BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: Account Liquidation Services Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My personal information is being monitored by XXXX  XXXX because I am a government employee and my personal information was compromised. They told me this bunch of crooks gave put an illegitimate collection account for {$25.00} on my XXXX  credit file and trying to commit fraud against me!! I have no idea who they are andbb van owe no one any money!! Please enforce the laws and fine them and make them remove this account NOW!! I am sure the idiots caused my credit score to go down with this too!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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 right to privacy.

15 U.S.C 1681 section 604 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 2023-04-17
Company: Experian Information Solutions Inc.
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 have attached an FTC report with a fraudulent account and fraudulent inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: United Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NJ
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:
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 

XXXX XXXX XXXX  on 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 2023-04-17
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX  XXXX FIN XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 found derogatory comments and collections on my credit report. I wrote to portfolio recovery assc. and the three credit bureaus expaining that the collections we're not mine. portfolio recovery reported on my credit report that I owed them {$2400.00} for a credit card account open on XX/XX/XXXX and a credit card account open XX/XX/XXXX for {$990.00}. and a credit card open XX/XX/XXXX for {$600.00}. I told them that I never open any account with them and to please remove this from my credit report. that was the first letter I sent out on XX/XX/XXXX. I got bills from portfolio recovery but it wasn't in the right spelling of my name. Second letter I sent on XX/XX/XXXX I challenged the validity of these accounts therefore, verify accounts. I was sent a fraudulent letter from portfolio recovery that they said XXXX XXXXXXXX XXXX sent them. I took the letter to XXXX XXXXXXXX XXXX and they told me it was a fake letter made up by portfolio recovery. 1. XXXX XXXX logo is much bigger. 2 the date was in XXXX and the letter was in English. 3 my name is spelled wrong. still I was not giving any verified documents The Fair Credit Report Act protects against false and erroneous reporting. Today XXXX  and XXXX still have this on my credit report only XXXX removed portfolio from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage was in forbearance due to covid 19 and this company reported late payments from XX/XX/2022 thru XX/XX/2022 i treid to talk to them multiple times that we were in forbearance and no luck with them, they claim from XXXX it was not in forbearance i attached 2 statements that shows that it was in forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Selene Finance LP
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance regularly holds my checks for up to 10 days before applying them to my account. My bank, XXXX, mails my checks to Selene to arrive on the XX/XX/XXXX of every month. They claim they don't receive them on the XX/XX/XXXX and that they process them when they arrive. I have been using XXXX for over a decade and all other checks arrive on time. I can not imagine a situation where all of my checks always arrive a week late  only to Selene. I've spoken to customer service about this situation and they claim the checks are processed the day they arrive. This company steals a week or more worth of interest from me every month. 

My bank mailed my XX/XX/XXXX payment to arrive on XX/XX/XXXX. They claim it didn't arrive until XX/XX/XXXX or XX/XX/XXXX depending on which report you look at. My XX/XX/XXXX payment was mailed to arrive on XX/XX/XXXX. They claim they still have not received it. Attached are notifications from the bank showing the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TapTap Send Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been using tap tap send which is an international money transfer agency for several years now. Recently, I suspended my account and after I followed up for a couple of days, they said that they have permanently suspended the account. I tried to enquiry the reason this but they declined. I feel this is not fair at all because I also have my rights as a consumer. I also have the right to know the reasons for it's suspension.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had been making payments that were requested from XXXX with no prior knowledge of their COVID relief to state payments as deferred and not show up late. Though I was making payments to the monthly payment plan they still incorrectly reported the monthly payment late.

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 2022-07-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There is an account on my credit file that I have disputed and was removed but then placed back on my credit report i have tried disputing this issue several times this account was never paid late and was paid in full and closed this account should not be reported as negative i have reached out to the original company and they have also contacted experian and advised this account to be removed

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: 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 ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. 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 2018-02-12
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my home through Loan drop. I was told that it would drop my payment by {$100.00}, my rate a full point, that I would skip two months of payments, my closing costs was {$500.00} and keep my escrow check. Four days before closing I was told my payment would be {$40.00} higher then promised and I will have to hand over my escrow check for closing. So I spoke back to the original guy I started the process with who informed me that he would take care of it and I will definitely keep my escrow will check. Once again the promises were broken and I was told I do still need to give off of my escrow check because it's going to be part of my closing cost but what I could do is write them a post-dated check and they will cash it 30 days after closing for the closing cost. So I wrote them a post-dated check to only come and find out 3 months later they lost my check. I spoke to another Mortgage Company who told me to bring in my closing documents so they can take a look and see what's going on because they have never heard of anything of its kind. Sure enough the amount that they had me posted the check for that they are claiming is for closing costs is not listed on my closing disclosures nor was it listed in my XXXX tax statement. I think reached out to loan Depot again and ask them why it was not listed on my closing documents or my XXXX statement. I was told that it has nothing to do with closing so I didn't ask but what is this money for. And then received a very condescending email from the processor that just told me I need to send him a replacement check and that if I had any questions to call him but every time I reach out to call him he will not answer the phone. I need help with this lender it seems like something shady is going on. This situation has been going on since XX/XX/XXXX ( closing date ) all the way up to today 's date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
I was XXXX from XX/XX/XXXX until XX/XX/XXXX. Any activity against my credit is not from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received ( 4 ) emails from a legitimate email from Bank of America, saying I had an online application in process for a Bank of America Advantage SafeBalance Checking account. 

I never opened an account and haven't held an account with BoA since XXXX. 

I called BoA, they put me through to the checks systems team who helped me close out the account but they did let me know that someone would have needed my FULL social security number to open an account, so there is obviously a major security breach somewhere.

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: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for several loan modifications with PHH Mortgage beginning in XX/XX/XXXX. I was denied in XXXX of XXXX, reapplied & denied XX/XX/XXXX. I reapplied in XXXX of XXXX and was approved with the same loan amount that I previously defaulted on. PHH inflated my income so that my payment could remain the same and it is documented on the paperwork I received from them. The interest rate also did not change. When I spoke with the relationship manager after the approval, he advised the first payment was due on XX/XX/XXXX. The three month trial agreement letter was due on XXXX XXXX. I made the first trial payment and emailed the agreement on the XXXX of XX/XX/XXXX. It wasn't until I went to make the XXXX payment that I found out that my modification was cancelled because I did not return the trail agreement letter on the XX/XX/XXXX. I made several calls to PHH to make the XXXX payment and spoke to several representatives before one told me the reason why I could not make the payment. PHH did not send me anything in writing regarding the cancellation. I also reached out to the relationship manager directly and asked if he could assist with getting it reversed since a payment was made and he advised the underwriters would not reconsider. I asked for the denial letter and that is when I read it and the approval from XXXX which says they inflated my income so I could afford the payment on their terms. I am no longer able to reach the Relationship Manager directly because the option to dial an extension is no longer given. On XXXX XXXX I applied for another modification. I submitted all necessary documents and had to resubmit tax documents three times because PHH claims they could not see the documents. The third set of tax documents was just sent on XX/XX/XXXX. This experience has been extremely drained, stressful, and has me feeling hopeless dealing with this company, especially with what is going on in the world today. I do feel as though their intention has been to help me. It is always a hassle to get information when I call and quite often I don't get valid information. I've also put a complaint in with HUD regarding this matter for assistance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The spoof usaa number called me and they hacked my account to wire transfer XXXX to themselves

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: WA
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:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Self Financial Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act these creditors XXXX XXXX SELF LENDER, SELF FINANCIAL BANK INC/ XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
providing false Infromation to the DIFS, AG, and other government entities pertaining to my claim. Supporting false information pertaining to my complaints.

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 2023-04-17
Company: EQUIFAX, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX  XXXX I was reviewing my credit report and noticed that their are some fraudulent activities on my credit report and the following accounts are being submitted to the be blocked and deleted from my credit report : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX  Acct Number : XXXX XXXX XXXX Acct : XXXX Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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:
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 Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation