BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition, the company is reporting this account differently with all three credit bureaus, which I disputed, and the company verified. Different information with three different companies can not all be accurate, so it is very clear that the company verified inaccurate information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Aqua Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Aqua Finance , Inc has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$9500.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

I am submitting this complaint because I want to get a fair solution to this issue. They have committed multiple violations : post charge-off interest. 
Reporting late payments after closing date ( CCRA ). 
Misrepresentation of facts. 
Unconscionable interest charges. 
Account is falsely reporting as a collection instead of a charge-off. 
Negligence Unfair business practices I want to get the following account removed from my all 3 credit reports : Aqua Finance account. 
Date Opened : XX/XX/2018 Highest balance : {$8200.00}. 

I am willing to get to an amicable resolution. 

Please send the attached documents to the company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: AL
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:
On XXXX Ive sent disputes regarding unknown and inaccurate accounts but it's over 30 days today I haven't received a response. I was a victim of XXXX data breach. I demand to remove those accounts from my credit report or I will file litigation.

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 2018-07-12
Company: Accelerated Financial Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I received a notice from this agency regarding a debt I have no record of. I sent a certified letter requesting the validation of the debt on this date. I never received any notification in writing from this company as to proving the debt owed. I sent a follow up request via certified mail XX/XX/2018 again asking for the validation sent in writing to the address provided and also advised this company I am a victim of ID theft and have filed a notification with the FTC and also asked that the debt be disputed. I have now received a notification that this third party agency erroneously reported this debt to my credit report which is a direct violation of my consumer rights. I have not received any paperwork proving this debt is mine. This needs to be removed from my credit until paperwork is sent to me to validate this account is mine. I have begun to pursue legal action as I have done my part as a consumer to get this account handled under the word of the law and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-05-30
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2019, I learned from a credit monitoring service that someone opened more than one fraudlent account, the most germane for this complaint was XXXX XXXX XXXX ( " XXXX XXXX '' ). 

I contacted XXXX XXXX by phone, and notified them of the fraud. On XX/XX/2019, XXXX XXXX sent me a letter asking to speak with me me about the fraudulent credit card opened in my name. I received another letter dated the same date notifying me they coundl not find any record of the inquiry. 

However, the hard inquiry remained on my credit with the 3 main credit reporting bureaus. I again contacted XXXX XXXX and reminded them that the account and the hard inquiry was a result of fraud, and requested they look into it. XXXX XXXX DID find the inquiry, and sent notices to the 3 main credit reporting bureaus asking them to remove the inquiry. 

XXXX XXXX did follow up, and all but EQUIFAX removed the hard inquiries. 

I attempted to deal with EQUIFAX on numerous occasions, speaking with heavily accented foreigners who told me that the fraudulent inquiries were a " scar '' and can not be removed. at the same time, certain other calls resulted in claims they would remove the inquiry AS OF THIS DATE, EQUIFAX HAS NOT. 

I have submitted repeated efforts at filing disputes with NO ABILITY to attach the documents I have attached here. EQUIFAX also tells me to get XXXX XXXX to request the inquiry be removed. XXXX XXXX has done that, and notified me that they can not get EQUIFAX to comply. 

AS A RESULT I HAVE PLACED A FREEZE ON MY CREDIT, WHICH MAKES DIFFICULT FOR ME TO BEGIN TO REPAIR THE DAMAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-11
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My most recent request to Equifax and the other bureaus on XX/XX/2020 is being ignored. I had specific questions about the accuracy of the items on my credit report and I am not getting an adequate response. I spoke with a representative at Equifax on XX/XX/2020 and they stated they received my letter but they want me to open a new dispute. I dont want to open a new dispute. I am asking for the specific questions I asked in my letter on XX/XX/2020 be investigated properly. This situation is causing me distress and affecting my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: ALLY FINANCIAL INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance home loan with cash out to add a addiction to my current home. I ask ALLY BANK to assist me on the process. I submitted all documents and paid for a appraisal. The appraisal came bank and we supposed to be going to underwriting for final process. Well I been speaking to representative on the XXXX XXXX that cant not disclosed loan information to me or my accounting. That was a red flag and why im reaching out for help. I submitted all documents and Ally ask me to secure {$15000.00} before closing. I think this practice is recipe for disaster for my family. The interest rate is way to high 4,5 %. The new mortgage payment is {$2400.00} I'm currently paying {$1800.00} a month. My current mortgage is {$210.00}. I need assistance o what's my rights and why I'm being drag out on practices that only benefit them. Ally XXXX XXXX XXXX  Mortgage is XXXX companies and im very confused on who is what and who mange my documents,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2020, I checked my XXXX  XXXX  XXXX  and saw a hard inquiry initiated by XXXX XXXX. 

I immediately called the bank along with the credit bureaus to dispute the inquiries. The bureaus acknowledged seeing the hard inquiry done on that date above. 

I also added fraudulent alert to all my bureaus for extra protection. Despite my effort, nothing was done on any of these companies ; XXXX and all the 3 credit bureaus I would like you guys to speak on behalf of me to resolve this issue with all the credit bureaus, XXXX, XXXX, and Experian. 

Thank you in advance!

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 2020-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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:
On XX/XX/XXXX, PORTFOLIO RECOVERY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: FL
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 disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2018-03-03
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Viewing my credit report in detail, I noticed an account was opened using my credentials with a company going by the name of XXXX XXXX XXXX XXXX on or about XX/XX/2016. It claims it has been placed in collections for the amount of {$630.00}. The account status is still labeled as open. I have received a derogatory remark on my XXXX Credit report making it very difficult for me to obtain the credit that I need. I have never at any time received any mail or bill from this company. I have never had any account with XXXX XXXX XXXX, this is not an account of mines or I have ever opened. I would like to address this immediately. I would like this derogatory remark removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, 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:
I have spoken to the debt collection agency about this debt being paid off to the original debtor. I submitted documents stating I am no longer responsible for this debt. I also sent to the Equifax, and they said the dent is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX or have used this phone carrier. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: CREDIT ACCEPTANCE CORPORATION
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:
Accounts belong to twin brother 1.XXXX XXXX online account charge off account Not My Account 2.XXXX XXXX XXXX Late Payments, Not My Account 3.XXXX Charge off Not My Account 4.XXXX XXXX XXXX XXXX Not My Account.

I Recently settled with a XXXX XXXX bill that was opened in XX/XX/XXXXand closed in XXXX and was later bought XXXX in XXXX placed in the credit bureaus. XXXX  is Notorious for allowing ghost debt to appear on your credit report after the statutory time limit for old/bad debt to reappear on your account even after disputing. ( Collection agencies WINS ) Due to these circumstances after consistently paying my bills on time, My credit score has not reached XXXX keeping in in the mid 400s XXXX  does not integrity and does not strive to help consumers maintain and keep credit up to date. What debt collectors report XXXX  reports, and we as consumers have to go and dispute and wait for responses while credit sits in a derogatory status. I have repeatedly asked XXXX and the debt collectors to provide me with the last billing statement and dates, they have not and will not provide the information. I am working on bringing my score up, paying what I owe and keeping credit in great status, however XXXX  refuses to keep credit status up to date and current.

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 2020-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for CAP ONE credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called CAPITAL ONE XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX agreed to deed back XXXX XXXX on XXXX # XXXX. The letter attached is proof of the agreement entered into with XXXX XXXX  XXXX XXXX. 

On XX/XX/XXXX, Vice President, XXXX XXXX emailed XXXX XXXX XXXX, in response to being in receipt of the paperwork. Mr. XXXX wrote in that email he " will forward to the clerk. '' The Deed in Lieu of Foreclosure was executed and the check disbursed from the account of XXXX XXXX XXXX XXXXXXXX XXXX was received and deposited in the account of XXXX XXXX XXXX, on behalf of agreeing to the Deed in Lieu of Foreclosure. 

Since the agreement was executed, the corporate officials of the Resort on XXXX XXXX has violated the Fair Credit Reporting Act, and reported false and inaccurate information to the bureau of TransUnion. Specifically, the deed in Lieu of Foreclosure is currently showing on my TransUnion Credit Report as a foreclosure. 

I, XXXX XXXX formally request that TransUnion Credit Bureau comply with 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2020-05-14
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for SYNCHRONY BANK credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called SYNCHRONY XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

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 2020-08-31
Company: EQUIFAX, INC.
State: MA
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:
good morning! How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation