BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: VA
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:
Hello, I have new information in regards to Equifax to follow federal law. I have sent multiple notices to Equifax making them aware of the many violations they have committed and yet they have continuously put their company policy in place of the FCRA. I never gave them permission to furnish anything on my report yet they say they do not need permission from my. Pursuant to 15 USC 1681b it clearly states that without a written express permission from the consumer it is unlawful to furnish anything on my report. The negative information has caused me to lose my job, lose my car, and doesn't allow me to properly extend my credit for credit cards, apartments, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: BYL Collection Services
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have been contacting the debt collector BYL services for a week trying to pay off a debt. They are mishandling our payments. They asked for card information then said there was a system error. Then they took our bank account information and said it will process in 10 minutes we called 2 hours later then they said well it did n't go through so we need your card information again. This is very frustrating because we are actually trying to pay off debt and move into our apartment but we are depending on this collection company who keeps giving us misleading information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: MARINER FINANCE, LLC
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: Account information incorrect

Complaint:
An account with Mariner Finance shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to Mariner with no response.

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 2021-04-22
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello my na is XXXX XXXX I have a way to go prepaid card for my unemployment benefits and I made a purchase and they blocked my card for no reason at all. I called and was told to send my ID and SSC I explained that my ID was expired and was told to sent my SSC and birth certificate which I sent and they are holding my account hostage. 
This is clearly the way us older XXXX Americans are disenfranchised because we cant keep our ID up to date and the company probably keep my money forever

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent letters to the three big credit bureaus XXXX, XXXX, and TransUnion on XX/XX/2022 about five items in my credit report ( letter attached ) and these are the tracking numbers : XXXX : XXXX XXXX : XXXX TransUnion : XXXX I got my results from XXXX and TransUnion removing some items but failed to meet my request of showing proof of validation on ones they didn't as mentioned in the letter that I sent them. XXXX removed some items but failed to notify me about the verification and did not send me a credit report.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: GA
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 filed a dispute in regards the incorrect item on my credit report. It been well over 30 days and haven't receive any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one. Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 
Account NameXXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX XXXX {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
An account with XXXX XXXX shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to XXXX with no response.

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 2022-06-14
Company: EQUIFAX, INC.
State: FL
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 1XXXX ACCT XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX -- -- -- XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX AND XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} - - - XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX & XXXX XXXX {$190.00} - - - XXXX XXXX & XXXX XXXX XXXX {$7300.00} - - XXXX XXXX XXXX XXXX {$780.00} - - - XXXX  XXXX XXXX XXXX {$850.00} XXXX XXXXXXXX {$260.00} 15USC 1681 SECTION 602 A. States I have the right to privacy 15USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
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: Account information incorrect

Complaint:
An account with XXXX XXXX shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
An account with XXXX XXXX shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to XXXX with no response.

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 2017-07-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account Resolution Services, which I hold no contract nor have I recievedservices reported a collection account against my social security number XXXX XXXX XXXX in the amount of {$690.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failedt to provide adequate proof. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2022-01-27
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To Whomever This May Concern, I was informed on XX/XX/XXXX by XXXX XXXX that someone tried to open a bank account in my name. The application was thankfully denied and said account closed on XX/XX/XXXX ( a few weeks later ). Not long afterwards on XX/XX/XXXX, I received mail from XXXX saying that someone tried to open a credit card account in my name. When I called both XXXX XXXX and XXXX, they said that these fraudulent attempts were by people in South Carolina. When I got my XXXX credit report, I got a notice saying that an unknown Texas phone number of ( XXXX ) XXXX tried to get an inquiry analysis on XX/XX/XXXX. I also saw an account review inquiry made in my name dating back to XX/XX/XXXX. Most suspicious of all is what I saw on my XXXX credit report. The debt collecting agency LVNV Funding ( also known as Resurgent Capital Services ) made the claim that I owe them {$120.00} on an unpaid XXXX  Internet bill. The last report of this was made on XX/XX/XXXX, coincidentally just a few days before I received the alert from XXXX. 

A quick XXXX search showed that LVNV is from XXXX, South Carolina, which gives me the reason to believe they are the ones responsible. Scammers from the southern US claiming to be debt collectors have harassed me about this for some time now, and not once have I leaked any personal information to them. Something tells me they have finally gotten a hold of my info somehow and have tried using it for their own use. I am deeply concerned about this and would like to know what I should do next. Thankfully no money was stolen from me, but I am very worried about my credit information being out in the wild, as well as potentially other information ( like my Social Security Number ). I have since gotten XXXX to put a freeze on my credit, and am in the process of getting credit freezes from XXXX and XXXX. 

If there are any further steps that need to be taken please let me know. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: OH
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  account XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602A.States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to this company on XX/XX/XXXX from XXXX. I reached out to PHH Mortgage to inquire about not receiving any statements and to get my loan number so I can began making payments online. I receive a letter on XX/XX/XXXX advising me my loan was over into a forbearance program. I never inquired or agreed to place my loan into a forbearance program. I received a notification from the credit agency advising me that a note was placed on my account facing financial difficulties this is inaccurate and falsifying records. I never requested an forbearance on my home loan. I contacted the manager at PHH Mortgage Services on XX/XX/XXXX and he advised that on Monday XX/XX/XXXX I will be able to begin making payments and that the remark will be removed from the credit report.. On Tuesday, I tried to make a payment again and the system is stating my loan is in forbearance and I am unable to make a payment at this time. I have tried reaching out to this company several times and someone keep hanging up in my face and will not transfer me to an account manager. I am devastated that I will lose my home. This company is giving me the run around regarding making payments for my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Worldwide Processing Group, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past three days I have been receiving recorded " trace location '' messages from " FMR. '' I have  XXXX  the company and it is associated with a phishing scam based on fake payday loans. I have checked my report at all  XXXX  credit bureaus and there is no collection against me from FMR, and not even any fraudulent payday loan on my record. This company has even called my mother looking for me.The calls started at about the time that my credit union notified me that my debit card would be reissued because of a security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions 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:
XX/XX/2022 To Experian : I have been requested to upload proof of Identification for you remove the Fraud Alert under my Credit Profile. 
Since your POS uploading service via your garbage website does not work, I will send in a complaint to get it done! 



Personal statement ( XXXX ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Is requested to be removed and deleted immediately! 

Thank you, -David

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 2022-06-14
Company: EQUIFAX, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. Startes 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 instutions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank XXXX XXXX XXXX XXXX XXXX Michigan XXXX took over our FHA Loan. We were sent a 30 day notice that our mortgage increased to about {$700.00} above what we had been paying since our purchase in 2015.

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 2017-07-21
Company: AFNI INC.
State: CO
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:
On XX/XX/XXXX I suspended my XXXX XXXX account due to an overseas tour in XXXX XXXX ( Military ). Which I have orders to prove tour.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by XXXX digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we are trying for a couple of months now to get PHH Mortgage to pay our outstanding taxes, from out escrow account, due to their poor communication, its still not resolved, today we found critical information that can help but no response from them. 

XXXX We did our research with " XXXX  '' it turns out that " PHH Mortgage '' did provide wrong property address to XXXX for Tax records assistance, The address where your below tax payments was going to " XXXX XXXX XXXX  XXXX XXXX, NY XXXX '', instead to my property address is " XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX '', XXXX We will file a complaint TODAY with the CFPB for this error

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: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I pulled a detailed report of my credit recently and found several fraudulent accounts including credit cards, auto and student loans. I have disputed the items with the three credit bureaus as of XX/XX/2019. Some of the items stopped reporting on my credit but there are still quite a few that are and shouldn't be. Student loans totaling almost {$24000.00} from a XXXX XXXX XXXX. {$52000.00} in auto loans in default. These accounts have been disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There is inaccurate information on my credit report that needs to be removed. Have sent out letters to credit bureau have sent several letters with no response or removing inaccurate infromation.

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 2016-02-27
Company: Financial Business and Consumer Solutions.
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 is not mine

Complaint:
On XXXX XXXX, 2014 I called XXXX XXXX to have my service disconnected. I also received instructions on how and where to return their equipment. Over the next couple of months I continued to receive bills for service and their equipment. I called XXXX a couple of times to rectify the situation, but received basically no assistance from the reps to correct the problem. After a while I stopped receiving bills from XXXX and I assumed the matter was resolved. 

This month I received a letter from FBCS Inc., which I have learned is a third party collection agency. I have responded to this company disputing the validity of this debt. 

Also l have learned that this appears on my XXXX credit report as an open account and owing XXXX XXXX {$410.00}. The so called open debt is affecting my credit score. 

I am at a loss to understand how XXXX XXXX can arbitrarily attempt to ruin one 's credit rating because one of their customers decides that they no longer want to use their services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation