BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: Consumer Portfolio Services, Inc.
State: MD
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:
XX/XX/2020 after reviewing my personal credit report ; a unauthorized inquiry from CONSUMER PORTFOLIO SERVI located at XXXX XXXX XXXX XXXX XXXX, CA XXXX showed on my XXXX  credit file. I'm requesting signed verification or a immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had to take my son to the hospital and he was on my insurance. I paid my portion of what i was supposed to pay and now i have a collection on my credit report. I have tried to get this to be removed but it has not been successful. Please help

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 2021-12-01
Company: CITIBANK, N.A.
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:
I opened a previous complaint about this issue, XXXX. 

After contacting the company in XXXX that owns the cafe 's on the ferries, it was determined that I was wrong about the charge. It was apparently not from a purchase in a cafe. As I continued to dig I uncovered more information. 
First, thank you for contacting CITI Bank. Only after they received your notice of my complaint did they actually do something to help. They obtained a copy of the receipt and shared that with me. The signature on that receipt is not mine. 

I will upload the email correspondence with the cafe parent company and my correspondence with Citi Bank as this matter unfolded. 

Citi has once again closed this case and consider this to be my responsibility. Whereas before I was concerned about being grossly overcharged, now I am fairly certain this was a fraudulent charge made without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
One of my credit accounts is was not showing on XXXX,. I called my Credit Card company ( XXXX XXXX ) and they were able to immediately add me to XXXX over the phone. 

XXXX XXXX instructed me to contact Equifax and XXXX. I called both companies and received no help over the phone. I sent a letter to both Equifax and XXXX. To add my account to my credit report. 

I got a letter from XXXX along with a copy of my credit report showing that the account was added and was resolved. 

I got a letter from Equifax stating there was nothing that they can do and that I must contact XXXX XXXX. Well XXXX XXXX insists Equifax has to fix the problem. Clearly XXXX was able to fix the error with the information provided. I want to buy a house in two or three years time and I would like my credit score to be correct once I am ready to apply for a loan. 

How to I have someone at Equifax do their job and stop passing the buck. Bad enough they do not secure our personal information and have data breaches. 

Equifax, one of the three largest consumer credit reporting agencies in the United States, announced in XX/XX/2017 that its systems had been breached and the sensitive personal data of 148 million Americans had been compromised. ... The Equifax breach is unprecedented in scope and severity. 

Why does the Government not shut down this lazy hack of a company? 

How can I get this company to report accurate information???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, 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:
There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect  Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( Equifax ) Incorrect Name :  XXXX ( XXXX  ) Incorrect Name : XXXX ( Equifax ) The following accounts status is reporting inaccurate. I was never late on the following accounts : Dept of Education XXXX Open XX/XX/XXXX Bal. {$3500.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$3100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$860.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2100.00} ( I was never 90, 120, 150, or 180 days late ) XXXX Open XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following accounts does not belong to me/ Result of Identity Theft : XXXX Open XX/XX/XXXX Balance : XXXX ( Equifax , XXXX, and XXXX  ) XXXX XXXX Date Open XX/XX/XXXX Bal. XXXX ( XXXX  and Equifax ) Bankruptcy Chapter XXXX  ( XXXX  and XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
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:
Just checked my Equifax report and found that my score had been reduced XXXX points and I have NOT paid any creditor late. I disputed payment had occurred in XX/XX/2018 on the XXXX XXXX account but was corrected by the Company. I contacted the the company but was just given general information and told to contact a local lender

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX keeps contacting and harassing me. They are a 3rd party debt collection agency. One debt is for XXXX and the other debt is XXXX. I do not owe them any money. I filed an Identity theft report and locked my credit report years ago. This debt was with Lvnv and shouldve been removed form my credit report. when I checked its not on there. What gives them the right to come to me 15 years later and say I owe them money. 

I dont want them contacting me again the debts are not mine and not theirs to collect on. 
This is wrong and not fair to me. So before they go lying Im filing this complaint. I ve filed with them online letting them know I dont owe them any money Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: MO
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:
They do not want to remove and address that i dont live at.

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 2021-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Select Portfolio has avoided answering my questions in QWRs and DVLs. They state that their authority comes from XXXX XXXX  as XXXX. XXXXXXXX XXXX states they have no such authority and are nominal. .SPS refers back to reports and labels used by themselves, which is not an answer to my questions. They have yet to provide evidence of, ownership or authority over the alleged debt. 
I have never received a notice signed by an officer of XXXX XXXX stating that it is the XXXX that owns any obligation owed by me to the trust. Nor have i received a notice signed by an officer of XXXX XXXX  that states that SPS is appointed servicer of my account receivable, as owned by XXXX XXXX XXXX for the trust, there is no direct assertion that either SPS or XXXXXXXX XXXX is involved. 
They have also refused to directly address accounting defects, while at the same time attempting to coerce me to accept a trial modification with threats of legal proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Intentionally and deliberately, PayPal Inc, misled me. 
I had a PayPal account, I made some transactions, the first one on XX/XX/2019. 
When I opened the PayPal account, it did not clearly state which are the conditions under which it allows to operate, receive or send money. When he made the transactions, he did not either, he waited until the transactions were completed to proceed unilaterally to freeze the account. 
Instead, the account, even with the blockade you have, can receive payments. That is, if payments were received, they would also be frozen. PayPal seizes the money of the public, without any kind of control, millions of users around the world do the same ... nobody says anything, there is no authority for them. 
They take people 's money and nobody knows what they do with it. They do not pay interest, even that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: QUALITY ACCEPTANCE LLC
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: Account information incorrect

Complaint:
I have disputed this account over 5 times with each of the credit bureaus with no response. I have requested in writing that I am provided with a signed agreement and that the current balance be updated to the correct charged off amount. I have not received a response nor documentation to provide accurate proof that this amount is owed. XXXX XXXX has yet to respond to my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports with XXXX, XXXX, XXXX. I have one hard Inquiry from company : COAF XXXX XXXX. 

COAF  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX. I contacted COAF   .Have not herd back from any of this mentioned company.Regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect  Address : XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Name : XXXX ( Experian ) Incorrect Name : XXXX ( XXXX  ) The following accounts status is reporting inaccurate. I was never late on the following accounts : Dept of Education XXXX Open XX/XX/XXXX Bal. {$3500.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$3100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$860.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2100.00} ( I was never 90, 120, 150, or 180 days late ) XXXX Open XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following accounts does not belong to me/ Result of Identity Theft : XXXX Open XX/XX/XXXX Balance : XXXX ( XXXX  , XXXX, and Experian ) XXXX XXXX Date Open XX/XX/XXXX Bal. XXXX ( XXXX  and XXXX  ) Bankruptcy Chapter XXXX  ( XXXX  and Experian )

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 2019-07-11
Company: National Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
National Credit Management called my place of business, spouse and family members stating I had already spoken to him XXXX XXXX at XXXX ext XXXX, after I had already made arrangements with the debtor to pay the balance. The date has not passed but he continues to call these places after I told him this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX  is reporting different information than TransUnion is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. 

Attached you will find documents of the account. 

If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. 

Account name : US Dept ED XXXX Credit Bureau TransUnion XXXX Account Name US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment XX/XX/XXXX 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 2019-05-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 reported to Comenity Bank that a charge on my Zales credit card statement for {$3300.00} made on XX/XX/XXXX was not valid. Since I was in possession of the single credit card on this account, I asked the customer support representative if the charge was made without the card, and they confirmed the the charge was was made only with personal id. This was the 4th instance in XX/XX/XXXX where either there was either attempts to open new credit or a similar charge made only with fraudulent personal id. After the first instance, I initiated FTC Identity Theft Report and fraud alerts on my credit report. In XX/XX/XXXX, I completed and returned a follow-up fraud information sheet to Comenity Bank. In letter dated XX/XX/XXXX from Comenity Bank, they informed me that they could not find any basis to support my claim. I replied to that letter with a copy of my FTC Identity Theft Report and a statement with my plan of action -- filing this complaint and subsequent legal action if they reported false information to the credit reporting agencies. 
Additionally, the other 3 instances of identity fraud have all been resolved in my favor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2019-05-15
Company: F&M Capital LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX my brother received a voicemail from XXXX XXXX who stayed that she was with F & M Capital in the bad checks division. She said she had a formal complaint against my name and social security number, regarding a series of bad checks that were passed across state lines. She then called the store that I work at and spoke with the pharmacist who passed her off to the front end ( the department that I work in ). She started immediately asking a supervisor ( who actually works under me ) how she could go about garnishing my wages. She stated that she could not leave a voicemail because my mailbox was full. I verified that my mailbox was empty and then I called XXXX XXXX and asked her to provide me with a validation of this debt. She said that she had already sent mail, email, etc and I verified that she does have the correct information for me, however I have received nothing regarding this from them. She said that I owe {$2600.00} to XXXX XXXX XXXX from XX/XX/XXXX. I explained to her that I believe that this debt had already been paid and she told me that is the most ridiculous thing Ive ever heard! You need a lawyer because they are going to nail you to the wall! When I asked about her calling my place of employment she stated that she was simply verifying my employment so that she could move forward with the wage garnishment process. I explained to her that there is no HR Dept at the store level, only at corporate level and she said that she would be calling back to speak with my store manager at XXXX tomorrow. After our phone call, I signed into my XXXX account and it said there were no active accounts. I do believe this debt was paid years ago and I do not appreciate F and M capital calling myself, my family, and my work divulging personal information and making threats regarding a debt that I have yet to see validation for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: QUALITY ACCEPTANCE LLC
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: Account information incorrect

Complaint:
I have disputed this account over 5 times with each of the credit bureaus with no response. I have requested in writing that I am provided with a signed agreement and that the current balance be updated to the correct charged off amount. I have not received a response nor documentation to provide accurate proof that this amount is owed. Quality XXXX has yet to respond to my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is the only company that shows 2 accounts not listed on XXXX  or XXXX. I demand transunion remove the XXXX XXXX and XXXX XXXX account off my report 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 2019-05-15
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:
Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports : XXXX, XXXX, Transunion. I have one Hard Inquiry was made by Company on XX/XX/2017.XXXX XXXX  : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have called XXXX XXXX XXXX XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX, XXXX, Transunion.

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 2020-09-16
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: Public record information inaccurate

Complaint:
You show a bankruptcy on my credit report but XXXX has no record of a Bankruptcy on file. Please remove 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