BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received numerous phone calls from Portfolio Recovery Associates but never a voicemail with any information. Emailed company for verification and never heard back. Finally received written notification of supposed debt owed but stated that original debtor were two other companies before it was sold to PRA. No detailed information from previous companies, no dates of when account was opened, closed, payment record or credit limits, etc. Very vague. XXXX credit report shows collection from PRA but also does not have any detailed information to determine debt is legit. I do not recognize this account as being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
LexisNexis Risk solutions reporting incorrect information they are stating on my report that on  XXXX   XXXX   XXXX  I was involved in a minor moving violation. All I have to say is show me the proof since they are reporting this.    2.also the y are reporting that on  XXXX   XXXX   XXXX  I was involved in a at fault accident also since they are reporting this there should be a police report again she me the proof. I wanted to point out that in both instances are false statements that are affecting my insurance premiums

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There as a fraudulent charge made on my card on XX/XX/XXXX of {$790.00}. Comenity bank refuses to answer the phones. I have waited on hold for over an hour even after being told to wait to speak to an agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by the credit bureau. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
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:
Contacted XXXX Fraud Management to dispute cell phone account # for amount of XXXX XXXX XXXX XXXX. Company took my info and said it would be marked as fraudulent. checking credit report today XXXX XXXX XXXX and there is a collection opened XXXX XXXX, XXXX ( 4 months ) showing this XXXX account in collection by a collections company XXXX XXXX XXXX. There is no coverage in my area for XXXX cell service. I have been in my home since XXXX XXXX XXXX and I use XXXX and XXXX service for the last 20years. Seems as if the Credit company and the collections company should do a better job at verifying info before posting it to your 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 2022-09-03
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:
I have reached out to equifax, XXXX, and XXXX by letter over 30 days ago and I still have not received a response, according to the FCRA credit reporting agencies have 30 days to respond. 

Equifax, XXXX and XXXX is governed by 15 U.S.C1681.And they have violated my rights numerous of times. I demand the accounts attached to be removed from my account immediately According to 15 U.S.C 1681 I have the right to privacy and I did not give anyone permission to furnish these accounts. 

Please XXXX XXXX XXXX and handle according. If accounts can not be removed. I will filing a complaint with the attorney general and filing for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received 90 Demand letter dated XX/XX/XXXX while in active bankruptcy # XXXX. Contacted BayView Loan Servicing regarding mortgage loan # XXXX status. BayView Loan servicing did confirm status of account and could not explain why i am receiving phone calls and active attempts to collect debt. I sent in a formal dispute but to this date activity continues. 

Next, mortgage transferred from XXXX to Bayview on or about XX/XX/XXXX. There are at least 2 missing  payments and escrows have been overprojected over 1/6 above escrow pad. total Escrow balance they claim i owe is {$4900.00}. 

Finally, i contacted BayView Loan Servicing and was informed that BayView, in fact, does not have an escrow account set up for my mortgage when, in fact, i signed loan paperwork authorizing escrows with XXXX years ago. Until now, i've always had an active escrow account for XXXX XXXX XXXX XXXX, MA XXXX, my primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX and Equifax are reporting unauthorized inquiries on my credit report. I did not give authorization for XXXX XXXX XXXXXXXX, XXXX XXXX or XXXX to gain access/pull my credit report. As a result, inquiries are listed. There are no open accounts listed on my credit report with these creditors and therefore, the inquiries should be removed immediately. This is my second request for Equifax to remove XXXX XXXX and XXXX. I've made several phone calls to attempt to have this matter resolved, but Equifax is still reporting inaccurate information. I am a victim of identity theft ; someone stole my social security number and has been trying to open up fraudulent accounts, which is resulting in unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX is the bank for XXXX XXXX. 
I purchased a table on XXXX for XXXX, i have been making monthly payments, payments have not been applied to my account towards this item, I have made several payments, they are not being credited to my acct, the statement with the due date of XXXX, shows there was only XXXX was deducted from that item. 
The other amount was charged on XXXX, started off at XXXX, only XXXX has been deducted so far. Payments made :XX/XX/XXXX{$30.00}, XXXX? ( {$30.00} XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX Total 2 amounts XXXX + XXXX XXXX - XXXX = XXXX XXXX was on my bill, payment due date XXXX/XXXX/XXXX. By XXXX XXXX, I had paid XXXX. My XXXX bill shows a balance of 800.00. They are not deducting my payments in a timely manner. 
I was unable to get through to a customer service rep. I called at least 5x, XXXX XXXX, I then XXXX the XXXX of XXXX XXXX, I kept being transferred to a number that I was unable to speak to a rep. 
There are 2 different amounts 0 % interest payable in 6 months. I asked that my payments be put towards the table, I paid XXXX on XXXX XXXX. It was not credited. 
They are not subtracting my payments. U asked them to apply my payments towards the bill due by XXXX, they refuse and said they will only apply XXXX, towards the table, therefore I will not benefit from the 0 % inXXXX offered, instead a bait and switch and theft! 
Acct number XXXX XXXX XXXX XXXX My number XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: ACIMA CREDIT, LLC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
i had two accounts with this company. In XXXX i attempted to pay one off i called to make the pay off that was listed online they told me that the amount had changed because they had already started the process to take the next month payment out, and that the process could not be stopped. So i paid the higher amount to get the account paid off. Then in XXXX. I called to set up a automatic payment for XXXX to pay off my second account. i waited all day and there payment never went through so i called them on XX/XX/XXXX and asked them what was going on. they gave me a new amount to pay off. when i explain what had happen they said my bank declined the charge. i spent over 1 hour on the phone talking to 3 different supervisors and none of them were will to help me at all. I offered them to take them money they had started the payment with minus what the quoted me and i would pay the difference and the said no. So i went down to XXXX which is my bank they had no record of declineing any charge and i blocked all charges from this company until they decide to do buisness the right way. i am a XXXX veteran and every dollar counts to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: Caliber Home Loans, 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 XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a registered letter to TD Auto Finance registering a dispute about the account they have listed on all 3 credit monitoring companies. I disputed two things ; first a 30 day late and the second as the account was charged off. I asked for validation bearing my signature showing that I even had a contractual obligation to them. 

I did receive a response from them with some signatures that were copied but could not be verified. That letter did not list my obligation to them as I have never signed an agreement with them for payment for anything. 

On XX/XX/XXXX I sent a second letter, again disputing their reporting to the credit bureaus with the same result. Neither time did they list with the credit reporting bureaus that this was in dispute which is in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: CREDIT ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
I paid my car off on XXXX XXXX, 2017 with Credit Acceptance Corp. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and Credit Acceptance Corp. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me Credit Acceptance Corp is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!

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 2019-11-29
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke with my loan officer XXXX XXXX mls # XXXX after my appraisal came in. I requested that my appraisal be appealed and she sent me the forms to start that process. After I submitted the forms, weeks went by and I haven't heard anything from her. She sent my application up to underwriting without attaching the appeal letters, causing Navy Federal to deny my mortgage application. She informed me that I should apply again and hopefully get someone else to do my application. XXXX was very unprofessional about handling my business and she should be terminated from Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
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:
I have information on my equifax that is reporting incorrectly. I was a victim of identity theft and the equifax credit bureau was notified of the identity theft situation in XXXX and I have provided the police report along with identity theft affidavit from the FTC along with my proper identification and the letter of acknowledgment from one of the creditors that the fraudulent account should not be reported. 
Somehow equifax still is reporting the erroneous information on my credit file which has caused unnecessary hardship. They did not provide me with the method of their investigation and the creditors have verified that equifax never reached out to them. 
Equifax keeps reporting the erroneous information and after 2 years of struggle with trying to have them correct my credit reporting i still have no positive results. 
Even with a creditor providing a letter for the information to be removed, equifax somehow have verified that the information is accurate and would not share the result of their investigation or the written response from the creditor. 
The following accounts are being reported erroneously and should be removed immediately. 

XXXX/XXXX ACCOUNTS 1- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 2- XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 3- XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 4- XXXX XXXX XXXX Account XXXX : XXXX Status : CHARGE-OFF COLLECTION ACCOUNTS 1-XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$180.00} 2- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$50.00} 3- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$240.00} 4- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: KY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 acXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Been trying to get 2 negative child support cases from reflecting from my credit report for years according to the new credit law established XX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )

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 2022-09-03
Company: Aldous & Associates, PLLC
State: RI
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:
Aldous Associates at ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX shows since XXXX XX/XX/XXXX that XXXX XXXX in XXXX XXXX  sent a debt of XXXX from my account. Already called my former fitness club at ( XXXX ) XXXX and verified a XXXX balance upon closing my account in XXXX. Tried calling Aldous Associates but their voicemail was full and their office shows being temporarily closed on Maps app. This fraudulent debt collection agency shows as a high impact derogatory remark on my XXXX report. If you could please have this removed, it would be greatly appreciated. Your help is greatly appreciated. Thanks very much, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation