BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian should be investigated for fraud. On their system, our credit score is significantly lower than XXXX  and XXXX  ( the score is similar on those two ). The exact same information is reported to and on all three systems. Experian however, offers to boost our scores if we pay them {$50.00}. So, my score is intentionally posted significantly lower on their system with promise that it will be increased if I pay their bribe? 

If you look at the other reporting agencies through Experian, the scores are close. If you look at all three independently, our scores are significantly higher on the XXXX  and XXXX  sites.

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 2017-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. I recently turned XXXX and learned that my personal information was used to open credit card accounts with numerous company 's. I have been able to absolve all the fraudulent account but XXXX ; XXXX and their collector Portfolio Recover Associates, LLC. I notified both creditors on XX/XX/XXXX that I was a victim of identity theft and that I did not open or authorized the accounts. I ask them to close the accounts and informed them that I am disputing the information because they were a result from the crime. I ask them to absolve me of all charges on the account and take the appropriate steps to remove the information about the account from my credit files. I include the Identity Theft Report File # XXXX, copy of my credit report, a copy of my drivers license and FTC Notice to Furnishers of Information. The XXXX XXXX Bank account was opened on XX/XX/XXXX, I was XXXX years old when the account was opened. I received a response from Portfolio Recovery Associates LLC that they have completed their investigation of my dispute concerning the account and have established the account to be valid. I sent them another letter on XX/XX/XXXX disputing their findings. The letter stated the same information as the letter sent on XX/XX/XXXX pointing out that I was XXXX years old when the accounts were opened. On XX/XX/XXXX I received a letter from Portfolio recovery associates LLC requesting that I send them the same information I 've send them in previous letters. I fell that I am getting the run around with XXXX XXXX Bank and Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I paid for a funds transfer from the state of XXXX to XXXX using the MoneyGram Service located in a Walmart Store. When pickup was attempted by the listed recipient in XXXX the funds were n't distributed, he was required to call me ( sender ) and have me call an XXXX number ; when I called the XXXX number I was transferred to XXXX different representatives who all never explained why this delay was needed and what the issue/problem was that prevented execution of my transfer. When I repeatedly demanded to speak with a mgr I was put back on hold for an extended period of time ( after a 8 minute initial hold to even start the process ), just to somehow get disconnected. When I returned to Walmart to cancel the transaction and get my money back, the Walmart Rep had to call MoneyGram because of a hold status and took nearly 30 minutes of holding on the line to get it cleared for my refund and still never gave me or the rep an explanation of why this all occurred. This was a huge waste of time and no company operating in the US should be able to tie up our funds and not even have call center reps that can speak understandable English and that do n't provide explanations of why our funds are being tied up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Altisource Portfolio Solutions, S.à r.l.
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
THIS COMPANY SINCE SUSPICIOUS TO ASSIST ME. THEY FEEL THEY ARE IN A XXXX LIEN POSITION WHEN THEY ARE IN A XXXX LIEN POSITION. THEY REJECTED MY $XXXX OFFER AND COUNTERED WITH $XXXX BECAUSE THEY STATED THE HOME HAS EQUITY, NOR DID THEY CONSIDER THE FINANCIAL HARDSHIP. THEY ALSO REFUSED TO PROVIDE THERE OFFER IN WRITING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Purchased a new manufactured home in 2016 from XXXX XXXX XXXX XXXX NC. 
Wells Fargo in XXXX NC financed the loan and another company called XXXX XXXX XXXX XXXX  took over the mortgage. My concern is this : I found out that the home has defects from the roof to the interior of the home to windows. these are known as latent defects by law. although there is a one year warranty, i found most of the defects after the warranty was up and by law the statute of limitations applies to this. i feel like i was conned into purchasing the home. I am a XXXX veteran

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 2016-10-31
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was in a car accident and was deemed not my fault. I incurred medical bills. I had insurance even though it was not my fault. The other party had insurance. All the insurance information was provided for both parties. 
I hired an attorney that contacted each vendor and explained that there was litigation in process and that it was illegal to report any debt until the actual debt responsibility could be determined. 

We disputed the debt even though they had NEVER disclosed the debt prior to placing it on my credit report. We disputed the debt through the vender who gave us High Desert Creditors info. In spite of our disputes, written attorney correspondence, and repeated follow up I find ( when I apply for a mortgage loan ) that High Desert Creditors IGNORED our disputes and reported the debt anyway. I may lose my fantastic rate because it dropped my scores approximately XXXX points. I have now suffered monetary damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
the attached letter was sent to Equifax but all XXXX credit bureaus are reporting XXXX digit mortgage account numbers for my mortgage loans and student loans that have been discharged and forgiven since per letters to that effect which my attorney has fro mthe us dept of education and all the loan servicers. 

