BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
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: Public record information inaccurate

Complaint:
I am disturbed that Experian continues to list the dismissed bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Experian has no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Experian must delete this information from my credit report and send me an updated copy when this action is completed. The law clearly states from date of adjudication or date of order of relief. A Dismissed Case will never have a " date of Adjudication '' or " Order of Relief ''. Experian is in violation of the law and must immediately remove this information. 

Considering that this does not require an investigation, I would appreciate Experian removing all dismissed Bankruptcies within 14 calendar days from receipt of this complaint.

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 2018-01-24
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notification today that a collection was added to my credit report in the amount of {$920.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports/ also I paid the reletting fee to move from the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: MO
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:
These are the addresses listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 
( 1 ) XXXX XXXXXXXX XXXX  XXXX, TX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX, TX 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 2019-05-14
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a report from early warning in which it listed banks on my report that I never was associated with XXXX XXXX XXXX is reporting and I would like to get this account removed from Early Warning being that the account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have a medical bills on my credit report who was already paid by my insurance. I received calls from collection agency with treated and rudeness. I never received any final bill from any office to paid just received calls and find out when I check my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I contacted PNC Bank NA for a line of credit and they approved me for it. I already have XXXX other lines of credit with the same bank, which I intended to keep for liquidity, but also XXXX of them has a far better rate than the new line of credit. PNC closed the prior lines of credit without any written or verbal disclosure- replacing them with a single one that has a higher APR. I was given no warning of the lines of credit closure and it did not authorize their cancelation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Following XXXX transactions are not authorized. 

{$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 {$2000.00} - XX/XX/2021 I filed a report in regards to these XXXX transactions. However, the bank did not even issue a temporary credit while investigating these charges and weeks later, they denied my claim. Wells Fargo is acting irresponsible for its customers when it comes to high amount claim because they are very greedy. This so-called {$0.00} liability guarantee is a false advertisement. Evil corporation likes to take from the poor. Please issue a temporary credit and reinvestigate these charges.

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 2018-09-11
Company: Total Card, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We am continually receiving calls from XXXX, Total Card, to collect a debt belonging to XXXX XXXX. 

My land line phone number, XXXX, used to be assigned to XXXX XXXX 's father, XXXX XXXX. I was assigned this phone number in XX/XX/2017 by XXXX XXXX. We get a call at least once per month from Total Card requesting to speak with XXXX XXXX. I have told Total Card numerous times that XXXX XXXX is no longer at this number and not to call. 

My XXXX sister resides with my husband and me, and she gets very important calls regarding her medical issues from her medical providers. Having to answer calls from Total Card causes calls from my sister 's medical providers to go unanswered because she or my husband and I answer all calls in the event the call is for my sister from one of her medical providers. 

We would like to have Total Card contacted and have our land line phone number, XXXX, permanently removed from their database as the debt being collected does not belong to anyone in our household and the phone number no longer belongs to XXXX XXXX 's father, XXXX XXXX, as it has been reassigned to XXXX XXXX to me. 

Thank you, XXXX XXXX XXXX XXXX NH

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have a collection on my credit report Numerous times with all three credit bureaus only to have them come back and see that it is verified. So today I finally called this collection agency. I asked them for original proof that this was something I entered in to prove my identity and signature something to prove that the account belong to me. Provide me anything at all not even tell me anything because they can not even collect this debt in the state I live in they are not license thats XXXX XXXX amd XXXX XXXX XXXX. Contact XXXX   XXXX  and Trans Union and they are very disrespectful when Im trying to explain this they want to cut me off and they are unable to hear reason that they have been violating my rights to report accurately verify the information when I dispute it because I have disputed it multiple times and if they cant give me the information this company they sure as heck cant give it to Bureau because they can not practice collections in the state of North Carolina. The company agreed supposedly to delete this item but I have yet to see

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 2019-05-15
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I hope this complaint finds you well. I also hope that my complaint will serve as a warning to other individuals who hopefully read this complaint and how to avoid Diversified Consultants. 

