BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I dispute your reporting of an alleged debt on my credit report. I deny the date of the alleged debt, and I am not admitting to it. Additionally, you are re-aging the debt on my credit report, and your accounting of the alleged debt is inaccurate. 

The alleged debt was sold to a third party and I successfully defended myself in court against the third party for lack of assignment and inaccurate accounting. Additionally, the statute of limitations ( SOL ) has passed, and the debt is no longer legally enforceable. 

Your continued reporting of the alleged debt is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my creditworthiness. The FCRA prohibits the reporting of inaccurate information and requires that accurate information be promptly updated or deleted. 

I demand that you immediately cease reporting the alleged debt on my credit report and remove any inaccurate or incomplete information associated with the debt. If you can not provide proof of the alleged debt or the accuracy of your reporting, I demand that you remove the account entirely. 

I also demand that you cease all communication with me and third parties. 

See 15 U.S. Code 1681 ; 15 U.S. Code 1681c ; 15 U.S. Code 1681s-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Shellpoint has reported my account 30 days late I made my payment on the XXXX of this month my account is not past due at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to Equifax, XXXX, and XXXX  regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX XXXXXXXX XXXX Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
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:
There is inconsistency in credit card information on my account showing under portfolio association. One says derogatory and the other says unknown payment status. Also it has the original creditor name but no buyers name in the information. I would like a letter of verify my debt, that shows my signature. Also I would like the name of the individual whom I was said to sign with. Also the payment history is inaccurate and has inconsistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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:
I've already filed a complaint with the consumer financial protection bureau and they sent my request to transunion. Transunion denied my request to remove the fraudulent inquiries effecting my credit. The inquiries are probably from transunion themselves when they fraudulently added mins information to people 's credit line when their servers failed. ( I have have tried countless times to add my last four numbers of my social security number to the next page and it doesn't allow me to do so )

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 2020-11-28
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a PayPal account. I had a balance of {$290.00}. On XXXX XXXX, 2020, I logged in to the account to transfer the money to my bank account. The money was gone. I contacted PayPal. They stated I had transferred the money to a VISA card ending in XXXX. I contacted them again advising I did not transfer the money and did not have a card, VISA or any other type, ending in XXXX. PayPal has continued to insist that I transferred the funds. Upon further investigating. my PayPal account showed a phone number XXXX. I XX/XX/XXXXthe number and it showed it belongs to a XXXX XXXX in California. I do not know this person nor have had any contact with them. Also, the recording at PayPal said I needed to verify a XXXX email address. I do not have a XXXX email address. I had one approximately 20 years ago. I use XXXX and XXXX mail now. I contacted PayPal again with this information and they still insisted that I transferred the money. I sent two letters dated XXXX XXXX, 2020, mailed XXXX XXXX, 2020 and delivered XXXX XXXX, 2020, at XXXX XXXX. As of today, PayPal has not sent the information concerning the unauthorized transaction. This is an unauthorized transaction or identity theft. PayPal has been uncooperative. I would appreciate any assistance you can provide. I filed a complaint with the XXXX  yesterday. I plan on filing a police report, a complaint with the Attorney General Offices for XX/XX/XXXXand XX/XX/XXXX, XX/XX/XXXX and any other agency that can assist me. Please help. I did not authorize the transfer. This is an unauthorized transfer and/or identify theft. Someone has my personal information and I need to know so I can prevent further theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-25
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Allied Collection services have an account listed on my credit reports from a company called " XXXX XXXX XXXX '' I have never done business with a company by that name. I called them to validate the debt, they could not, I sent them a 609 letter demanding documentation and validation of the debt, they did n't respond. I sent a letter to the credit bureaus, asking them to validate the debt - they responded saying " verified '' but were unable to provide a contract, account number, or anything that I signed with a company by that name. 
I then filed a complaint with the BBB, asking them to make Allied provide documentation of said debt - they asked for my personal information on a form, I filled it out and sent it back, and since then, have not responded. I have spoken via email with BBB several times, and they just keep issuing the company 3 day extensions to respond. But as of yet, they have not.IT HAS BEEN OVER A MONTH! 
They are breaking the law at this point. They are required to provide validation of the debt if they are collecting it. I truly have no idea who this company " XXXX XXXX '' is, and need this removed from my credit asap.

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 2021-07-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2018-12-10
Company: DHI Mortgage Company
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:
My wife and I contracted with XXXX XXXX XXXX to purchase a new home in XX/XX/2018. Our credit was verified at that time. The house was not started until XX/XX/2018. Our credit was run again by the builders mortgage company again in XX/XX/XXXX prior to the start of the home. I advised them that there was no need to run the inquiry because the home was not started and the existing report was good for 4 months. The home is still not finished and they are now going to have to run our credit once again. I have asked that they remove the inquiry, however, they stated they did not know how to do this and advised I would have to handle. The lender admitted to me that she made an error by checking our credit prematurely. We are asking for help in having this inquiry removed from both my wife and my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Over two years ago I had two Comenity Bank cards. XXXX rewards XXXX and XXXX XXXX. I was never late in fact I paid my balance in full but for whatever reason comenity bank has placed me on a blacklist. Every time I try to apply for one of their cards they declined based upon a glitch in their system. There are reasons for Declining me are as if I had a bad debt or paid late ( None Could Be Further from the truth ). I would like comenity to release my entire payment history on both accounts to CFPB and explain why they keep declining me credit When theyre not even basing my credit for a decision but its an internal decision which is a glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: PA
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:
on XX/XX/2020 i sent letters to the credit bureaus Equifax, XXXX, and XXXX. I waited 45 days and still no response from either bureau. on XX/XX/2020 i sent another letter for the credit bureaus to comply and answer my request and still i haven't received an answer. it is now XX/XX/2020 and i still haven't received a response from the credit bureaus. This is clearly a violation of my rights 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 that you post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-12-26
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been trying to close a Best Buy credit card provided by Citigroup for almost three years without success. I have had a XXXX balance for almost three years and I am still receiving balance statements and the acccount continues to remain active. I have received FIVE balance statements in just this XXXX alone. I have contacted Citi DOZENS of times begging them to provide written proof my account is closed, as well as requesting to stop receiving balance statements but I receive more each month. This has been ongoing for almost three years. They will not stop sending me balance statements for a closed account. 


( 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 explanation
Consumer complaint received 2023-06-14
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX, has violated my rights accordance to statue of limitations and other. 

Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumer 's credit report for up to 7 years. To determine when an account will be removed by the CRAs ( XXXX, XXXX, and Experian and others ), add 7 years to the date of first delinquency. 

XXXX5 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-06-10
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I requested for an income-driven repayment plan, filled out all the information, sent the information through fax ( which showed it went through ), now loan company is denying it went through ; delaying my request by such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: NRA Group, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today, XXXX XX/XX/2021, I was notified by a family member who has my previous phone line via text messaging communication. The National Recovery Agency ( XXXX XXXX XXXX XXXX, PA XXXX ) is unethically sharing Personal Identifiable Information to a number I no longer possess. This act is immoral, unethical, and a threat to my security and identity.

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 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
on XX/XX/2020 i sent letters to the credit bureaus XXXX, XXXX, and Transunion. I waited 45 days and still no response from either bureau. on XX/XX/2020 i sent another letter for the credit bureaus to comply and answer my request and still i haven't received an answer. it is now XX/XX/2020  and i still haven't received a response from the credit bureaus. This is clearly a violation of my rights 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 that you post on a 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 2020-11-28
Company: PARKSIDE LENDING, LLC
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: Account information incorrect

Complaint:
When we first serviced our mortgage loan on XX/XX/2015 with Parkside Lending, all was apples and cherries. They quickly turned around and sold our loan to XXXX XXXX. I received information from XXXX XXXX as our mortgage provider come XX/XX/2015 and began paying mortgage to XXXX XXXX. 
I followed all instructions, and on XX/XX/2015 I received information from Parkside Lending stating our loan is deliquient and collection will be ensued. It took a long time for me to be able to reach a live person and actually spoke to a manager. I was finally able to secure that and received a letter and confirmation from Parkside Lending stating they no longer hold our mortgage loan and was sold to XXXX XXXX. 
Today, I am reviewing my credit reports. I see that on XXXX the information is not reported correctly. On XXXX  and XXXX it is correct. XXXX  clearly states my first deliquent with Parkside Lending was XXXX/2015. There are no records indicating my account was closed/transferred and sold. It looks like I still have an outstanding balance of XXXX. 
This affected my husband and my credits for the past 5 years.. and WE WERE NOT AWARE of IT!!!! OUR CREDIT SCORES HAVE BEEN IMPACTED, AND WE ARE NOT ABLE TO REFINANCE OR WHAT NOT. This is NOT OK. I NEED PARKSIDE LENDING TO REMEDIATE THIS SITUATION IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX placed a {$4000.00} collection on my XXXX credit report, which was purchased from Capital One. 

I have asked XXXX representatives on numerous recorded calls to send me statements detailing the charges on this defaulted card, because I believe many of the charges were fraudulent, not authorized by me, and a result of identity theft. 

Both XXXX and XXXX have deleted this fraudulent collection, but XXXX has not. I am demanding that XXXX, XXXX immediately delete this collection or face further legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
There was a problem with my XXXX account returning payments because they stated that I'm not authorized to use the XXXX account, which I use daily. XXXX payments were returned, and capital one, without notice, labeled it first party fraud and closed the account. They refuse to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hello I received a Reliacard from US Bank that was not requested and I do not have any benefits from the State of Colorado that were requested or that should be coming to me. Someone applied in my name for benefits that are fraudulent request. Please make sure the card is dicontinued and any funds placed in the account returned to sender.

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 2023-05-05
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:
This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : ) XXXX Balance : {$590.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023

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