XXXX now is retaliating by not applying my payments that they hold on to now allegedly for two weeks in order to allegedly get late fees and manufacture defaults like XXXX and other sewer service XXXX trust servicers. 

so the new York attorney general announced that all XXXX credit bureaus have agreed to get rid of false information that they are being paid to maintain by XXXX and XXXX for loans I never applied for and have no loan docs for and no settlement docs for and the y both violate the national mortgage settlements with us do justice. 

please see attached letter to Equifax from my attorney XXXX XXXX regarding XXXX that i have filed now XXXX complaints against with the uscfpb. 
Your submission, [ Case number : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
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: Information is missing that should be on the report

Complaint:
On or around  XXXX    XXXX  , a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The ite m ( Inspiron 3050 - a  microcomputer ) was received at my home add ress ( redacted ).  It did not include an invoice ( an invoice was obtained later after several requests to  XXXX   ). I  was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of   XXXX  , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in u nder one year ( >   {$300.00} by the end of   XXXX   )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX company is still reporting on my credit report that the mortgage was included in bankruptcy in XX/XX/XXXX. However I sold the home in XX/XX/XXXX and the loan was paid in full. I have a paid off letter from XXXX XXXX XXXX however XXXX XXXX XXXX is refusing to update my credit report. I continued to lay the mortgage and the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-23
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:
The following account is not mine : PORTFOLIO RECOVERY ( XXXX XXXX ) opened XX/XX/XXXX, and XXXX XXXX XXXX opened XX/XX/XXXX. I have never applied nor used these accounts. these accounts are unauthorized and not approved by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
O n or around   XXXX  2016 ,  a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The item  (   XXXX   XXXX  - a microcomputer ) was received at my home address  (  redacted ). It did not include an invoice ( an invoice was obtained later after several requests to  XXXX   ).  I was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of  2016 , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in unde r one year ( >  {$300.00} by the end of  2016  )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.

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 2017-03-23
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
BBVA Compass ' Bankcard Collections Department placed a hard credit inquiry on my credit report on XX/XX/2017 which has lowered your credit score with XXXX by XXXX ( XXXX ) points. I have not requested a loan, credit card or any financial service from BBVA Compass for them to put a hard credit inquiry on my report. I request the Bank provide a letter to XXXX requesting that the Bank 's hard credit inquiries be removed. I also request that the Bank refrain from performing any additional hard credit inquiries on my credit history with any of the XXXX major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient holds loans in XXXX separate accounts and will not consolidate to XXXX account so that I am paying one APR on the full amount. The APR stands at around 23 %. Most of the payment goes towards the inflated interest first and is not paying the main part of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt collection appeared on my credit report for {$810.00} owed to Jefferson Capital Systems ( JCS ) with the original creditor listed as XXXX XXXX, opened on XX/XX/XXXX. I sent XXXX a debt verification letter dated XX/XX/XXXX, asking for several specific pieces of documentation which proved their claim of a debt owed. XXXX responded with a letter dated XX/XX/XXXX, which included a single-page document and claimed it to be " verification of the account ''. The document provided is what appears to be an overview of an account with XXXX XXXX ' one-month billing period XX/XX/XXXX, to XX/XX/XXXX,. This document shows only a total amount owed on the account and lacks specific information that, in my opinion, is necessary to prove any owed debt on my behalf. It's also unclear who owns the rights to this debt as the bill is directly from XXXX XXXX and can, to this day, be accessed and paid off directly through XXXX XXXX via their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A collection has shown up on my experian and XXXX that is from XXXX, a company in kansas that provides electricity for homes and business. This collection is not for me, it is for my ex-fiances home. I was living with her from around XX/XX/XXXX until XX/XX/XXXX, and there were certain months that i would pay her bills buy putting them on my debit card if she was having money issues and also i was using the electricity also. The account was in her name, but since i had paid it majority of the months using my card, when she allegedly defaulted after we had split up and they could not get money from her they attached a collection to my credit reports. I have tried unsuccessfully to reason with the original creditor and the credit reporting agencies. The ironic part is i have XXXX at my home now, If i actually owed them any money, why would they have gone and given me another account years ago. This collection has hurt my overall credit profile with regards to obtaining preferable financing on homes and business loans, and on more occasions than i can remember cost me from obtaining new lines of credit with banks. My desired resolution to this issue is for experian and XXXX to remove this inaccurate collection from my accounts.

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 2017-02-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XX/XX/XXXX, Experian will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with XXXX balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.

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 2021-06-23
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: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation