BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-26
Company: Credit Wise Recovery Solution LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
An account is being shown on my credit report as negative and delinquent, when it's been paid off for nearly 3 years. It was a XXXX XXXX card that was lost, and forgotten about. Eventually it went into collection unbeknownst to me. Once I was contacted by a collection agency, I paid it off immediately. The collections company is not listed on my report, so I have no way of contacting them. How long does my credit need to be punished for this? It's been long paid off. I have never missed another payment on any credit card or loan in a very long time. I'm climbing out of a credit mess, finally with good credit, yet this is still holding me back.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: FL
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 sent in dispute letters to all 3 bureaus for 5 months now and no changes and no replies. There are inquires that are on my credit and I have no knowledge of them. i have asked for proof and got nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Medical Data Systems, Inc.
State: GA
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:
Hello, My name is XXXX XXXX and I recently got a denial letter from a Property Management company I applied with. After obtaining a copy of my credit report, I discovered some major issues that need to be addressed. 

I found one account and several inquiries that I'm not familiar with. 

I need XXXX to fix this inaccurate and unverified information immediately. I have been denied numerous credit based oppurtunities due to this erroneous information. Two property management companies have declined my application for a place to reside. Please don't leave it this way, I need your help! I have explained to XXXX numerous times this account is definitely NOT mine. The above account should not be reporting on my credit profile. 

This is a FCRA Violation and this account needs to be deleted immediately. I will be forced to seek Legal counsel if this matter is not resolved promptly. I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THIS IS OUTRAGEOUS I WOULD NOT BELIEVE THIS ONE IF SOMEONE TOLD ME IT : I have been waiting on hold now for over an hour the lady was very sweet but XXXX of my money has disappeared leaving my account over drawn to the tune of {$890.00} and no one has heard or seen anything. 

I am sorry for maybe looking like the face of evil, but XXXX  are just not accustomed to this type of treatment luckily XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or it could be a real situation Huntington Bank would have on their hands. 

I don't think I am out of line in saying that this bank is a bunch of crooks that have robbed me without a mask or a XXXX several times and someone needs to get a handle on this problem... 

I am really at a lose for words here. 

***yet another duplicate transaction for XXXX dollars on the same day has come into my account on XX/XX/02

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, the consumer sent all 3 credit bureaus XXXX, XXXX, and TransUnion a removal letter through certified mail. The dispute letters were sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent all 3 letters with a green return receipt and only two of those corporations have signed saying they received them. Under federal law, these corporations have violated me as a consumer. XXXX, XXXX, and TransUnion 's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but the corporation. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX. ) My name legally is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX or XXXX XXXX XXXX. ) I have one address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX Remove all others XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX. ) My employment is blank. It should be XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: Experian Information Solutions Inc.
State: AR
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/219 got a letter from XXXX XXXX indicating they are unable to re-insert my 2 accounts XXXX back into a bureaus as required by law. see attached.

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 2019-03-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to fix my credit ever since I was released and learned about this mess. Court records clearly states that my identity and information was being used by someone else starting in XXXX and the guy got 30 years for fraud in XXXX. I was incarcerated from the end of XXXX to XX/XX/XXXX and its very clear that it was not me ruining my credit. Please take a extra moment and look into this.

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 2020-11-25
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Call from XXXX XXXX XXXX XXXX. Time and date : XXXX, XXXX XXXX, 2020 ; XXXX XXXX. Unanswered. Left no message. Unrecognized number. I called back on a computer VOIP, pressed 1 for English, and a man answered : " [ Unintelligible ] debt agency. '' I disconnected. In an attempt to hear the name, I called again via VOIP hours later. This time, a man immediately said, " May I have the phone number where you received a call from us? '' He did not name the " business ''. I disconnected. This is an unknown number, unknown cause, and scammy lack of leaving a message. The site " ReportedCalls '', XXXX  : XXXX, shows " XXXX XXXX XXXX XXXX  XXXX and 10 complaints to FTC. However, this was not the name given. ( And in second call, no name was given. ) I suspect XXXX XXXX, about which I also filed a complaint for unknown unsubstantiated calls, " sold '' my number to this scammer after the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Uplift, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon review of my credit report I see a negative account report from a company named Uplift. I have attempted to reach this company via certified mail, asking for them to validate the debt as well as list it as DISPUTED on my credit report. The certified letter I mail was received by Uplift on XX/XX/2021. I have yet to receive a response from the company. They have NOT verified the debt and have NOT listed the account as disputed on my credit report. I have proof that the verification of debt request was received on XX/XX/2021 by Uplift and I have proof on my credit report it is not listed as disputed. They are in clear violation of the FCRA & FDCPA which protects consumers and allows us to request verification, and if none is provided within a 30 day time frame it must be removed from our credit report. I expect that this company will comply with the laws set forth and remove this item from my credit report in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX I took out a loan with XXXX XXXX XX/XX/2019 The Loan was sold to XXXX XXXX. 
The Loan was sold to XXXX XXXX  The Loan as sold to CMC Funding The Loan was transferred to SLS Funding. 

It seems like there was one more in there but it has been sold so many times it is hard to keep up with. 
The day the Loan was sold from XXXX XXXX to XXXX XXXX. I made a principal payment of {$1200.00}. This was not reflected in my mortgage balance. XXXX XXXX acknowledges this and sent the payment to XXXX XXXX. XXXX XXXX  acknowledges this and sent the money XXXX XXXX XXXX XXXX XXXX  provided me the wire confirmation number for this transaction. This IMAD number is ( happy to provide and given to them ). I have sent my bank statement to SLS ( Specialized Loan Servicing ) it is in their email files. I opened a case with them and they declined to correct my balance. I asked them to reopen the case they refused. I contacted my US Representative and he said reach out to them again and I did. The sent an email saying someone form customer service would contact me but they have not. My US Representative directed me to the CFPB and that is the reason I am reaching out to you. I have all of the supporting documentation. I have never dealt with anyone with such poor customer service. They emphatically told me they would not reopen this and yet they have provided no explanation. I sent in the Wire confirmation information above and my bank statement and they told me to provide proof. Although they didn't suggest anything else for me to send in. I just want my account corrected. PLEASE HELP. THANKS!

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 2023-01-26
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:
I acquired my credit report and asked the credit bureaus to check and make sure that everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice and everything was still the same on the Account name : XXXX XXXX XXXX  Account # XXXX The consumer reporting agency which is Transunion did not modify or remove anything. 

The date open is not correct, date last active is not correct and the date of last payment is not correct, also the amount owed is not correct on all three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

Transunion has violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a cash advance balance on a US Bank credit card as well as a purchase balance at a lower interest rate. Each month after paying at least the minimum payment the cash advance balance has been increasing month over month despite the fact that I have not taken any new cash advances. I called on Thursday XX/XX/2020 to complain about this unfair practice which effectively increases the interest rate on my overall outstanding balance every month in violation of the Fair Credit Billing Act specifically 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing 1666i1. Limits on interest rate, fee, and finance charge increases applicable to outstanding balances which states that " ( a ) In general In the case of any credit card account under an open end consumer credit plan, no creditor may increase any annual percentage rate, fee, or finance charge applicable to any outstanding balance ''. The representative explained that the increase in the interest rate on my overall outstanding balance on the credit card was happening because US Bank 's policy is to apply the cash advance interest charges to the cash advance balance and then apply the minimum payment to the lowest interest rate balance first which causes the cash advance balance to increase every month despite the fact that no new cash advances have been taken. It is my contention that US Bank 's policy is in violation of Federal law since it has the effect of increasing the overall interest rate on my outstanding credit card balance each month. After checking my statement with another credit card I have with XXXX XXXX XXXX on which I also similarly carry a purchase balance as well as a cash advance balance at a higher rate I confirmed that they do not engage in this unfair and arguably illegal practice as US Bank does. Despite explaining the issue to US Bank at length and informing them that their unfair practice was likely a violation of the Fair Credit Billing Act they steadfastly refused to change their policy to conform with Federal Law.

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 2022-12-13
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ad XXXX XXXX has violated my rights according to 15 U.S.C 1692g- Validation of debts section ( a ) Notice of debt Contents, also 15 U.S.C 1692g- Validation of debt section ( B ) Disputed debts. I am disputing XXXX accounts. Account number XXXX. I sent my dispute letter XXXX XXXX certified mail tracking number XXXX it was delivered XX/XX/2022. I did not receive any return mail within XXXX business days after received my dispute to acknowledge that their company has received my dispute and or working to investigate it. Nor did I receive any documentation as to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: JH Portfolio Debt Equities, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Jh portfolio kept calling me and said that I owed them money I asked them to validate the debt.I never received a validation of debt from them instead they decided to sue me for a debt I never had.i answered the lawsuit and I put in a counterclaim for harrassment and fraud.i sent a certified letter to them and asked them for a signed copy of the contract.i never received this.i have also put in a dispute with XXXX to have this removed from 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 2019-03-26
Company: Credit Card Receivables Fund Incorporated
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had several phone calls latter part of 2018 about a credit card balance. I told collector each time that did not or ever have an account with the credit card company and that it was not my debt. They tried to cajole me to then identify whose it was but I stated it was not me responsibility to assist in that effort. Then in XXXX I got a certified letter from attorney XXXX XXXX XXXX with XXXX XXXX XXXX XXXX of XXXX instructing me to pay them and insinuating legal action if I did not.I call their firm and told the answerer that they hand made an error. I sent a certified response again telling them it was not my debt that I never had any dealings with the credit card company or the debt collector. I did not ask for any support documents but they replied with copies of account statements and those statements clearly show the account holder being a different address, different birthday, and I assume a different phone. It is clearly not me. Then on XX/XX/XXXX these people filed suit against me in Magistrate court for the debt. They have ignored my repeated attempts to clear this up. It is obvious and immediately evident that it is not my debt. I suspect they used the roughshod tactics to intimidate me into paying others debt. I intend to counter sue them for possible credit rating issues, defamation, and stress and aggrivation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
called the company twice no change

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 2019-03-26
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Letter and documentation attached. 

1st Complaint XXXX Aargon 's response dated XX/XX/XXXX did not provide any proof or description of method of notififying me in violation of Section 809 of Fair Debt Collection Practice Act. In addition, their alleged debt validation dated XX/XX/XXXX is not valid and in violation of Section 809 of the Fair Debt Collections Act as detailed in my letter to them. 

Aargon continues to knowingly violate the law in their unethical practices by writing vague/non descriptive responses to obfuscate the truth.

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 2019-03-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a delinquency notice from XXXX XXXX on XX/XX/XXXX that our taxes that were due on XX/XX/XXXX were not paid by our mortgage servicer, Lakeview Loan Servicing , LLC ( aka. XXXX  ). The XX/XX/XXXX taxes were paid nearly a month late on XX/XX/XXXX according to XXXX  account within the Payment History section. 

After a month of phone calls, on XX/XX/XXXX, XXXX finally paid {$1400.00} of the {$1400.00} that were due XX/XX/XXXX, which left us with an outstanding balance of {$51.00}. We were told by a Lakeview manager that the {$30.00} in late fees were paid from a separate Lakeview account that we do not have access to. See attached ( Re : Tax Bill and Payment History ). 

All phone calls after XX/XX/XXXX have been unanswered and no messages have been returned by a Lakeview representative.

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 2019-03-26
Company: EQUIFAX, INC.
State: GA
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 reached out to All 3 credit bureaus and no one seem to resolve the issue with the inquired on my credit reports. I havent ran my credit and need these removed in order to purchase a home in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Ameritech Financial
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was working with American Financial Benefits Center, which ended up being a scam and has recently been shut down and is being sued by the United States Government. I joined in the XX/XX/XXXX-XX/XX/XXXX school year and lost thousands of dollars because of this scheme.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-26
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.

Company response to consumer: Closed with explanation