BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates deliberately changed the date of first delinquency on a consumer account from XX/XX/XXXX to XX/XX/XXXX in order to park a debt on my credit report in the amount of {$1600.00}. The credit reporting deadline expired XX/XX/XXXX, therefore XXXX XXXX and XXXX deleted the account in early XX/XX/XXXX. 

On XX/XX/XXXX, Portfolio Recovery added the same debt for {$1600.00} back to my XXXX  credit report by falsifying the Date of First Delinquency. I asked XXXX to investigate, but XXXX  closed the investigation without revealing their method of investigation and only updated my report to read Consumer disputes after resolution. Portfolio Recovery Associates in collusion with XXXX violated the Fair Debt Collections Act and the Fair Credit Reporting Act by falsifying my credit history and knowingly re-aging this account with the intent to cause further damage to my credit and make the delinquency appear more recent than it is. 

Due to their fraudulent act, the account deletion date has been illegally moved from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: National Credit Systems,Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX reported a collection debt opened XX/XX/XXXX for their client XXXX XXXX XXXX in the amount of {$2100.00}. 

This account does not belong to me and I do not have any responsibility for this debt. i have never done any business with XXXX XXXX XXXX, nor signed any lease agreement with then. I was in XXXX  XXXX in a XXXX  in Puerto Rico from XXXX through XX/XX/XXXX ( 6 yrs. & 6 mos. ) I have never lived in the State where this property is located. 

Here with I am providing documentation as proof that I was in XXXX  in Puerto Rico during the time this account was created. I have disputed 4 different collections account on my credit reports from XXXX, XXXX and XXXX, and three of them have been removed as well as inaccurate information ( addresses, names ).  The only collection agency that refused to removed the collection debt is National Credit Systems, even though I have provided strong proof. 

I have also written to the creditor XXXX XXXX XXXX and collection agency involved with no results at all ( attached certified letter with proof of deliver. 

I am trying to get my life in the wright direction but with this credit issues are causing me financial injury as well as making things difficult for me in the job search, etc. 

Hope you can assist me, Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Very confusing and not getting transfer with low interest for XXXX months

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Holds on Checks, freezing my account, excess overdrafts fees based on the checks, closing my account for no reason.

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 2021-05-31
Company: WALL STREET MORTGAGE BANKERS
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
multiple accounts was open my credit score went down from XXXX to XXXX I called XXXX XXXX and I they mediately close the accounts they told me to contact you guys

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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: Their investigation did not fix an error on your report

Complaint:
I opened this XXXX credit card, used it and paid it in full with a XXXX  balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX  who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete XXXX 's erroneous reporting.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing fraud on this credit card account with XXXX XXXX XXXX Bank. They have repeatedly ignored my requests and will not answer my questions. They have been silent on the issue. They have now charged off the balance and it is now negatively affecting my credit scores on all agencies.

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 2023-01-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
There are multiple accounts on my report that I do not recognize

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 2023-07-03
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
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: Account information incorrect

Complaint:
This mortgage was an individual mortgage account opened by me XXXX XXXX XXXX XXXX not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XX/XX/2020 Experian. 

This situation is really upsetting by the Non action by Experian, concerning the law enacted by the FCRA. The section is referring to 605B. 

I fail to understand why Experian refuses to block fraudulent accounts, per my rights under 605B.. I sent Experian a USPS certified letter on the XXXX of XXXX, and Experian received this package on the XXXX of XXXX. 

In the letter that I sent Experian, it explains that I am a victim of Identity theft. 

I followed up with Experian by telephone on the XXXX of XXXX, and was told by the representative in the fraud department, that he did not know about laws and he said that he would put the items in dispute, per company policy. I can not believe that a credit bureau would blatantly dis-reguard the FCRA. 

These items are not part of a dispute. They are identity theft ... ...!!. This is clearly a violation of the consumer laws of Identity theft, and the acts that credit bureaus are supposed to follow concerning these laws. 

I have attached my Id Theft information, and a copy of Experians obligations under the FCRA. 

XXXX  and XXXX  have blocked these accounts per my request. 


Here are the accounts .XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX I demand that Experian block these account 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 2022-06-16
Company: Experian Information Solutions Inc.
State: MS
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 tried to fix this issue with both Michigan and Experian and I can not get any information I need. I finally hired an attorney and he told me to make sure I did a CFPB complaint and to make sure that Experian receives this PDF that I submitted her and also mailed. 
We intend to take this into court

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 2020-11-02
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal contacted me to collect a debt. I did not have any memory of using PayPay, in the amount they claim I owe them, so I asked to have the evidence mailed to me. When I received the records, I immediately knew these were not my charges. I contacted PayPal to advise this is fraud and to open a fraud claim. A couple of weeks later, they called me again to collect a debt. I advised what I had previsouly advised PayPal and these charges were fraud. The person checked the notes in my file, and advised me that the fraud department denied my fraud claim ( without even speaking to me ). I asked to have the claim opened again, and advised them i would be contacting the Consumer Financial Protectin Bureau and asked them to reopen the fraud claim. I was able to log into my account Once and see these are clearly not any activity of mine. I emailed Service @ PayPal to get assistance with this issue, only to be asked to log into my account, but now I am locked out due to it being delinquent. I had asked for assistance, called but can only reach the collections department, and I am not getting anywhere. 
I did not use PayPay, and I do not know an account number. They contacted me via my home phond XXXX, and the email I had at the time was XXXX, however, I have since changed my email to XXXX, and My cell is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The bureaus not following the law.. They have not provided me with any of my investigation results.. I have sent out several disputes and they are not complying with the law.. I demand concerns be resolved and deleted 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
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2019-08-27
Company: Shellpoint Partners, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Shellpoint as of XX/XX/19. The payment I made on XX/XX/19 to my old servicer has not posted on Shellpoint 's account. I have confirmed with my old servicer that they have received the payment and transfered it to Shellpoint on XX/XX/19. I have also sent Shellpoint several items proving that I made the XX/XX/19 payment, but they refuse to post the payment until they complete all of their research, which they say can take up to 60 days. In the meantime, they will not allow me to make my next payment ( XX/XX/19 ) and are showing my account as past due ( the first contact I ever received from the company after taking over my account was a collections call ). I was told that I can make another XXXX payment if I want and they will credit it when they finally update my account - which is a ridiculous ask.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: CITIBANK, N.A.
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello ; I hope you can intervene and expedite assistance in a matter I'm experiencing with my Citi Double Cash card. I've made 9 total attempts to resolve a fraud dispute directly with Citi and they've not fulfilled the totality of my request. There were 5 fraudulent charges placed by XXXX in XX/XX/2020. So far, only three of the charges have been placed under investigation. I began pursuit of a resolution on XX/XX/XXXX and have been regularly assured I will see all of the charges under investigation within 3-5 business days. I'm now on day 35 of trying to resolve. I am including statements, logs of my attempts and transcripts of the issue. Please let me know if there's anything else I can provide. Thanks for your help! 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 monetary relief
Consumer complaint received 2017-12-22
Company: FC HoldCo LLC
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 recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.

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 2020-11-02
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:
XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1989 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

USDOE/XXXX {$46000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$810.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$1000.00}

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 2019-07-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
for the last two months I have been calling equifax to get them to stop sending the companies that I have accounts with that I am disputing something or that the account is fraudulent or something over and over again I have called them and they still doing the same thing they have messed up my account with modells because of this I ask you is there anything you can do to get them to stop this can you please help with this matter asap can you send me any legal advice or anything that will help I have no problem taking legal action against them this has got to stop and stop now is there a way I can file a police report or anything else I can do to get them to fix the problem that they have caused I have called XXXX  last month when it first happened and everything was fine and then they reported the same information again to them and my account was closed because of this and now I have to call them back and go through the same thing again please do whatever you can to get this issue resolved I am tired of this XXXX they are putting me through please help me out with this matter asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: MS
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:
In mid XXXX I sent a letter of my FTC report and the FCRA 605B law informing all three credi bureaus that I was a victim of identity theft. Equifax was the first to block all the fraudulent accounts. I noticed this change on XX/XX/2018. I was impressed and elated. However, The other bureaus required a police report. So, went to my local police department and filed the report on XX/XX/XXXX, and I forwarded the report to all the credit bureaus. I included Equifax as a courtesy. Upon receipt of the police report Equifax put all the fraudulent accounts back on my credit and The block was removed on XX/XX/2018. The disputed information was placed back on my prior to five business day. According to FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), I am required to be notified of any reinsertion within five business days. I have been in communication with Equifax reps on a frequent basis due to this ordeal ; and I have not received notice that it as added or an explanation. Equifax has politely assisted me in removing fraudulent inquiries that were removed the very next day. I know that they can promptly correct this error as well. In addition, I am not confident in the information that Equifax is providing about myself. When I attempt to access the dispute information on Equifax.com site I am unable to pass the verification process as they ask me about accounts I have no knowledge of. This is a difficult time for me as I never expected my identity to be stolen. Please block the fraudulent accounts as you originally did per FCRA 605 ; in which I have attached. Thank you

Company response to consumer: Closed with non-monetary relief