BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NV
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: ADP Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023 I went to XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX GA XXXX to withdraw {$60.00}. The ATM experienced an error and cancelled my transaction but the money was withdrawn from my account. I contacted XXXX XXXX XXXX XXXX XXXX the next day and was informed their atm count was over {$60.00}. The lady explained to me they could not let me come pick up the money I would have to dispute it. Once my bank contacted them they would agree and return my money back. I still have not received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
What Is this complain about? 

Pre-XXXX  Successful Loan Modification on my family residence townhouse, the 1st Mortgage holder was XXXX XXXX XXXX. This previous 1st Mortgage was secured by a Deed of Trust, that is now more than 10 years old. There is a lien recorded due to this old 1st XXXX XXXX XXXX that still exists and needs to be removed now when XXXX  XXXX Claim & The legal basis of the claim now is made known via a XXXX  XXXX Point of Contact to be specified by them as per this request via this CFPB protocol. 

The XXXX Loan Modification was done via XXXX 1st Mortgage Loan who assigned the modified loan to XXXX ( XXXX Subsidiary ). About 5 years ago, this modified loan was purchased by XXXX of Texas who still this new modified 1st Mortgage holder. 

This current modified 1st Mortgage is current and always been so. The current monthly payment as specified by XXXX is $ XXXXMonth with {$600.00} for 1st Mortgage Payment and XXXX XXXX/Mo for Escrow. 


What Happened? 

Until XXXX, XXXX when XXXX  XXXX XXXX  selected 3rd Party Debt Collector, for more than 10 years, XXXX  XXXX XXXX never contacted me regarding payment on their claim. SPS.COM weekly mailing of monthly payment does not specify what the XXXX XXXX Claim currently is and the legal basis of that claim. 

This issue needs to be specified and clarified by a qualified XXXX  XXXX XXXX POC, to determine legimacy and fairness by a specified POC for XXXX  XXXX XXXX 

Discussed by qualified legal representative for myself & family. Once this XXXX XXXX  claim and the legal basis is undestoods, steps than can be taken to legally settle a just monetary settlement so that the XXXX  XXXX lien can be removed legally. 
SPS.COM is a 3rd party debt collector located in XXXX XXXX XXXX, UT. Each week they send a weekly payment due billing on behalf of XXXX  XXXX XXXX that does not specify either the " XXXX XXXX Claim '' currently or the legal basis of that claim. 

For example, if legal basis of the XXXX  XXXX XXXX claim is that they are exampt from the State of Virginia Statuatory limitation of 7 years, there needs to be legal justification for such XXXX XXXX XXXX examption claim via conversation with a qualified XXXX  XXXX XXXX POC and my legal representative verbally and if necessary in writing. 

What Happened TOPIC 02 : State of Virginia Attorney General 's Office Consumer Complaint No : XXXX XXXX XXXX XXXX XXXX SPS.COM Secondly, Since the XXXX Mortgage Forebearance is administered by the Office of Attorney General in Virginia, I filed a complaint against SPS.COM, in XXXX, XXXX for assistance in receiving such legal clarification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following addresses does not belong to me and are showing in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Also all the following names are incorrect/innacurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-19
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX Hospital 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 2023-06-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This company bank is corrupt they sent me a letter by mail telling me a payment solution may be available if I call them I need a settlement after loosing my job I dont have the money and have stopped paying them for this reason when I called they refused to help And said no to their letter and settling this account for less than the full balance Im still without a job and dont have the full balance

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 2023-06-22
Company: Rubin & Rothman, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had fund taken out of my account with no prior warning, company is stating that i was served with a letter, that never happen. 

I never applied for a credit card or loan with XXXX XXXX  XXXX. 

XXXX Rubin and rothman llc # 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 2022-10-26
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Re : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is once again sending me collection notices for an account that was closed/written off/closed in XXXX. The statute of limitations for both Michigan and New Jersey is six years. More importantly, XXXX XXXX XXXXXXXX, XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) which prohibits the practice of re-aging the cut off date of this closed account. 

I have notified XXXX XXXX XXXX XXXX of this and through the three credit reporting agencies dispute resolution process. As a result, there is no further purpose to communicate with this company other than through the credit reporting agencies or through my attorney as it is unambiguously clear that XXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) as I received another letter dated XX/XX/XXXX and my credit report ( s ) still shows current activity from XXXX XXXX XXXXXXXX, XXXX. 

To restate, once the cutoff date has expired, XXXX XXXX XXXX XXXX is not legally permitted to pursue payment of any assumed debt. Nevertheless, XXXX XXXX XXXX XXXX continues to park this debt on my credit report, call my cellular phone and send me letters. 

Today, I contacted XXXX and discovered that XXXX XXXX XXXX XXXX continues to place inquiries on my credit report, re-ages and re-parks the assumed debt, for which I placed a fraud alert with XXXX. 

The purpose of my contacting the FTC is to seek assistance in stopping XXXX XXXX XXXXXXXX, XXXX from inputting fraudulent information on my credit report. Once again, there is no reason to contact XXXX as the account was closed/discharged in XXXX and well beyond the statute of limitations. Please help me with this malicious and predatory company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 30 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX Date of Last Activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion XXXX XXXX XXXX XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,

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 2023-02-01
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My son leased an apartment from XXXX XXXX in XXXX XXXX, California on XX/XX/XXXX. A few months after moving in he found out that the apartment is full of bugs. He notified the management and during the next 2-3 months the management sprayed the apartment on four separate occasions, but they could not get rid of the bugs infestation. The bugs would be everywhere. He had to remove all the dishes and food from the kitchen cabinets and kitchen area and he could not sleep at the apartment since the bugs were growling on his bed during the night. He stoped sleeping in the unit around XX/XX/XXXX. We met with three members of the management company at the end of XXXX and since they could not resolve the issue with the bugs and the apartment was not in livable condition my son was released from his lease agreement. We agreed to pay the rent for the month of XXXX as FULL AND FINAL PAYMENT. My son paid close to {$1400.00} rent and they also kept his deposit of {$250.00}. ( Total of {$1600.00} for not using the place for more than six weeks ). 
To our surprise a few weeks after he paid the final payment he got another bill for {$100.00}. We called the manger and explained this was incorrect and there is no balance due. We asked that this mistake will be corrected but instead of helping us, this balance was transferred to XXXX XXXX XXXX XXXX. Our attempts to tell Hunter Warfield that there in no balance due fell on empty ears. 
We believe that this is harrasament. We would like XXXX to correct their records and honor their agreement with us from XX/XX/XXXX. Per agreement this account was paid in full. We also would like XXXX to instruct Hunter Warfield to close their account and to make sure that none of the credit agencies show that this account was ever in collection.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21
Company: National Credit Systems,Inc.
State: CA
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 sent dispute letters for the inaccurate accounts to be removed from my credit report on XXXX/XXXX/2019, XX/XX/XXXX/2019,XX/XX/XXXX/2019, XXXX/XXXX/2019 and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " XXXX XXXX. XXXX '' and it should have been deleted per Section XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). I also sent a letter with Section XXXX XXXX a ) ( XXXX ) ( A ) to show me the physical documents and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/2018 I spoke to a rep about the issue I was having. I explained I had fallen behind in paying my bill because I was unemployed but recently acquired employment. I had paid all of my bills until my savings depleted. 

I asked for affordable payments to bring my account back into good standing. The minimum payment they wanted was XXXX on a XXXX balance. I explained I couldn't make anything near that payment because I was working a part-time job and already struggling to pay expenses. They suggested a money management program knowing they wouldn't be on it. I tried to get them on the program once talking to a money manager. XXXX rejected my attempt to pay them, instead I received a letter standing my debt has been purchased on XX/XX/2018. 

XXXX sent me to a debt collector called XXXX XXXX XXXX XXXX. 

By XXXX doing this, it has negatively impacted my life even more so during an unfortunate event.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm getting as much as 30 calls a day and when I block the number they call from the same location with a new number. This has gone on for two years.

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 2017-12-11
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It looks this DEBT COLLECTOR company CAPITAL MANAGMENT SERVICES, LP Has engaged in an ongoing collection activity even after Their sent me a letter stating they will cease all communications tactics as it goes for phone calls and mail, I just received from this company a letter in XXXX with a date as XX/XX/XXXX, It contradicts about the letter the sent to CFPB on XX/XX/XXXX. 
I stated once more the amount of {$900.00} they claimed I owed to XXXX XXXX Its been disputed, XXXX XXXX in its letter dated XX/XX/XXXX says did n't know the amount was disputed in XXXX, I will inquire a CFPB regulator to look into it, If XXXX XXXX  did n't know in XX/XX/XXXXwhy they still market this Alleged debt with another Debt collector company, I believe now XXXX XXXX has engaged in some violations to the FDCP Practices and the CFPB should fine them for those violations. They knew this alleged debt were dispute in XXXX. I 'm attach proper exhibits to support my claim. 


I will include on this letter a formal dispute with XXXX XXXX for the Marketing Tactic to have one or more Debt Collectors harassing me for a Disputed debt, I rejected it as a valid one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
MAY, REPORT UP TO 10 yrs. " UP TO '' is the wording stated in your review of credit reports, interpretation means, at ANY TIME, any disputed or stated item on a credit report can be removed at any time from initial report ( day one ) UP TO 10 years.

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