BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The debt collector is harassing my family. He called me on XX/XX/XXXX and I told him if we can come to an agreement and pay in monthly incriminates and I was told no and they would be sending it to county the following business day I said ok. I mean I cant pay something I dont have. Then he continues on calling me from different numbers and also left my father a pretty threatening message and even told him he would go to court also and my father doesnt speak the best English. He also decided to reveal that he had my fathers social security number and that he would be implicated and sued with myself. Which makes no sense since my father told him to stop calling him and it was my own matter. He then started to say my father raised a bad child and that I was stealing which I was not. This man gave my father a panic attack see that my father has multiple medical issues and I will also attempt to get a lawyer. At this point this man has been so aggressive Im starting to think he is fraud. I also have saved voicemails of the harassment and abusive aggressive language. An screen shots of the multiple calls

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Affiliated Collection Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recieved a notice from XXXX XXXX XXXX for a debt that is not mine. I have no knowledge of debt nor have I ever done business with XXXX XXXX XXXX. I have no contract with XXXX XXXX XXXX. 

I have sent notice to the original creditor on XX/XX/17 and have not recieved a response. 

XXXX XXXX XXXX has been given access to my private medical records which is a Hippa Violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: CO
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:
This is on my credit report. 

XXXX XXXX XXXX Account number XXXX Original creditor : UNIV XXXX XXXX XXXX {$320.00} Collection opened XX/XX/2019 0 % paid off My tax return has been taken this month to pay off part of this debt, but Experian will not correct the amount on my credit report. 

$ XXXX $ XXXX {$180.00}

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 2020-06-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have quite a few discrepancies with the Experian credit bureau. I sent out a 609 dispute letter disputing a few inaccurate information on my credit report on XX/XX/2020, and still have yet to receive any feedback from the Experian credit bureau, which is way past the 30-day deadline. To make matters worse, my XXXX  has me under a XXXX credit score as to my XXXX  reporting a XXXX credit score. Now when it comes to Experian, they are reporting a XXXX credit score, which is almost a staggering hundreds of points off from the other credit bureaus. Now I've reached out to Experian about the inaccuracy on my consumer report and was told I have to wait an additional 30 days ; then, I was hunged upon by one of their customer service representatives with a very unprofessional persona. I then reached out to a supervisor to make a formal complaint and I was verbally told the situation will be handled with no assurance. I then asked the supervisor about a dispute that was on my 609 dispute letter stemming back to XX/XX/XXXX she then stated she has no recollection of any disputes ever being made. I proceeded to ask about another dispute that was also on my XX/XX/XXXX dispute letter, and the supervisor miraculously remembers now there was a dispute for that particular item back in XXXX and will remain on my credit report which I never received results and was after the 30 - day mark.

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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$550.00}

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 2019-07-12
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am afraid my identity is being used to apply to jobs and etc. I would like to see my credit reports from the 3 bureaus recently or see my work history if possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/21 I purchased a used car from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN, XXXX. Their phone number is XXXX. I wrote a check for payment-in-full for the vehicle, and was told the only way they could accept a check was if they ran a credit report, and that the credit report had to be over 700. They could have called the bank for confirmation of funds or asked for a cashiers check but the did not. I don't know why they had to run a credit report when I wasn't taking out a loan, but the said they did. I ended up with a 55 point drop in my credit score for a credit inquiry that didn't need to be run!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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 been banking with Huntington Bank for a few years now. 
When I open a business account I was promised a XXXX $ payback for the account if I opened and paid off the credit card quickly. Needless to say, I never received this money back and past the point to care. 

What I am upset about is I have been paying gon this card more than the recommended amount and maybe a day late never much more ad they have unannounced pulled my credit info twice now to lower the amount without my authorization. 
What it is, is they are seeing what I am moving around with my other accounts and because I do not pay off their amount first, they are dinging my credit score to lower the amount.

Unacceptable by any bank to do this without any announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
The mortgage lender XXXX went bankrupt effective XXXX/XXXX/20. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XXXX 2020, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with XXXX, Experian, and XXXX. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: TX
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 have filed an Identity Theft report and asked the bureau to block the fraudulent information on my credit report. I have submitted the required documents including the FTC Identity Theft affidavit. In response I received a letter telling me they refused to block the fraudulent information. I have literally lost a job opportunity - DURING A GLOBAL PANDEMIC!!! - where the job offer was rescinded because of this fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
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:
To Whom It May Concern : I XXXX XXXX recently pulled my credit from XX/XX/XXXX And upon me reviewing my credit report I stumbled across this BK REFERNCE # XXXX I wrote letters to the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ON XX/XX/2018 in reference to this BANKRUPTCYMREFERENCE # XXXX. I received a letter from the Bankruptcy Court on XX/XX/2018 informing me that they do NOT perform activities with the credit bureaus. And informed me to contact the individual credit bureaus for their procedure for removing my bankruptcy filing from my report. So on XXXX XXXX I wrote to the 3 credit bureaus XXXX, EQUIFAX, & XXXX   informing them of the information the Bankruptcy Court gave me about them not performing any activities with the 3 Credit Bureaus. And on XX/XX//2018 I received a letter from XXXX informing me that they deleted the Bankruptcy from my credit file. I also have a letter from XXXX XXXX stating I have opt out and put a security freeze on my credit file on XX/XX//2018. I received a letter from XXXX AND EQUIFAX stating they 'VERIFIED '' the bankruptcy through a third party vendor called XXXX XXXX. When you can see with my upload documents I have a security freeze and opt out their services. So I wrote back to XXXX AND EQUIFAX giving them my BANKRUPTCY LETTER FROM THE COURT, XXXX XXXX SUPPRESSED/OPT OUT LETTER, XXXX  DELETED LETTER. I informed them also, they have failed to provide me with viable evidence, bearing my signature, showing this account is reporting accurately. Additionally, providing me with the name, address, and telephone number of each person who personally verified this alleged account. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I also informed them that am maintaining a careful record of my communication with them for the purpose me filing this complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account was settled and the settlement amount was paid in full. I sent the information to XXXX and they have failed to properly verify the information and report it correctly on my credit report. The balance is {$0.00} but they are still reporting a negative balance and stating it was charged 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 2021-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was mailed a letter dated XX/XX/XXXX from XXXX XXXX XXXXXX/XX/XXXX. In this letter its states that i owe a debt to Portfolio Recover Associates, llc. in the amount of {$1200.00}. 

on or about XX/XX/XXXX i called into Portfolio Recovery Associates, LLC. to inquire about the account and why they reached out to me. As per the rep on the phone she expressed that this company is a debt collection company attempting to collect a debt. 

on XXXX i mailed a letter of debt validation to XXXX XXXX XXXX XX/XX/XXXX. and Portfolio Recovery Associates LLC., Within the letter i requested detailed info about the alleged debt. such as a contract with my wet signature, itemized accounting of the account, etc. 

I received a letter from Portfolio informing me that they PURCHASED the debt from said creditor, also listing my name and alleged last 4 of ss # as additional information listed in the electronic file for this account and if i would like more details to call and request it, however i already requested this detail information in my 1st request of validation letter dated XX/XX/XXXX. 

I then received a letter dated XX/XX/XXXX and within it was a statement ( 1 pg ), along with a 2nd letter dated XX/XX/XXXX on XX/XX/XXXX.This letter which stated " that they already responded to a previous dispute. Meanwhile this was only my first attempt to dispute this account in question. 

On XXXX XXXX I mailed to them a 2nd validation letter requesting the same info and informing them of where i feel they failed to validate stated debt and what my rights are to obtain this requested info so that i can know if this debt is accurate or not. 

On XX/XX/XXXX I received in the mail the very first letter i received again not providing any of the requested info within either of my letters mailed to Portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I had a loan with XXXX XXXX back in XX/XX/2006 and then got another loan in XX/XX/2006 and paid off the 1st loan from XXXX. XXXX XXXX then transferred that loan to XXXX and then Greentree, or Ditech took it over. The problem is when XXXX paid off XXXX they never filed a lien release with the county and now its on my title as someone who has lien against my house and I cant refinance. Now when I call Ditech they have no record of the loan and will not release the loan because they cant find it in there system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am now requesting the method you used to verify certain item. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnishes of information contacted in connection with such information and the telephone number of such furnishes. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been requesting a payoff letter since the XXXX of XXXX. When I contacted them at the end of XXXX approximately the XXXX, that day was the first they'd heard of my request. As of today I still not have received a response to any of my emails. And no documentation has been received. It shouldnt be this hard to pay an 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 2022-03-30
Company: Experian Information Solutions 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:
XXXX, Experian and XXXX has criminally turned a blind eye on MULTIPLE occasions even AFTER I have provided COURT DOCUMENTS stating no such accounts exist and NO monies are owed! Including but not limited to UNREBUTTED affidavits of truth submitted to the alleged " original creditors '' to which they did not respond accordingly via affidavit of truth. There is no substance, truth or first-hand knowledge to such alleged accounts, and are elaborate mechanisms fueled by conspiring ( kickbacks ) with original creditors to funnel credits back and forth at the expense of the unsuspecting consumer and FULLY BENEFITING THE CONSUMER REPORTING AGENCIES ( which are not even real BUREAUS ), they are impersonating federal agencies through deceptive and clever means of the companies purpose. These fraudulent accounts have been enforced through deception and negligent reporting. Consumer reporting agencies have NO PROBABLE EVIDENCE ; NO PERMISSIBLE PURPOSE ; NO WRITTEN CONSENT and HAVE VIOLATED MY RIGHTS FOR YEARS!

Court documents & affidavits have been sent via The United States Postal Service as witnesses over to the alleged " original creditors '' in regards to the questionable validity of these fraudulent accounts and have been denied FULL DISCLOSURE AND PROBAbLE EVIDENCE. I have sent a final demand for compliance to Transunions legal department demanding they provide probable evidence, contracts, security agreements, tradelines ; any and ALL and FULL DISCLOSURE/FULL ACCOUNTING/LEDGERS/TAX FORMS AND INSURANCE POLICIES pertaining to XXXX  : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency is reporting a debt to my credit report. I sent them a letter in XX/XX/XXXX requesting validation of he debt cause is not mine since is from XX/XX/XXXX and I always had medical coverage, and to be more specific I was pregnant at that time and my health insurance covered everything. The fist 30 days on this letter they dont reply. I sent them a second letter and they sent me medical bills with procedures that supposedly I got done. I sent this to the credit bureau for HIPPA VIOLATION since they didnt provide me a HIPPA released form signed by me. The credit bureau contact the agency and the were able to validate this debt. I once more contact the agency requesting the documents they use to validate this debt, and once more I don't have an answer from them. I need this to be removed from my credit report since I dont own this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief