BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will call my lawyer and file a lawsuit if this is not removed ASAP!

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 2020-07-01
Company: Colony Brands, 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: Information belongs to someone else

Complaint:
I previously sent this company two letters on two different occasions letting them know that I was a victim of identity theft and that this was a fraudulent account and I had no knowledge of it until I was contacted by XXXX XXXX XXXX of the XXXX Police Department letting me know that they found fake identification cards on the suspect XXXX XXXX with my personal information on it. I sent this company a police report along with the FTC identity theft affidavit report, and they still did not delete this account and they say that they verified that this account belongs to me. As a result of this, I'm filing a complaint against this company with the FTC the BBB the Attorney General of my state in the CFPB accusing this company of willful non-compliance because they are not willing to remove this fraudulent account after I proved that I'm a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: DriveTime
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I recvd an auto loan from DriveTime in XX/XX/XXXX for a XXXX XXXX XXXX. The vehicle was to be used for work/home. Unknowingly, the vehicle was one with several recalls that caused the vehicle to constantly have issues that impaired the quality and driving of the vehicle. These issues also required me to take off work for repairs under their limites warranty service agreement. The loan was provided at a high interest and overtime, I notice the owed amount never reduced and I struggled to Mantain payments. The loan was then seemingly turned over to XXXX without my knowledge or consent. Their customer service is poor and collection tactics unethical. I constantly try to understand why The loan is still averaging {$16000.00} for a car that is worth {$4000.00} on today 's market. The reps continue to say this is what I agreed to. I believe I am a victim of a PREDATORY LOAN. I am in the process of modifying the loan so I can get leeway on the payment that are $ 400+ a month. However, the service rep XXXX XXXX was very rude and nasty towards me trying to understand why the loan originality dates did n't match up on the documents and that of the account online. Theywere pressuring me to sign the documents before the allowed 48 hour time frame and he continued to call and email and text me within that 48 hour frame that the approval for a modification was recvd. I  still have no answers to understanding the loan or why all these payments have n't reduced the owed amount. I also dont know why the loan is extended for another 3 years. I dont think I should be paying for a XX/XX/XXXX recall all the way until XX/XX/XXXX. That 's kind of scamy scary business. I need justification and clarity

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 2021-01-21
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
USBank Focus Card visa debit recieved my SS each month. On XXXX at XXXX multiple transaction went thru and I was notified via text alerts while I was at home. Contacted bank immediately and stopped my card and filed a dispute. Waited until The following Saturday 7 days later and I called the bank to inquire why I had not recieved the documents the stated were being mailed. Then I was provided a fax # which I then had them send documents via fax which I filled out and Faxed back. 13 days later I contacted bank again for status of my claim and was informed the case was closed as dispute team determined NO fraudulent charged occurred. USBank XXXX informed me she has no info WHY? And can not help us at all and apologized. I requested phone # to dispute dept and that could not be given to me. Currently XXXX was taken from my XXXX card that left me {$30.00} to my name. My hands are tied and told sorry. Please help 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 2018-04-02
Company: Experian Information Solutions Inc.
State: WA
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 found out in XX/XX/XXXX that I had 10 accounts opened in my name and I'm in $ XXXX of debt, when I applied for a rental application, I'm currently XXXX due to this. In XX/XX/XXXX I opened a credit card with XXXX. This is the only CC I've had or applied for personally. I checked my credit report and sure enough I have accounts opened that I didn't open and at least one opened in another state I haven't been to since XX/XX/XXXX. I also have employment history for places I didn't work at and addresses I never lived at. I'm a XXXX and I haven't talked to my dad in over 20yrs, so I would assume that maybe some could belong to him or someone else with a similar name.I disputed with XXXX. It's been over 30 days and there are still accounts that haven't come off.