First and foremost, after receiving a letter in the mail after noticing that Diversified Consultants has placed a Derogatory Remark on my Credit Report, thereby severely ruining it I was deeply concerned. I had filed a complaint with XXXX as well due to their communications tactics, and their complete disregard to providing me with all of the information necessary to validate the debt in a timely fashion. 

They have refused to provide me with the following information, as per the Debt Validation requirements : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Not only that, but the only letter I received from them was the same letter that I have received previously, and this is deeply concerning to me. As the original balance has been successfully paid off in the past, and they are trying to still collect said debt more than 5 years later! 

Lastly, when I filed the XXXX  Credit Dispute I then noticed in the fine print that they operate as a different entity in my state ( Massachusetts )! This could also cause an error with my dispute as well and I believe this is a under-handed tactic by them! 

They claim to be named Diversified Consultants, Inc., which can be found on the top right of the letter attached to this complaint. However in the fine print they state that they operate as Florida Diversified Consultants in the state of Massachusetts. 

Lastly, they claim that I must inform their office that I am disputing the validity of this debt, instead of having to go through the credit bureaus. 

Please help me resolve this issue, as this is severely affecting my future prospects in multiple areas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, Capital One did a hard inquiry on my credit report. I did not apply for a credit card nor authorize Capital One to make an inquiry on my credit report. I found out about the inquiry through XXXX XXXX, who sent me an email. 

Two days later, I received an email again from XXXX XXXX stating that there were more hard inquiries on my credit report. These were from department stores Kohl's/Capital One, XXXX XXXX/XXXX XXXX and XXXX XXXX/XXXX. Again, I did not apply for any credit cards nor authorize any of these department stores to run my credit. 

On XX/XX/XXXX, I called Capital One to inform them and also filed a dispute. Per XXXX, the person I spoke to, there was no card issued. I was also able to contact XXXX XXXX/XXXX XXXX and informed them of the ID theft and filed a dispute. Per XXXX, there was no card issued. 
I also contacted Kohl's/Capital One in the next few days and XXXX XXXX/XXXX on XX/XX/XXXX. 

In the next few days, I received credit cards in the mail from Kohl 's and XXXX. I called them again to let them know that I did not apply for any credit cards and I already filed a dispute and ID theft complaint. I cut the cards because I did not apply for any of those. I was told that there are no charges on the cards and I am not responsible for any charges ( if there would be any in the future ) associated with those cards. 

I am currently waiting for the outcome from all the investigation from these 4 banks/credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX I asked them to send me a letter saying they purchased the debt and how much it was purchased for. She started yelling at me and talking over me without listening and I told her to stop contacting me and she kept yelling at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a Chapter XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX  XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the three credit reporting agencies to correct this information to no avail. I also provided the 3 credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my Chapter XXXX Attorney and will file a grievance with the bankruptcy court against this company and 3 credit reporting 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 2021-12-01
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
There are persistent issues with this bank, Cornerstone Home Lending. Ever since I closed my house this with this company it has been unable to accurately escrow my account or pay taxes on time. For XXXX, I got legal notices saying i needed to pay my taxes becasuse this bank did not pay them. I had to submit a request for them to pay them and they did so late, paying late penalty fees. Again, they inappropriately applied my homestead exemption when calculating these and most recently, the real issue, is that they have misrecorded my XXXX taxes which has affected the affordability of my monthly payment. I owe school taxes to XXXX County ( {$3800.00} ) and real estate taxes to XXXX County ( {$2700.00} ). For XXXX, they combined these payments into their system and just called them " XXXX County '' taxes and it shows the combined total amount of taxes paid but, solely for XXXX County. For XXXX, they now assess my total annual taxes for XXXX based on this incorrect figure and then on top, applied my insurance and XXXX County taxes. This in turn has raised our monthly payments by over {$400.00} a month and we are in danger of foreclosing on our account if not immediately fixed. I've asked this bank to fix and they said they already did the assessment in XXXX of XXXX and can not help. I have to resort to CFPB to fix.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Account Recovery Specialists, Inc.
State: NC
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:
I have a collection on my credit report Numerous times with all three credit bureaus only to have them come back and see that it is verified. So today I finally called this collection agency. I asked them for original proof that this was something I entered in to prove my identity and signature something to prove that the account belong to me. Provide me anything at all not even tell me anything because they can not even collect this debt in the state I live in they are not license thats XXXX XXXX XXXX XXXX XXXX la. Contact XXXX   XXXX and XXXX XXXX and they are very disrespectful when Im trying to explain this they want to cut me off and they are unable to hear reason that they have been violating my rights to report accurately verify the information when I dispute it because I have disputed it multiple times and if they cant give me the information this company they sure as heck cant give it to Bureau because they can not practice collections in the state of North Carolina. The company agreed supposedly to delete this item but I have yet to see

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/XXXX, I logged on to my Citi online account and noticed a balance due and that a payment had been made on XX/XX/XXXX which I did not authorize. My account had been paid off with a XXXX balance since last XXXX, XXXX. When I checked the transactions ( made XX/XX/XXXX XX/XX/XXXX ), I knew they were fraudulent as I have never been to XXXX and have never done a cash advance on my account. I immediately called Citi to alert them of these unfamiliar charges and alerted Citi that I was not the one that had made that payment on my account on XX/XX/XXXX. They immediately canceled my account and opened an investigation. The representative asked me for my security word which I provided and she advised me it was incorrect and that it had been changed. She also confirmed to me that the billing address on my statement had been changed to an address in XXXX. This in itself shows my account was hacked and this was a case of account takeover. I have never lived abroad nor do I know anyone in XXXX. 

On XX/XX/XXXX, I called Citibank to get status on my investigation. I confirmed to her I was disputing all transactions in XXXX. On XX/XX/XXXX, I called again asking for status once again. On XX/XX/XXXX I received correspondence that the investigation had been completed and I was responsible for the fraudulent charges. On XX/XX/XXXX, I spoke with XXXX who advised me that my investigation had been reopened. Then on XX/XX/XXXX I was able to speak with XXXX XXXX " Executive Response Team after many attempts to reach her and she advised that the investigation was closed as a CHIP card was used and I was responsible for charges. 

Not only did someone make a payment on my account, they also fraudulently charged items, withdrew money and hacked my account to change my contact information. Security on my account has been seriously compromised and my account was taken over without my consent. 

I have never been to XXXX and have my valid US Passport to prove it and can provide a certified copy to Citibank. I also requested that video be obtained of the place where the cash withdrawals were made in XXXX. This will further confirm that these transactions were not done by me or authorized by me. 

I did my duty in reporting it to you in a timely manner. They have not taken the time to investigate this fraud and security breach. 

I filed a police report today at my local police station to be added to this fraudulent claim file. 

I have an excellent payment history with Citibank and impeccable credit and can not let this blemish what I have worked so hard for. They just are not making an effort to assist me in a fair manner.

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 2019-10-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a collection account with XXXX that I paid in full and current balance is {$0.00}. This account is reported to XXXX and XXXX as ''closed '' account. However, Equifax is still showing the account as ''open '' account. I disputed the status of the account with Equifax several times before and sent them a letter from the collection agency that shows the account being pad in full and ''closed ''. However, everytime I dispute the account with Equifax, they mention it is ''collection '' account it it doesn't close, which does not make sense cause that same account was closed with both XXXX and XXXX even it is collection account. I asked him to show me where in Equifax website if there is any disclosure that you can't close account because it is collection account but he could not share any policy related to that. Under Fair Credit Act, this account has been closed by the creditor and collection agencies and been reported to XXXX and XXXX as ''closed '' account. However, Exquifax is not welling to comply with this Federal mandate. Therefore, I am filing this complain against them, which is not surprising such non-compliance comes from a company leading in security breaches every time we hear of one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Dynamic Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I tried to contact this collection collection, Dynamic Recovery Solutions in reference to XXXX XXXX XXXX asking them to send me Vertifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$42000.00} is mine. They have failed to vertify this account which has hurt my ability to obtain credit. This collection company has only sent 1 collection letter and I have sent them 4 dispute letters and have never received an response from them. This account doesn't belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account remove from my XXXX, XXXX  and XXXX  Credit Report.

Company response to consumer: Closed with non-monetary relief