BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Since XX/XX/2015 my Mortgage loan with US BANK is not being reported to Credit Bureau. I have contacted the bank several times to get this issue corrected but the bank is not reporting the loan after all this time. I do n't know what else to do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Aldous & Associates, PLLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today, XX/XX/2020, I received a letter from Aldous & Associates in XXXX, Utah dated XX/XX/2020. The letter stating that I owe XXXX XXXX a debt in the amount of {$84.00}. I called XXXX XXXX in XXXX XXXX, CT to inquire about the debt but reached a voice mail recording stating the mailbox was full. 
Next I called Aldous & Associates ( XXXX XXXX ) and explained that I did not believe the debt associated with the account number indicated was in my name or bearing my signature. I stated I have never even received a bill from XXXX XXXX, How can it go to collections? I asked that verification of the debt be sent to me.I was told I was required to send the request in writing within 30 days, before any verification would be sent. 
I called the Federal Trade Commission Consumer Finance Protection Bureau and was given information that Aldous & Associates had 5 days to mail a communication acknowledging my call and 30 days to send the requested proof of debt. I called Aldous & Assoc. back and told them what I had just been told and requested proof of debt again. I was denied and told I first had to send a letter. I explained I have been recovering from XXXX  XXXX and healing from a XXXX XXXX and have trouble getting around. I asked if they had any accommodations for people with XXXX. " No ''. What about the Americans with Disabilities Act- Don't you have any provisions for the XXXX? " No '' I asked if I could email my request. " No '' I asked if they had a fax I could send it to. " No ''. I asked for the name of the person I was speaking with. " XXXX XXXX ''. ( Suspiciously generic name. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recently, I was contacted by TD Bank about a checking account I used to have with them. To my shock, they told me that I had an outstanding deficiency balance over {$800.00}. I told them that I did not know how that was even possible, and asked them to send me some kind of account detail to show how they arrived at that figure. I have yet to receive the requested information. Furthermore, they told me that if I did not pay it in full within a few days, they were going to send that balance to a collection agency, and it would hurt my credit scores. To try to avoid that from happening, I offered to make small payments towards the debt until we could get it all sorted out, however the TD Bank representative told me that they could only accept payment in full, otherwise they would be sending it out to a collection agency to damage my credit. I was shocked that they offered no other solution for me, especially in the middle of a pandemic. Our income has been affected by the Covid crisis, and its hard enough to just keep the lights on ; much less pay out $ XXXX at one time to a bank that will not even show me how they are arriving at the balance they are trying to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have found several errors on my credit report via Trans Union. I asked Trans Union to investigate, but they have refused, stating it was my responsibility. 

I forwarded to Trans Union a copy of the Fair Credit Reporting Act Fact Sheet stating that is was their responsibility, and asked them to do so. To date they never responded. 

These regard XXXX inquires made to my account. Neither of which are mine, as I have not applied for credit in approximately 1.5 years. To date, there is only XXXX inquiry which I authorized in the last XXXX years, yet inquires keep appearing on my account. I have credit tracking through Trans Union so I know when a new inquiry is logged. XXXX recently came up even though I have not applied for any credit. 

I have informed TransUnion that I believe these to be fraudulent and I wanted them investigated. They have not responded. 

I would request the FTC / CSPB t0 please enforce the FCRA and have Trans Union remove these inquires as it has been well over 30 days since I made the inquires and they have not provided any documentation that they are mine and they are negatively effecting my credit.

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 2015-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am repeatedly getting calls both on my cell phone and my place of business. I have asked that they send a letter advising of the debt so I can handle it accordingly if owed and then block the number on XXXX. I 'm continuously getting calls from changed numbers and no letters have been sent. 

The other numbers that I 've been called from include:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.XXXX  XXXX XXXX {$280.00} XXXX XXXX {$18000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX   XXXX {$6800.00} XXXX XXXX XXXXXXXX {$270.00} XXXX  XXXX {$2400.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$390.00}

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 2015-07-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My husband recently died a tragic death. He had a XXXX credit card that I was not aware of. He was the primary cardholder. If I was an authorized user I did not know it. I gave XXXX notice of his death ; provided information to close out his homeowner and auto insurance and started a new account with XXXX. I was in the early stages of refinancing our home and a derogatory credit comment showed up on my credit report XXXX : my deceased husbands XXXX credit card. I called XXXX and spoke to someone in the credit card department and explained the situation to them, I was told there was no derogatory or negative information on my credit from them, I was referred to the credit dispute department : Credit Bureau Dispute over Deceased Accounts and I was told to fax a letter to them, they will review, and it will take approximately XXXX days before it is removed from the respective credit bureaus. I completed all that I was told to do and the letter was faxed XXXX XXXX, 2015. It still remains on my credit report and refinancing my home is on hold. I have not anything further from this department XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I XXXX XXXX, natural person and consumer have been a victim of unfair practices by consumer reporting agencies as they are reporting information that is not validated on my consumer report. This has caused me mental anguish, embarrassment and has been a defamation of character.

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 2020-01-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
All of my account balances are XXXX and I have notified the credit bureaus since XX/XX/2019 and they still showing balances incorrectly

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 2020-11-17
Company: Prospect Financial Group, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
AFTER REPEATED COMPLIANCE TO REQUESTS FOR FINANCIAL INFO - NO RESPONSE. NOT SURE WHY INFO IS REQUESTED - TAKING HOURS - AND FOLLOW UP EMAIL INQUIRES, CONTINUES NO REPONSE. 

MULTIPLE DATES OVER ONE MONTH.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Debt Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was harassed about this debt with XXXX XXXX. I was called and told I would be arrested for committing bank fraud if I did not pay the debt immediately. Under a lot of stress and a bad financial situation, I paid the debt that they said I owed. As a part of the negotiation, they agreed to delete the debt from my credit reports. The collection activity is still showing on my credit report. This company should seriously rethink their collections tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
equifax reporting XXXX debt of {$41000.00} ; when it was disputed they simply sent their records showing years of this debt being in the record ; i have been unable to ascertain WHAT this debt is because i have recently been granted Total Permanent XXXX for my student loans. I can not begin to resolve this issue until i can determine 1 ) if this is a VALID debt 2 ) if this indeed a student loan, i need loan origination and promissory documents ; if not i am requesting this XXXX line item be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX called me. Called back at XXXX They do not identify as debt collectors. They take a threatening tone and say they are calling to resolve a personal business matter and refuse to identify the debt they are attempting to collect or the amount and say that I have to give them their address or they will not identify the account they are attempting to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: URS Holding, LLC
State: WV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXX XXXX I was pressured by XXXX XXXX XXXX into consolidating a loan that was owed through XXXX XXXX XXXX. It was report to me I needed to pay 6 thousand and some dollars. I want to know why I was not offered a payment plan? I was given two options Pay debt in one lump sum or reconsolidate or be in Federal Default. Also I would like to know why your debt that you collected does not match up with a federal website? Below is a list of questions along with supporting evidence that you collected more on a debt then what I owed. Also XXXX state I paid XXXX on this debt through email communication so how I still owe XXXX on a XXXX dollar loan I am unsure. Below you find all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total and please validate based on my enclosed uploaded items. 

Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XX/XX/2020. 

Unvalidated Debt Amount : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX. 

I would like the following to happen : 1. Removal of errant account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Performant Financial Corp did an " Hard ' inquiry ( which decreased my fico credit score. Any Hard inquiries decreases your credit scores ) without telling and/or informing me that they were going to inquire about me on my credit report. I did not sign and/or give verbal authorization as well. When I called to ask for them to delete from my credit report, Performant Financial Corp will not. When asked to provide any documentation that I gave authorization to inquire, they will not provide it to me. Per FCRA I have a right to request for this inquiry to be removed from my credit report. Attached is a copy of my credit report XXXX page XXXX inquiry down Performant Financial Corp inquiry, XXXX page my rights. Please remove from my credit report. 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
Consumer complaint received 2015-04-14
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I wanted to transfer, on Pen Fed CU website, money from our checking account to IRA account. The IRA account was not available for transfers. I called and ask why it was not available. I was told that this kind of transactions is prohibited by law - because of reporting requirements. Is there a law/regulation that prohibits electronic transfer of money into IRA account form checking/savings account?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to XXXX. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to Equifax, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with Equifax three times and submitted proof of settlement and payment, but Equifax refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to Equifax three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that Equifax must change the credit report status from " charge off '' to " paid '' or " settlement. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Just received response from Equifax for complaint XXXX. The company did not complete an actual investigation for the second time regarding this matter. I disputed the accuracy of the information in regards to the date of first delinquency for XXXX XXXX and XXXX ( formerly XXXX Bank ). I have XXXX XXXX Bank accounts XXXX for {$6000.00} and another for {$3600.00}. The account in the amount of {$3600.00} is the disputed account which matches the XXXX collection account. The XXXX account with the amount of {$3600.00} was removed from my credit report because it is past the 7 year mark XXXX XXXX XXXX XXXX, 2008 ) however, Equifax is stating that the associated XXXX account is reporting accurate information. This is not true because the original creditor already stated to me that the date of first delinquency was in XXXX 2008 AND Equifax already removed the original creditor account. XXXX stated the same but will not dispute the information with the CRA. Please advise what my next step is in removing this inaccurate information before I can initiate a lawsuit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is reporting negatively on my credit report XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit. 
Account # 1 {$280.00} Balance XXXX XXXX Original Creditor {$280.00} High Balance XXXX XXXX, 2016 Opened Date XXXX XXXX, 2016 Last Reported Individual Responsibility Placed for collection Remarks Note I would like the items removed from my credit report, updated bill notifications, and payments reported correctly to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX  i submitted and fraud report because I was apart of the XXXX  data breach and my identity was stolen there are still reporting items that were apart of the identity thief which is a violation of the ftc Metro 2 Compliance - Standardizes  the information reported to all 3 credit bureaus so that furnishers of credit information to bureaus must use the proper formatting in a form that contains charges that list the wrong date or amount ; math errors ; 67 fields. 17a, which on your credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifcations to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I been asking XXXX to provide me more information on a account that they been reporting on my account for 6 years Been asking and calling since XXXX 2020. With no response. Was asking for contract. Payment history and what the vehicle was sold at a auction. Paper work from auction.

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