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 2017-08-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some XXXX XXXX XXXX XXXX and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem 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 2021-02-22
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I sent a Deletion letter, XXXX # XXXX of this accounts settled payment, to TransUnion on XX/XX/2020. TransUnion file # XXXX has not removed this Collection from my credit report at all. Plus the Derogatory status of this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent XXXX a letter in XXXX to dispute incorrect information that two creditors have reported on my recent reports. XXXX XXXX reporting late payment for XX/XX/XXXX and XX/XX/XXXX. XXXX credit card showing late payment for XX/XX/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 2020-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
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 have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: ResidentCollect, Inc.
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: Their investigation did not fix an error on your report

Complaint:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these  derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violatio
n.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an FHA loan that was put into forbearance in XXXX. We made our last payment XX/XX/2020. Before that date we were current on our payments and never missed a payment ( we were current throughout our entire forbearance ). Our home was sold on XX/XX/2020 and the loan was paid off in full. However, our mortgage servicer ( Lakeview/XXXX  ) is not only reporting us 90 days late, they are showing us with a late payment in XX/XX/2020, two months after the close of our mortgage. We attempted to get prequalified to purchase a new home and have been unable to do so as a result of their negligence. 

We have been attempting to handle this with Lakeview/XXXX for the past two-three weeks with no success. They have promised someone would call multiple times which never happened. They sent a " letter '' to correct their mistake which was the same letter they sent on closing showing the loan was paid off. Originally, they said they had never reported us late to the credit bureaus, then required me to show them which credit bureaus were actually showing late. Once they had that information they said it will take 30 days to fix the problem even though it is their mistake. They are in clear violation of the Cares Act and the Fair Credit Reporting Act. I made all of my payments on time and fulfilled my obligation. Now, I am unable to purchase a new home due to them not only reporting me 90 days late, but reporting me late in XXXX 2 months after the close of the account. 

The email thread between myself and the mortgage provider is extensive. Today, I finally gave them until XXXX to call me to try to clear this up. It has been two weeks of them stringing me along. They said to give them time, someone would call. I said I needed someone to call today by XXXX ... they have had two weeks of time. They then said it would take 30 days to fix. I am tired, I did nothing wrong and I know I am not the only person who they have harmed in this manner. I am hoping by filing a complaint with you it will get someone's attention and possibly help someone else who has been harmed in the same manner.

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 2021-02-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in regards to a debt with Midland Credit Management. It stated XXXX XXXX was the original creditor. I sent Midland Credit Management a request for validation of the debt sometime last year via Usps regular mail. I havent received anything. I understand the pandemic has made processing of things a little slow, but its been almost a year. Im disputing this collection item. I have business with XXXX XXXX but not XXXX XXXX. Im requesting validation of this debt asap. Such as a credit agreement signed by me and documentation of the chain of custody of all paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've filed disputes onXX/XX/20,XX/XX/20, XX/XX/20, with XXXX  and on XX/XX/202 with XXXX  and XXXX  in regards to the inaccurate information being reported across all 3 beaus which have caused my scores to decrease for months. I've reported several times but the results were said to be accurate. some accounts were charged off on my credit report but yet it's was still being reported as open and past due. one account is XXXX  XXXX which is reported as past due for {$490.00} but it's in Collection. Another is for {$1000.00} with XXXX XXXX but had been charged off but was yet being reported as past due. another is portfolio recovery reporting inaccurate info across 3 bureaus posting an {$470.00} account as in collection on one beau but reoprting the same account on other beaus as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I see 30 day late marks which are a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On the XX/XX/XXXX I deposited XXXX into my coinbase account. They said it was not funded by my bank and took XXXX of assets out of my Coinbase wallet in return. However, XXXX XXXX DID fund the transfer and they are mistaken. I contacted XXXX for 4 weeks and they are ignoring me completely. I filed a fraud claim with wells and won. Now they are strong arming me and locked my account saying that I must pay them the XXXX I won or else they will take it from me. They are going to steal back the XXXX grand from me again! Im so upset and really need help. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
TOnight at XXXX is the deadline for my company to submit much needed funds from the PA XXXX Certification for Covid XXXX relief. I need to link my bank account for transfer and the system said 'this service may not be available. ' Seriously? I stand to lose XXXX $ grant over a glitch in your system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: OR
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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation