BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
First I never received a notice of rights to dispute. The only letter I received said that I owed a debt and I could no longer write checks at all and had to pay this debt plus a fee. The address they had was incorrect and not where I live and I have not lived at the address in over 4 years. In order to be able to write checks, I sent in a post dated check to this company. I post dated the check to reflect XX/XX/XXXX. The company cashed this check XX/XX/XXXX. Due to this I received about {$200.00} in over draft fee 's because of them posting a post dated check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt has been paid and the company continues to report a balance on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by me.

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 2016-02-02
Company: W.J. BRADLEY MORTGAGE CAPITAL
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan from WJ Bradley Mortgage XXXX ( WJB ) was service transferred to XXXX in XXXX. I had already paid my XXXX mortgage payment to WJB in late XXXX the amount of {$4000.00} with check # XXXX ; they received it and credited our account on XXXX/XXXX/2015. Unfortunately, because the service transfer was set up prior to my first mortgage payment, but the actual service transfer occurred after my first payment, the loan amount at XXXX does not reflect the correct principal on my loan. 
I keep calling XXXX and the phone center personnel either disconnect me, do n't call me back or ca n't help me. I have written a letter documenting the problem to them. I will attach it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Porania, LLC
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX  XXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have this company reporting false and wrong information on my XXXX XXXX and XXXX  credit report. Enhanced Recovery Company its an account that is fraud that they are reporting under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Bayside Capital Services, LLC
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The collection company involved, Bayside Capital Services, while we were visiting my Aunt and Uncle in XXXX, somehow found out we were down there and somehow obtained my Aunt and Uncles phone number. They began calling them wanting to talk to my wife, and threatening that if my Aunt and Uncle did n't put us in contact with them immediately that they would receive a visit from an unspecified person, an assertion that greatly upset my Aunt. 

We live in XXXX, XXXX miles from my Aunt and Uncles house, and we had no contact with them while we were down there. How they found out we were down there and obtained my Aunt and Uncles number is very concerning. 

When we got home, they called and spoke to my wife, the first communication we have had with them, they immediately demanded that we make a payment to them or we would receive a visit from an unspecified person, my wife was scared by what they were telling her and she consented to making a payment. 

I sent them an email, explaining how upset I was and telling them that I was aware of the requirements of the Fair Debt Collection Practices Act as far as what they are allowed to do to communicate with us, and also what they are required to do, including furnishing us with the relevant documentation and allowing us the requisite time to dispute the debt. 

The next morning, they deposited the money they had coerced my wife into allowing them to deduct, back into our joint account. They then called and addressed some of my concerns that I addressed in my email, we missed the call, they left a voicemail. 

I called them back and they immediately began attempting to try to get me to just go along with their ridiculous, illegal tactics, I did not. 

I explained how upset I was about what they told my Aunt when they spoke to her and the individual I was speaking said that I had no proof that they had said those things to her, intimating that my Aunt is lying ... which greatly upset me. 

I told them I was going to pursue legal action against them and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Good morning, this is my second complaint, the first complaint was XXXX. The resolution on the first complaint was that transunion would reinvestigate with the support information I provided CFPB and that they will get back to me. For the last 10 days I monitored this status on Transunion site which showed, they had in fact started to investigation. On the morning of XX/XX/2021, the reinvestigation no longer appeared. I started it again on my own on their system. I called transunion to ask why they had not follow through with the investigation ( I check site everyday ), and the first representative hung up when she said she had no record of investigation in system. The called back and spoke to another representative who stated the same result. I am a little frustrated that they gave the CFPB a response to reinvestigate, and in good faith, they have not done this. It is as if they gave the CFPB the response to close first complaint. They have failed to fulfill their obligation of complaint XXXX and continue to violate FCRA requirements.

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 2015-07-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have had several small personal loans by an agency Springleaf which was held by a company in XXXX AL ... I had one renewed and I noticed that everytime I made a payment nothing was being deducted from principal. So when I investigated the previous loans they were the same. So I believe I had been trapped in a predator loan which would never have been repaid back. I am a XXXX and not been well and recovering from a bad case of XXXX. During this time period I suspended payments and I started get calls from several different phone numbers demanding payment in full and threatening jailtime and other very undignified calls. A couple months ago I received a letter stating the company had been sold out and a new loan had been reissued from a Springleaf company at XXXX XXXX XXXX IN XXXX. I keep getting many threatening phone calls all hours of the day and night. Something is seriously wrong with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: MN
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 sent letters to the U.S. Department of Justice, U.S. Senate, U.S. House of Representatives, Federal Trade Commission, and Consumer Financial Protection Bureau, requesting an investigation into the following fraudulent and unauthorized credit inquiries thats constantly listed on my Equifax, XXXX  and XXXX XXXX credit report : XXXX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX/XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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: Information belongs to someone else

Complaint:
H

ello, I want to explain you the situation happened with me. I have account in credit report that is not mine. My report was brilliant until the day when bureaus, because of their poor reporting, put this account into my profile. This account is incorrect and not mine. So I ask you to take appropriate actions and apply investigation because it seems like Identity theft case. So I ask you to remove this item as soon as possible.
Account number is below : 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 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my credit report from XXXX XXXX and Trans Union and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and Trans Union regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.

