BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
After reviewing my credit file with XXXX, XXXX and XXXX. I found an inaccurate account furnished by Portfolio Recovery. I sent a letter to Portfolio Recovery to have the debt validated and never received a reply. I feel I have exhausted all remedies to solve this matter. The account Im referring to is Portfolio RC XXXX Account # XXXX, XXXX Account # XXXX, Portfolio XXXX Account XXXX XXXX. I have found the following inaccuracies : Account number is inaccurate, Date last verified is inaccurate, Date of last activity is in accurate, Date reported is inaccurate, Closed date no data, Payment status is inaccurate. Is this a collection or a charge off? And Last Payment is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NC
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 sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; FACTUAL DATA XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: ONLINE Information Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is attempting to collect {$790.00}. 
This is not my debt. 
I never opened a XXXX XXXX XXXX account nor have I ever requested or used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I am unable to obtain my credit report or dispute items online with Transunion. I have called time and time and no one can seem to help me. They continue to refer me to XXXX and guess what? I ca n't get my report online there either. Calling the customer service numbers is just as equally frustrating as it is obvious that the call centers are offshored to XXXX and I have a HUGE issue with that. Not only can I not understand them, anytime they are forced to work offscript, the customer service reps can no longer help. This industry is the most outdated, unreliable, and draconian of industries that I have ever had to deal with. Unlike our judicial system where one is presumed innocent until proven guilty, the credit reporting industry is the opposite. Guilty and you must prove yourself innocent. So much reliance is placed on credit in the United States and yet the system is BROKEN!!! Not only that, outsourced to countries that probably do n't even know what the concept of credit is!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I went to try and get a car and was told there are bankruptcies on my credit. This information is not correct as I have never filed for Bankruptcy ever in my life. Please have bankruptcies removed from my credit immediately.

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 2018-09-21
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I received confirmation from XXXX that a buyer in XXXX won the bid for my XXXX XXXX. The posting had a no return policy. I received an email from PayPal confirming the payment. On XX/XX/XXXX, I shipped the phone to XXXX. The buyer refused the phone because they did not want to pay the custom fees. They requested a refund through XXXX, which I refused at the time because I did not have the phone. I asked XXXX what were my rights as seller. They stated I could give a partial refund, a full refund, resent or whatever I chose because I handled my responsibilities as the sell. They then requested a refund from PayPal. At that time the phone was still in transition and I declined. PayPal sent me an email stating the case was resolved in my favor. I received the phone at a later date. I communicated with the buyer and asked them what would they like to do. They stated they wanted the phone and requested I put it for a lower cost due to customs. I advised them I could resend but they would have to paying the shipping cost to resend. I was unable to get in contact with the buyer on PayPal. On XX/XX/2018 I checked PayPal and see my account is a negative XXXX and I only received {$850.00}. I contacted XXXX for the refund for my listing and PayPal to dispute the amount my account was being deducted and to offer a partial refund to the buyer. PayPal refused to give any credit even after deciding in my favor or only charge me the amount I received. They stated my case was closed and they refused to reopoen. However, I also received an email from them stating I had to XX/XX/2018 to dispute. And now they are refusing to reopen or create a case on XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.

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 2019-12-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-20
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
We have had a car loan with PNC Bank for 7 years. We did XXXX extensions during the life of the loan. During this time period my husband lost part of his pay. We have been playing catch-up for a few years now. With the last payment that we had with PNC, the amount of the XXXX extensions was added in. We were sent a bill of {$2600.00}. We paid the {$640.00} on XXXX XXXX, the payment was due on XXXX XXXX, which left an amount of {$2000.00}, I talked with them because we did not have {$2000.00} to give them. On XXXX XXXX, we received a late notice on the {$2000.00} for the amount of {$200.00}. We were able to pay them {$600.00} on the XXXX. I have called them to ask them why such a large late payment. The answer was that it was late, I asked if there could be a reduction to that late charge but I was told that there was nothing that could be done. I then asked for the payoff as of XXXX XXXX and for them to send me the contract. I know that a profit will be made but {$200.00} on {$2000.00} is robbery. It is my hope that this will start a class action suit against such horrible practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I completed a mortgage with Loan Care Services LLC on XX/XX/2009. I recently needed proof of the paid off mortgage and Loan Care has no record of me, my loan number, or my SSN so I can not get the needed paperwork to complete a transaction worth $ XXXX to me. The original mortgage was for a co-op in XXXX, MA and I should have received a note of completed payment as well as my original stock certificate which Loan Care had. No one at Loan Care will help or give me any guidance on getting my information. My credit report shows the mortgage account paid off and closed by Loan Care but without the appropriate documents I can not receive the remainder of my funds from the sale of the co-op. Please help me. I have tried to hire a lawyer, with no luck.

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 2017-06-22
Company: EQUIFAX, 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:
XXXX   XXXX  used a hard inquiry on my credit report. I do not have a  XXXX  account.   However my name is associated with my mothers account and I changed from  XXXX  to  XXXX  and there is no reason for them to have run a hard inquiry on my credit.   In fact after cancelling the account she had no contract they still took money out of her account for the next month when the service had been discontinued. The service however is under her name and she pays for it. So again there should be no reason  XXXX   XXXX  filed a hard inquiry under my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-19
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I had XXXX  XXXX and I was unable to work. The pain was so severe I had to move out of my apartment. I received a bill from XXXX XXXX XXXX XXXX XXXX XXXX and I disputed it directly with the XXXX. To this date, they never provided a breakdown or made corrections to their bill and forwarded the alleged outstanding balance to a debt collector, ONLINE INFORMATION SERVICES # XXXX, {$670.00} alleged amount owed. I am now trying to buy a home and this account is damaging my credit score. My loan originator and I called the debt collector today, XX/XX/XXXX and informed them that I was buying a home and they were reporting an alleged debt that I disputed already with XXXX. I spoke to XXXX, Account Manager for ONLINE INFORMATION SERVICES. My loan officer informed her that they were affecting the interest rate I would receive by reporting an inaccurate account on my credit report. They refused to delete it even though they could not confirm the veracity of the alleged amount owed because they are a third party and did not provide to me any credit or utilities. This is going to make me pay a higher rate and have to pay more at the closing table for the rate. I don't owe this money and the debt collector has no right to report on my credit report because ONLINE INFORMATION SERVICES is not a creditor. They admitted as much in the call and they also admitted that they can not allege the amount owed because they are not the creditor. I do not owe this money and ONLINE INFORMATION SERVICES is trying to extort money from me by reporting an inaccurate account to the credit bureaus. If they have done this to me, they are doing it to others. XXXX stated that they would respond to a complaint by my attorney, which could take years in litigation. I have already disputed this amount to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Flagstar Bank denied me a loan modification or hardship. I was unemployed for almost 2 years and tried to get loan modification and did n't hear from them and when I did I was always missing documents even though I did send them. No emails, No phones call and especially no help from them to work something out. It seen they just wanted me to get more in the hole so I could lose my house. I file for bankruptcy to tried and save my house and the fell into XXXX do to a work injury. First my Job relocated and that cut my income and then XXXX I should been eligible for a hardship plan never got the opportunity. I was part of the loan modification lawsuit that they had. My mortgage has an equity of over {$100000.00} thats the reason why they want me to loose my house. I 'm ready to make payments now got a job. Since they always gave me the run around I deserve a second chance they have nothing to loose with my equity and they broke the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is in violation of the Fair Consumer Protection Act. I have told them that the person they are looking for is not at my number. I have also told them the number they are calling is a cell phone, and that they may not contact this number. They ignored me and continue to call from different numbers. 

Numbers called fromXXXXXXXXXXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV
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:
In XX/XX/2021 I received an e mail from Citizens One stating that I owed them money for something called XXXX XXXX XXXX I called attorney general office in West Virginia where i live and they told me to disregard it. I have applied for no loan at this company. So every month I would receive e mails and i did not open just deleted. After two months I received another e mail for more money so i checked my credit report to make sure this was not on it. It shows on my credit report and past due amounts. Last e mail i received that i opened says i owe XXXX by XX/XX/XXXX. I called citizens on they are affliated with Citizen Bank in Rhode Island. When i called Citizen One they wanted my social security number and date of birth which i told them if i supposedly had a loan they should have it and did not give it to them. They said they were going to put fraud on account and would send out papers to fill out in next 2 weeks. I contacted all three credit bureaus and put freeze on all three. I called Citizens Bank to check to see if I had loan there since they are together. They said no. This was all done on Friday XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Cavalry Portfolio Service to provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In 2009, I obtained a " Flexequity '' credity line account from Union Bank in the amount of {$160000.00} secured by my residence in present residence in XXXX XXXX, California. The account consists of Draw Period and Repayment Period. Draw period is 120 months and the Repayment Period is 240 months. The variable interest for rate was 1.5 % plus XXXX XXXX index. At that time was 4.75 %. Late last year the account went into the Repayment period. Union Bank adjusted my monthly payment over {$1300.00} for a app. 10 % interest rate .I made many objections and asking to talk to a officer. they have ignored me for months.. Finally the supervisor of their department referred me to talk to a loan officer in XXXX. I made numerous calls and let messages. I also refer the situation to the supervisor who referred me. I was ignored for months again. Then I received the " Notice of Intent to Accelerate '' from last month. 
The secured Property is currently worth over {$600000.00}. When I obtained the Line,  Union was in second position. I paid off the first mortgage last year. They are in first position now. They are in more secured position then before. 











flexequity

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 2019-12-30
Company: Experian Information Solutions Inc.
State: LA
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 ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days past due on XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have been unsuccessful.

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 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days past due on XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have been unsuccessful.

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