BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
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 reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.      XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   PRESTIGE FINANCIAL   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: TX
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 disputed three inaccurate 30 day late payments on my credit report directly to Experian. I submitted all documentation by certified mail on  XXXX   XXXX ,   XXXX   to Experian including : record of my payment due date (  XXXX  each month {$840.00} ) along with printouts of my Bank Statements, verifying the date the funds were withdrawn from my account for payment of my vehicle loan to  XXXX   XXXX . I noted the inconsistencies between the  XXXX  reporting bureaus of this account. I noted inconsistent accounting of the actual payment amounts listed on the account that were displayed in my credit report. I asked for the amounts paid and dates they were paid to be updated on my report. I explained that the credit union my loan was with got bought and the new credit union was not applying my payments correctly. I requested they look at my account of the prior loan company it was with :  XXXX   XXXX   XXXX  and take notice I never had a late payment before the buyout. No follow up to my request by experian giving a response. The file should be updated noting no late payment and all payments made accordingly to on time status.

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 2016-12-09
Company: ALLY FINANCIAL INC.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I set up a permanent recurring online transfer, once every six months between Ally Bank and an external account without limiting it to a number of transfers or an end date. I received an email alert stating the following : " Ally Bank Alert Ally Hello, XXXX XXXX There 's only one more scheduled transfer for your recurring plan. 


Amount : {$0.00} From : Ally Bank, Checking To : XXXX " Ally Bank refused to contact me with follow up information and demanded instead that I contact them repeatedly until they figure out the issue. This bank has made repeated egregious errors which I have previously reported to the CFPB and has demonstrated a consistent inability and unwillingness to address or resolve them.

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 2016-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Re : Account # : WASHOECTY XXXX To Whom It May Concern, I disputed the referenced account above on XXXX/XXXX/16. The credit report of XXXX/XXXX/16 shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 
Sincerely, 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 2017-05-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind due to lack of hours at my old job and due to the fact the shower collasped in this house, my car broke down and the furnace broke down. I have since gotten a good job with consistent hours good pay and receive adequate income from child support and ssi for my  XXXX  daughter and this company says I do not have adequate income. I have filed a dispute against the under writer to no avail. I really feel like I have been discriminated against.as a single parent and parent of a  XXXX  child I have called multiply times to talk to the under writer and have been bounced around and finally was able to leave her a message to this date she has yet to call me I have all this noted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've disputed this account twice. Each time they have not deleted the account as requested but instead update the account as a new debt. Which harms my credit worthiness and character. I disputed the account in   XXXX   XXXX   XXXX     and again this year in  XXXX . After the first dispute I received no reply from the company only and updated credit history with a negative reflection on my credit. After  XXXX  's dispute they now send me a bill. The account does n't belong to me. Yet, they are asking me to pay  XXXX .   I do n't know if the company is  Pinnacle or Resurgent  as I have one company listed on my credit and the other sending the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Seterus, Inc.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My loan is being serviced by  Seterus Inc. and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage after the 1st modification was approved. Again, they have offered me two times another loan modification only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've bee n treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until  XXXX   XXXX  but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tactic s ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks o n me is taking it 's toll.

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 2016-06-14
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a title loan with Loan Mart in XXXX on XXXX/XXXX/14. I paid approximately {$360.00} per month on a {$3700.00} loan amount. I made 16 payments and finally got in a position to pay them off. I made them an offer of {$3000.00} and they agreed to take it. They drew up a contract whereby they accepted this as payment in full. I signed, they signed, and I made the payment. a few weeks late they recorded a " charge off '' on my credit report. My credit score dropped almost XXXX points!! No where on the settlement contract did they indicate they would record a charge-off. If it had, I would n't have done it! I have called numerous times and they will not give me the time of day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, Transunion deleted several inquiries from my credit report and reinserted deleted inquiries without proper notification to me. I would like to have these inquiries removed. I spoke to a Transunion representative over the phone but he was not able to resolve the issue to my satisfaction. 

I have included a screenshot of the removal of my inquiries. I do not have a record of when they were re-added, but an examination of my credit report will show that they are again present.

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 2017-05-09
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
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 disputed that the card is an unverifed account on my credit report and the company did not sending any proof or validate that the card was opened or used by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Recently my  XXXX   XXXX   XXXX  mother fell and   XXXX   her   XXXX   in three places, while she was in the hospital her tax refund cam e ( she is still in the hospital ), she signed it over to me and told me to pay her rent with it. I endorsed it and deposited it in my Chase account. Several days later I get a letter from Chase telling me that they have restricted my account and  plan to close it because they were unable to verify my mother 's signature. WHY would this problem warrant shutting down my account that I have had for over 20 years? My mother is in the hospital and they could easily call the hospital to speak with her but they insist on me getting a letter from the hospital stating that she is there AND on top of it I have to pay for a notary to go to the hospital and have it notarized then take it to a branch. I am beside myself that I need to do this, I have been given no reasonable options and I am dealing with some very emotional issues regarding my mother 's future. Their solution is unreasonable and causing me a tremendous amount of distress at a difficult time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and there 's a collection for  XXXX . They refuse to show me any documentation. I just turned  XXXX  in  XXXX . There 's no way I authorized this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Creditors Specialty Service Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Creditors Specialty Svc of NV inc informed me that a car I owned was towed after I sold it, I told them I had sold it and they asked for proof so I called DMV and the representative told me that the towing company contacted the DMV to see who the past owners were and they also told me this type of thing happens all the time that they try to collect from any one who use to own the vehicle, they sent me documents that show that I indeed completed the release of liability. I called the collection company and told them the name of the person we sold the vehicle to but we still are receiving threats from the collection company and its been over 3 years since I received the first collection notice.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-29
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Diversified Consultants, Inc. has aggressively continued to report unfavourable claims on my credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: National Credit Adjusters, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Company continues to call and harass me after repeatedly asking them not to call me while I 'm at work. They continue to call and hang up when I ask them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
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: Public record information inaccurate

Complaint:
Debit owed to IRS was paid in full with 2016 tax return refund. Refund was taken directly by IRS. They did not report it paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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:
I was checking my credit report and I dont see any changes. I already told you that these accounts are not belong to me. I think that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was submitted for dispute longer than 30 days with paid information. I have not received any answers from the debt collection agency nor XXXX XXXX ( known as XXXX wireless ) The debt was fully paid to prior collection agency in the total of XXXX. I have submitted such proof with proof of the settlement with the collection agency. XXXX is failing to remove the collection out of my credit report or simply report it as paid. I have made every attempt to contact the collection agency and XXXX ending with no result.s

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Credit agencies XXXX, Transunion allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine its now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.

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 2017-05-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX  was the original creditor the account was first delinquent in  XXXX  and they subsequently sold the account. However, after the account was sold they continued to report the sold charge off for the next 5 years. The last update was  XXXX   XXXX ,  XXXX . The account is listed as sold. They are not allowed to continue to report once they sell the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: KY
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 disputed account number  XXXX , from  XXXX   XXXX , with Experian asking to honor the agreement between  XXXX  and I, which was to have the account  XXXX , from  XXXX , removed from my credit file. After mailing the letter with the terms listed, cashed check with the terms LISTED ON IT if cashed, and the certified receipt with who signed for the letter and check, Experian just updated the account. I feel my rights was abrogated and not upheld by Experian, even after sending proof! I would upload the letter, cashed check, and who signed for these items below. I will also upload the certified receipt that Experian signed for on  XXXX   XXXX ,   XXXX   when i initiated the dispute.

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 2017-05-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sometime in   XXXX   XXXX     I submitted a dispute with Experian stating that   XXXX   XXXX   which is a  3rd p arty debt collection for  XXXX  was not mines and should n't be on my credit file and I did n't owe them, the account number is  XXXX  after the investigation was completed   XXXX   XXXX   was removed from my credit file on   XXXX   XXXX   XXXX    , then on   XXXX   XXXX   XXXX       XXXX   XXXX   was added back to my credit report {$1500.00} without my knowledge I never received anything from Experian stating thi s 3rd part y agency would be added back to my report I do not owe this company as this debt does not belong to me I actually have  XXXX  now as my  carrier fo r cell phone service so how can I owe them a past debt and have service with them now, I would like to have this removed from my credit file again and not placed back on, this debt does not belong to me.         thank you

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