrote a letter to Transunion, in regards to inquiries on my credit report that. I did not authorized so they would not remove them so I call in on XXXX XXXX Representative name XXXX would not help take care of the unauthorized inquiries that being report I call back to day and take with XXXX, the rep. She said that she can not dispute or remove them I have to Waite 2years and they will drop off I explain to her that I didn't authorize them .can you help me get these inquiries off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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:
Upon checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: RateGenius Loan Services Inc
State: TN
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:
I put in information through XXXX XXXX on XX/XX/2020 at XXXX XXXX. I clicked on Rate Genius 2.25 % for 48 months and continued from there. I never gave my full social security number to ANYONE. I used this chat feature on Rate Genius to ask how they could send me loan offers without running my credit because they didn't have my social. I wanted to make sure that this company would not do any hard inquiry on my credit, as I was just shopping around at the time and wanted to see what I could find. The person said " we don't need your social to get you approved. '' I looked today and I have received THREE hard inquiries to my credit score! What's worse -- the offer they actually sent over was a full 1.25 % higher than the " pre-approved '' rate. I reached out to Rate Genius and they said " you gave us express written permission to retrieve your credit when you clicked " continue '' on XXXX XXXX and Rate Genius. They never had my info to run it, so they somehow found it and ran it saying that I gave them express permission to do so! This is completely unacceptable and absolutely unethical. Tiny fine print that allowed them to make three hard inquires -- and the person from the company told me the social wasn't even needed to continue. This company should not be allowed to continue doing this to innocent people!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX, a collections attorney, has pulled FOUR hard inquiries on my Experian file without my permission TO INTENTIONALLY DAMAGE my credit when he could get the same information from a soft inquiry. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2017-08-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX/XXXX is on my credit report that I never authorized. The hard inquiry was made on XXXX XXXX, 2016. I never made this inquiry at all. I world like it removed from my credit report a soon a possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind on our mortgage after a go karting accident and struggled to pay, but once we started paying again they stopped taking payments and have not reviewed our loss mitigation package.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This bank has very poor security. Anyone can call in with someones DOB and Last-4-SSN and receive basic account information ( balances and joint holders ). I requested that I wanted to add a verbal password/passphrase and/or PIN to the account so that this information is more secure and they refused. 

As you know DOB/Last-4-SSN is widely available to a lot of people, especially on the dark web. 

This is very bad practice, I do not recommend banking with Capital One, Capital One 360 until this security flaw is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: SYNCHRONY FINANCIAL
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/2019 I received a notice from XXXX XXXX that there was a new hard inquiry on my XXXX  credit report from PayPal. I did not apply for any credit at that time. On or about XX/XX/2019 I called PayPal and informed them. I was transferred to there " security '' section. They informed me that an application was submitted in my name, but the information submitted didn't match mine. They considered it a fraudulent application and denied the credit. They also informed me they would submit to have the inquiry removed from my XXXX  report and put an alert on my account ( I have no account with them ). On XX/XX/2019, another hard inquiry appeared on my XXXX  report from PayPal. Again, I contacted them ( spoke with XXXX ) and informed them I had not applied for credit. He informed me that again, the information didn't match mine and they considered it fraudulent. I even received a letter from them stating credit was denied because of " Risk of Invalid Identity ''. He informed me that they would resubmit to have the XX/XX/XXXX hard inquiry removed and have the XX/XX/XXXX hard inquiry removed. To date, both hard inquiries remain on my XXXX  credit report. I contacted XXXX  and was told there was nothing they could do to remove the fraudulent inquiries. I have since put a fraud alert on all three major reporting agencies due to the attempted identity theft.

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 2021-03-01
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I consumer XXXX XXXX of the U.S as defined under 28 USC 3002 a federal corporation. And anything with my credit card pursuant to 15 USC 1601 is obligation of the U.S. I XXXX XXXX never entered a consumer transaction or gave any content with Ability Recovery Services ( third party debt collector ) to obtain any of my information. Pursuant to 15 USC 1692b Ability Recovery Services has violated many federal laws they states i owes a debt which is clear violation of 15 USC 1692b ( 2 ), they sent mail with there symbols and logo which is violation of 15 USC 1692b ( 5 ) I sent company Affidavit of Truth, along with Cease and Desist, attached with invoice for federal violations under FDCPA, along with with validation of debt letter!! Company calls and harassing me during time I am not available!