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 2021-08-07
Company: Experian Information Solutions Inc.
State: MN
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 sent letters to the U.S. Department of Justice, U.S. Senate, U.S. House of Representatives, Federal Trade Commission, and Consumer Financial Protection Bureau, requesting an investigation into the following fraudulent and unauthorized credit inquiries thats constantly listed on my XXXX, Experian and XXXX XXXX credit report : XXXX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX/XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2021-08-06
Company: Capio Partners, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went to check my XXXX XXXX statement and it said that I had an account out of Texas for a Capios LLC I am not familiar with that. I do not live in Texas I live in New York someone got my information from me for a job interview over the phone and I tried to report it then and for some reason it still went through even after I made a report of identity ThEft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent Transunion a identity theft report and they said they could not accept it without a police report. So I sent them a new identity theft report with a police report, with the items that were not mines and the inquiries that were not mines. This has been a long frustrating process, I have done everything they have asked of me, without getting the results that I am supposed to get. Please help me get this situation resolved. 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 2021-08-07
Company: EQUIFAX, INC.
State: MN
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 public record and credit inquiries isnt my public record or credit inquiries : Bankruptcy Chapter XXXX-Discharged, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a car loan that appeared on my credit to be open with a balance of {$13000.00} still owed. i filled a complaint with all three credit bureaus to dispute this as the car loan with XXXX XXXX XXXX has been paid and settle since XXXX of 2012. I had a settlement with the car loan company to have XXXX ( a car dealership ) buy the dodge calibur for {$10000.00}. XXXX XXXX XXXX agreed to accept the {$10000.00} for the loan. I have a settlement agreement offer.It would show the loan was paid/settled. I was in good standing and was n't reported as late to the credit bureaus. When i noticed the car loan was still showing it was a current open loan for a reamining {$13000.00} i disputed it with the credit bureaus. I have heard back from everyone and XXXX and XXXX have it update to be true and correct. Transunion has now changed the account to be derogatory, with {$3500.00} in late payments and not paid. I contacted transunion to talk about their findings. I advised them i sent them proof of the settlement and that nothing is owed and that the account was never derogatory. The account should say paid/settled as the other credit companies have reported. They did verify that they received my proof and have it on file however the car loan company gave them different information and they have to go by what the car loan company has given them. I do n't understand how they can report solely on what someone says while the consumer has proof of the settlement. This discrepancy has cause my credit with them to plummet XXXX points since their false update. I have attached what experian concluded from their investigation which was true and correct and attached what TRANSUNION HAS FALSELY REPORTED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: U.S. BANCORP
State: UT
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:
US Bank is reporting late notations for XXXX on a credit account and XX/XX/18, XX/XX/18, XXXX on my mortgage account. I went through some pretty serious hardships and paid as soon as I could. I ask that US Bank please make a one time goodwill adjustment and remove the late notations on my credit file. This would help a ton and I have been a very long time customer and love banking with US Bank and ask they make a one time exception and remove the lates.

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 2021-08-06
Company: KEYCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Deposit XXXX, and XXXX, online banking, realized it was a fake check. I transferred money to the person who scammed me XXXX, try to cancel the transaction that I sent, and the deposit, but KeyBank said they couldn't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2015-08-28
Company: Delbert Services
State: VA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I just received a call from XXXX XXXX starting I owe an outstanding balance of {$1400.00} from a payday taken from western sky back XX/XX/XXXX, I advised them I have been making payments to Delbert Services for a settlement that was agreed upon in regards to this loan. They told me the loan id is not the same and it XXXX be a different loan. XX/XX/XXXX I was advised this loan was sold to XXXX XXXX ID XXXX from Western Sky and I made two payments on XX/XX/XXXX cash call sent this to Delbert Services ID XXXX and they have been debiting my account for almost a year to satisfy a settlement reach with employer XXXX XXXX. Now XXXX XXXX also known as XXXX XXXX XXXX is trying to collect. Both Western Sky and Delbert services is gone out of business and I can not contact them due to legal issues and the supervisor at XXXX tells me they sold the loan to XXXX and I advised them apparently the wrong acct number was sold and they trying to collect on an incorrect balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Derogative credit report but I never received or been called for collection service. Plus I paid thinking it will be removed but still here

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have not received a final response, however I challenged with all XXXX bureaus a falsely identified item ( listed as a judgment entry which was later appealed and removed ) XXXX of the XXXX bureaus successfully removed the judgment from my credit file. However, I have had to file another investigation with transunion in which I argued that they did not investigate anything because if they did they would have removed the error like the other XXXX agencies did. I shortly thereafter received a letter that they would not be investigating any complaints on my account because they believed they were n't coming from me. I called and verified that they were coming from me and they need to work on the issues I am presenting while trying to clean up my credit report. 

To this date, the item has not been removed, it was originally to have been investigated more than 60 days ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation