BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-28
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RECEIVABLES PERFORMANCE inserted fraudulent accounts into my credit file. Not only are these accounts getting inserted Receivables Performance is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform Receivables performance that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I noticed a charge of {$870.00} on XX/XX/XXXX on my credit card to a hotel in New York. I called that day to report that I did not charge that on my card. They told me that they would start a fraud case. 

On XX/XX/XXXX, I emailed them to see what they have done so far, and they sent out a generic email stating that it could take up to 90 days. 

I emailed them again on XX/XX/XXXX and then got another generic email stating it is being worked on. 
On XX/XX/XXXX I called fraud department because it has been over 90 days and they said they knew nothing about it..I spoke with " XXXX ''. He said that he would credit me that money along with any interest on it that was charged to me. That it would be credited to my cancelled card, which makes no sense because that card is cancelled and I have a new card. 

They have a duty to their customers to protect their cards from fraud, which they have not done!

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 monetary relief
Consumer complaint received 2021-05-06
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX DEBT Account opened XX/XX/2020 Term 1 month XXXX paid toward amount that Is due Total amount due Is {$800.00} Credit report number is XXXX report via experian Under Collections with Credence Resource Manager ... 
I didn't pay or have any knowledge of this XXXX XXXX XXXX  account opened to have paid any monies to it I indeed did not open such account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX IN THE AMOUNT OF {$1600.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX XXXX IN THE AMOUNT OF {$410.00} XXXX XXXX IN THE AMOUNT OF {$830.00} XXXX XXXX IN THE AMOUNT OF {$270.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.

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 2021-05-24
Company: DCI Credit Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/21 3 invoices sent by DCI to recover an alleged debt. DCI committed 27 Federally Protected Consumers Rights violations under 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Alco Collections, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never contacted or mailed any fees of the debt owed. I have tried calling and leaving messages with Alco Collections Inc since it was reported on my credit since XXXX of XXXX still no avail as of XX/XX/XXXX. Ive called the company that initiated the debt XX/XX/XXXX and was told theyll contact Alco Collections Inc. and never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: LoanCare, LLC
State: FL
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:
I refinanced with my existing mortgage company, loancare/XXXX XXXX. While processing over to my new refinance rate, they reported I was not current on my mortgage and subsequently, my credit was affected. I have asked them to correct the error but they have not nor have they emailed or mailed a letter to me to let me know what they are doing to resolve. 

I have since switched to a new company but would like loan care to resolve their error on 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 2020-06-24
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am filing this complaint based on the lawsuit filed against Santander Consumer USA. A lawsuit was filed against the company for financing and securitization of sub-prime auto loans in Maryland. I was a victim of this lawsuit ; I purchased a XXXX XXXX XXXX from XXXX XXXX and XXXX in XXXX MD, XXXX XXXX XXXX. My credit score at  the time was low, however I was approved for a vehicle through Santander banking, with an interest rate of 21.83 % .The amount financed is XXXX and with the interest I will be paying XXXX. I have paid approximately XXXX into the auto loan since XX/XX/2017. I have the Sales Contract and any other documentation that is needed for the complaint. This has caused me a hardship. I have made payment arrangements in the last year to apply payments on the end of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed a Bankruptcy that was placed on my Equifax credit report in XXXX an it was deleted from my report. Equifax then decided to reinsert that same inaccurate bankruptcy back on my credit report. This is violation of the Fair Credit Reporting Act. I have since then written letters to Equifax pertaining to this matter and I have not gotten a response. My latest letter was sent out in XXXX of XXXX  and Equifax never acknowledged the letter, nor did the respond at all. The Bankruptcy is still showing on my credit report an it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm trying to protect my credit file so I'm requesting a security PIN from the bureau 's ( XXXX, Equifax, XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) y name that is associated with my credit file is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions Inc.
State: NC
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:
Well over 30 days ago, I submitted investigation requests to all three credit bureaus : XXXX, Experian, and XXXX XXXX. They should have responded with the result by now, but they have not.

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 2018-10-17
Company: EQUIFAX, INC.
State: SC
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:
I sent requests to update my address information on XX/XX/2018 and XX/XX/2018 as follows : The only addresses that relate to my past 7 years of residence is : 1. XXXX XXXX XXXX, XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Also the name listed with the middle initial " XXXX   '' as XXXX XXXX XXXX. My middle initial is " XXXX '' and I have provided State and Government ID to prove this information, but it continues to appear on my credit report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: S & S Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today on XX/XX/2018 This company called my place of employment at least 3 time or more times. between XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
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:
XXXX XXXX from FNB of PA sent me an email on XX/XX/2020 at XXXX with a pdf file attached, which said my XX/XX/2020 payment was late. I responded the same day on XX/XX/2020 at XXXX to FNB of PA and informed them I had already paid my mortgage to them in sum of XXXX via my XXXX XXXX . I have attached a copy of this correspondence. I also spoke to the assistant branch manager at the XXXX, MD location for FNB of PA on XX/XX/2020 regarding FNB mortgage dept. not getting back to me regarding them reporting negatively on my credit, after I was told previously by the telephone representatives with FNB of PA in XX/XX/2020 that they would allow me to send them information showing that my bank ( XXXX XXXX ) paid the wrong mortgage company. Attached is the correspondence from me to XXXX at FNB of PA. I was told by FNB of PA that the mortgage dept wanted my cancelled check from my bank ( XXXX ) showing that I had paid my second mortgage company and first national bank in XX/XX/2020, but that XXXX XXXX  sent both checks to XXXX XXXX ( my second mortgage company ). XXXX XXXX  made both checks payable to XXXX XXXX ( my 2nd mortgage company ), although I wrote in the memo of the check the loan-account number for FNB of PA. I found out later it was an error with their ( XXXX ) system which is why one check had a loan number for FNB and one check had the loan number for my second mortgage company in the memo. On XX/XX/2020, FNB of PA  responded to my emails and said that the mortgage company for FNB agreed to remove the negative reporting that my mortgage was late XXXX 2020 since I could show that I paid them. I had filed a compliant with XXXX  on XX/XX/2020 because FNB mortgage dept was taking too long to respond to me. However, the letter FNB sent in response to my XXXX XXXX XXXX and a previous CFPB complaint, said they were giving me back a late fee, but it did not say they were ALSO removing the information from my credit report as they previously agreed. FNB of PA mortgage dept had previously said they would do so once I showed them I had in fact issued a check from my bank to them with the loan number to FNB in the memo of the check and not to my second mortgage company. I am requesting that they remove the negative information from my credit report, as they previously agreed on XX/XX/2020. It was not my fault, I initially thought I did something wrong with XXXX but I did not, I did input the right information and loan number but my bank sent it to wrong company. I also attached the cancelled checks from XXXX XXXX  which supports the loan number in the memo was for FNB in  XX/XX/2020 and not my second mortgage company. I need FNP to  do what they said they would do, remove the negative report from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money XXXX XXXX IdXXXX .its not fair its bringing my score down badily

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: I.C. System, 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:
XXXX is FRAUDULANTLY REPORTING a delinquent account that they have full knowledge was fraudulantly created by their own sales representative seeking a commission. 

Some 2 years ago, a XXXX installer knocked on my door to install XXXX cable service that XXXX ) I never ordered, 2 ) had no knowledge of and 3 ) I DECLINED ANY INSTALLATION OF OR SERVICE. 

This all took place after I moved to my current residence at XXXX XXXX XXXX XXXX, XXXX XXXX Florida, where I have NEVER HAD XXXX EQUIPMENT OR SERVICE OF ANY KIND ( including without limitation internet, cable or any other service from XXXX XXXX. 

The installer determined that some XXXX SALES REP created the fake account to earn a commission. The XXXX installer told me I needed to call XXXX to correct, which I did on at least 5 occasions. Rather than following the paperwork to determine WHO AT XXXX CREATED THE FRAUDULANT ACCOUNT TO BEGIN WITH, XXXX continued to arrogantly make it my problem. XXXX HAS NEVER PROVIDED EVEN A DAYS WORTH OR SERVICE OF ANY KIND TO ME AT THIS HOME ( we have and continue to use XXXX XXXX from day 1 ). 

XXXX and their collection agenecies have been notified of the FRAUD ad nauseum, but continue to take no responsibility to fix the problem ( which could easily be fixed by them merely tracking their sale rep that created the fake account to begin with ). They are a company that is too big to care, and instead WRONGFULLY AND FRAUDULANTLY made the intentional bad faith decision to report this fake account to my credit, causing significant actual damages to me and my finances. 

This is wrongful, intentional and deserving of punitive damages - they need to be punished for these careless, lazy and completely wrongful bad-faith actions. 

XXXX has been notified of the above NUMEROUS TIMES on RECORDED LINES, which I hereby request access to under the Freedom of Information Act.

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 2020-08-28
Company: Experian Information Solutions 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:
XXXX XXXX was found to be opened do to the XXXX  data breach it was deleted by XXXX  do to this being a part of the XXXX   Data breach

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 2019-03-25
Company: EQUIFAX, INC.
State: PA
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 a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money XXXX XXXX XXXX XXXX not fair its bringing my score down badily

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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 have a mortgage account with XXXX XXXX that was removed in error by XXXX  and Transunion. I would like for this account to be added to 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 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I have been working on having my credit reports updated and corrected for months. Ive sent multiple letters starting the beginning of the year. To please have All inaccurate and unverifiable information removed off my credit reports, I have not been updated or notified, please remove all information or I will have to file for litigation,

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 2018-10-17
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 have a mortgage account with XXXX XXXX that was removed in error by Equifax and XXXX. I would like for this account to be added to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi, I am writing this complaint on ( Experian Rent Bureau ). First they keep saying they didn't get my dispute letters in mail. Which is impossible cause i have tracking number and it says it was delivered. 

So XXXX XXXX XXXX put a account on on Rent Bureau report i found out about it in XXXX. Then In XXXX they put it on all the Credit Bureaus. I informed Experain, XXXX and XXXX  this was a fraudulent account. All three credit bureaus deleted the XXXX XXXX XXXX off my report within 4 business. 

Experain Rent Bureau told me they have to contact XXXX XXXX XXXX to delete this account and it will take 30 days. 

I am making this formal complaint because the FCRA 605B clearly states that the credit buraues has four business days to block this information my report.

How can Experain delete this off my report but the Rent Bureau section wont delete this off my account.

Rent Bureau still falls under the FCRA and should follow the rules. 

FCRA clearly states : Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Attached is a police report and dispute letter

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 2022-07-05
Company: AMERICAN EXPRESS COMPANY
State: IL
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: Problem with personal statement of dispute

Complaint:
Good afternoon, I have recently filed a dispute regarding 2 payments that were deemed late. The reason I could not make the payments on time was due to me losing my job during the covid pandemic. I called my banks and informed them of my situation and they informed me that I would get an extension for my payments. Now I have noticed that these late payments completely ruined my credit score. I have only ever made 2 late payments in my total credit history and it was due to the negative affects of Covid 19. I appreciate this help greatly.

Company response to consumer: Closed with explanation