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 2020-01-28
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Hunter Warfield XX/XX/XXXX claiming I owe XXXX   XXXX  XXXX. I requested debt validation and sent my documentation proving I did not owe the debt on XX/XX/XXXX and did not receive validation until XX/XX/XXXX after I filed a complaint with the XXXX   XXXX  XXXX  on XX/XX/XXXX. There is a buyout clause in the original contract that states 30 day notice and one months rent which I followed XX/XX/XXXX. Hunter Warfield stated they did not agree with the buyout clause even though I have documentation including contract, 30 day notice, and vacate letter along with certified mail confirmation. Hunter Warfield sent me a contract on XX/XX/XXXX that is a falsified document and my signatures have been forged. I have been in contact with the XXXX  XXXX  XXXX of West Florida since XX/XX/XXXX and have resent all documentation to Hunter Warfield on XX/XX/XXXX disputing the debt again. Today, XX/XX/XXXX they reported as collection account on my credit, bringing my excellent credit score down 85 points. I have all documentation to prove I do not owe this debt and that Hunter Warfield is using a falsified rental contract to report that I owe this debt.

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 2018-09-22
Company: Del Toro Loan Servicing, Inc
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I sold a condo in XXXX of this year. We accepted a down payment from the buyer and agreed to let the buyer make interest-only monthly payments of {$3400.00} for a few months until he paid off the remaining principal of {$910000.00}. 
At our realtor 's suggestion, we enlisted Del Toro Loan Servicing Inc to collect the buyer 's payments and deposit them to our bank account, all loan expenses to be paid by the buyer. 
The buyer paid off the loan on XX/XX/XXXX along with his final interest payment. 
We expected that payment to be {$910000.00} plus {$3400.00} equals {$920000.00}. 
Instead, the deposit to our account was for {$920000.00}. 
When I asked Del Toro why the payment was {$110.00} shy, I was told it was because the buyer was one day early with his payment.

My agreement was with Del Toro, not the buyer. I really don't care about the timing of the buyer 's payment to Del Toro.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: First Data Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2018 at exactly XXXX XXXX I stopped at XXXX XXXX XXXX on XXXX XXXX in XXXX, TN XXXX. I purchased exactly {$10.00} in gas at the pump which turns out that FIRST DATA does the card processing for. 

Exactly 5 minutes later, FIRST DATA emptied the rest of my bank account without my permission or knowledge totaling {$39.00}. 

My debit card is issued through XXXX and when called, they said that they could not do anything about it. 
I contacted, or at least tried many times to contact all the misleading numbers for FIRST DATA and when i finally got an answer was told that they would contact the " right people. '' I have since contacted the XXXX about FIRST DATA and the negative reports that this company FIRST DATA has going back years is mind blowing! 

That fact that this company is allowed to ruin small businesses and flat out rip off citizens by the thousands and still be in business all these years is outstanding! 

The owner and the management should be behind bars for numerous felonies.

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 2017-08-01
Company: NCC Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
At the beginning of XX/XX/XXXX, my husband and I started the home buying process. We quickly were stopped in our tracks because of a collection account that was on my credit report. This account was from NCC Business services and this was the first time I had been made aware of this account. The apartment complex is XXXX XXXX XXXX in XXXX, NC. I paid XXXX XXXX Apartments when I moved out XX/XX/XXXX. When I turned in my keys, no one at the apartment complex informed me of any monies owed. I never received a letter, email or phone call from XXXX XXXX XXXX. I reached out to NCC Business services on several occasions. On XX/XX/XXXX, I sent out a letter requesting them to validate the debt ; they replied and sent back random pages of my lease agreement, which did not prove or validate the debt. I sent another letter on XX/XX/XXXX to once again validate the debt. The replied and sent back a ledger from the apartment complex that had numerous fraudulent charges including, but not limited to " pet damage ''. I just mention that specific one as I did not own a pet at that residence and the apartment complex verified that. I called the apartment complex, XXXX XXXX XXXX XX/XX/XXXX and spoke with the lease manager at which time she could not verify that I owed these monies and told me it was " out of her hands now that it was sold to the collection agency. '' I informed her that I never received this ledger or notification that I owed them money. Her reply was that they did n't have a forwarding address, so they could n't send it to me, although I noted to her that they did have my email address and phone number, to which she agreed. They did agree to take off the " pet damage '' charge, which they did, but would not take off the other charges. I would like to dispute this charge as it is keeping me from buying a home and it is fraudulent. I also asked NCC Business Services that if I paid it in full ( hypothetically ), would it be deleted off of my credit report. NCC replied and stated that it would not be deleted, just noted that it was " paid in full. '' This is not helpful, as the collection will still be visible to lenders and will still keep me from purchasing a home. This should not be the case. If they can not prove that I owe them, especially since they did not do a walk through on the day I moved out, this should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX TransUnion and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX is listed TWICE on my credit report, for 2 different amounts. FCRA Violation. 

3. Both accounts are being RE-AGED FCRA Violation. 
3 different dates on each credit bureau. Date of Last Activity is being RE-AGED every month. 

4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX XXXX, and TransUnion correct and remove this inaccurate info from my credit report. 


5.

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