BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Systems Inc., calls on debts they never owned and do not exist. My credit report is clean, I owe nothing to anyone. They keep calling pretty much daily ; from a different number each time. It is beyond annoying! It is XXXX ( now XXXX ) that sells phone numbers to companies. ( not part of this issue, but the way this company gets peoples info. They never called until I got a XXXX phone number, not a coincidence! )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have not be verified or removed even after dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: TX
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:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX   XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute ftc violation sent to everybody

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo

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 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I never opened nor have done any business with Nieman Marcus. 

They are reporting me late to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had a terrible health issue and outstanding medical bills. We had to file bankruptcy still working with Wells Fargo mortgage They were included thru the process. Then XXXX  Wells Fargo breach the contract. First they was paying our property taxes without no notice and we sign a waiver that we would pay our. Self. Then a few months later we called about XX/XX/2012 around that time was told u dont pay this month. You can skip this month payment of course we did they took us to XXXX. They would not stop just send our check back no credit no accept any money the foreclosure fees they just would not work with our lawyers or anyone until they forced us into modified XXXX yrs. Unjust false claims alter records fraudulent was very real in them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
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: Personal information incorrect

Complaint:
I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There are 2 names and 5 addresses that are inaccurate. On XX/XX/20, I mailed a letter to Equifax asking to please make these changes. They did not respond and also did not make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My address history is incorrect. My home address is listed as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. and XXXX XXXX XXXX is the same exact house. About 20 years ago when XXXX was set up in my county, XXXX County XXXX, the US Postal Service changed the house numbers, changing XXXX to XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX XXXX XXXX. My mother-in-law, XXXX XXXX ( deceased ), lived at XXXX XXXX XXXX, XXXX XXXX XXXX for about 20 years until sometime XX/XX/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 2020-01-05
Company: LEXISNEXIS
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi, There is a lot of old addresses on my credit report. I would like them removed because I am looking to buy a house in the near future. Because of identity theft and other things, I want the old addresses gone and i don't want someone claiming to be me at the old address. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are unverified accounts on my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Southern Management Systems Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently discovered on my credit report accounts that I did not recognize, so I contacted Southern Management Systems and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted XXXX and XXXX to let them know that I have asked Southern Management Systems to validate the debt as mine. Southern Management Systems received my validation request on XX/XX/2020, and XXXX and XX/XX/XXXX received my notice that a request to Southern Systems Management was sent on XX/XX/XXXX. I see that both my XX/XX/XXXX and XX/XX/XXXX reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that XXXX and XXXX enforce the FCRA and stopped any reporting of invalidated debts if Southern Management Systems failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Allied International Credit Corp., (US)
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Allied International Credit Corp I  received a letter on   XXXX   XXXX   stating that I owe a debt to  XXXX . The current amount due is stated at {$240.00}.   It says to   XXXX   XXXX   the money, or send them a money order. They provided a reference number and also a representatives name that is handling my case. However when I called it was not the female listed on the page. It was a foreign gentlemen who insisted that this was a legitimate company and that I have to pay them the money. I asked if they can even prove if this was my debt. First of all, it was sent to my house and address but the name was not my name it was my fiance 's name. Secondly they asked for my social security number which I did not give for obvious reasons. Third, the man threatened that my fi ances credit score would be affected by this. Fourth, I do not know of any  XXXX  debt He r or myself owe, as she ha s one   account with 1 feedbac k for an item that she purchased last year. Obviously there is no w ay one purchase of a  {$8.00} gift is somehow being mistaken for some {$240.00} debt. She paid for that gift with   XXXX   and everything went fine with positive feedback on both ends. She is worried and wants to pay the debt because of there threat that it will hurt  her credit score ( we are  applying for apartments and in the future will probably need a car loan ) I am however extremely skeptical as I believe a debt this large should come along with more than a letter just stating this amount is owed and pay them within 30 days. Should n't there be correspondence proving the debt is true? Should n't there be an attachment stating from the original company that in fact we do owe this amount for this reason and so on ...   I have no idea what to do, and I am also worried if this is legit if they will somehow be able to hurt he r credit score o r mine. I do n't know how they could but the threats that were made were pretty convincing. However my attempts for more details about what this was and proof that it was actual ly one of our d ebts were dodged and the person on the phone kept saying that I need to pay it within 30 days to avoid credit problems..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Well I have recently been looking into credit score and I have a few things on my score that need to be removed if possible. The three things are a phone bill for XXXX XXXX XXXX, one with XXXX, and one with XXXX. These places are all in XXXX, in and I have never dealt with any of these

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX reported me late when I was n't. I have the proof. Credit bureau wo n't open up a dispute so by law remove the account or update it.

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 2016-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Portfolio Associates filed a lawsuit in the XXXX County Court of Common Pleas XX/XX/XXXX. The attorney representing Portfolio was XXXX XXXX whose offices are in XXXX South Carolina. They filed a complaint and summons on XXXX/XXXX/XXXX. I filed a timely answer on XXXX/XXXX/XXXX in which I disputed the validation of the debt. On XXXX/XXXX/XXXX Portfolio filed a motion for summary judgment without providing any proof of the Debt, the age of the Debt, the amount of the Debt, the interest rate, and other material information about the Debt. On XXXX/XXXX/XXXX Portfolio Recovery Associates filed another motion for Default judgment and the motion was granted. 

I contacted Portfolio 's attorney who filed the original motion back XX/XX/XXXX. XXXX XXXX offices informed me my file had been transferred back to Portfolio Recovery and I would need to contact them directly. 

I 've attempted on multiple occasions to contact Portfolio about the status of this judgment without success. Each time I am transferred from what they call the litigation department to collections. 

Based on the XXXX XXXX findings of the CFPB this judgment was obtained under fraudulent means. Based on the consent order, this judgment should be vacated and all collection efforts should be ceased, however Portfolio continues refuses to speak with me directly about this matter. 

Judgment # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: DISCOVER BANK
State: UT
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: Problem with personal statement of dispute

Complaint:
In early XXXX I received a call to serve as a XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 2 years in the interior of XXXX XXXX XXXX. Because of the unique requirements and difficulties of missionary service, I knew that I would not have access to a computer, or the internet. At that time I decided to close my Discover Credit Card Account, knowing that I would not need it, and that I would not be able to see or access statements, or in anyway communicate with Discover.  I then called Discover, and informed them that I wanted to close my account for the reasons stated above. The customer service agent responded by encouraging me to freeze my account, instead of closing it, to avoid damage to my credit and giving me the option of unfreezing my card when I returned to the United States. I asked the Customer Service representative twice if my card could be charged in anyway, and he affirmed that having the card frozen would be essentially the same as having the card cancelled. I then decided to freeze my card because of the promise given to me by Discover before I started missionary service in XXXX of XXXX. 

In late XXXX my father, out of an abundance of caution accessed my credit card account with information that I had provided him to check on my credit card accounts. He found that discover had posted charged to my card well after the card had been frozen. We contacted Discover,  found that they were residual charges that had been posted months after I had no more access to a computer, and resolved the issue. In Early XXXX I became aware of credit card charges that had again been posted to my frozen card by seeing that they had significantly impacting my credit score, causing it to drop by around 100 points. We again contacted Discover to explain that these were not charges that I had agreed too, ( they probably resulted from some XXXX subscription activated by accident by my younger brother while I was in XXXX ) that my card had been frozen under the idea that this couldn't happen, and that my credit score had been damaged. 

Discover recommended that we enter into a dispute against the charges, saying that was the only way we could have them removed. We tried that, explained what had happened, but received no resolution. I had too instead pay the charges, and live with the damage to my credit score. The charges were small amounts, less that {$30.00}, and I was happy to pay them, even if they were only charged because of a predatory subscription system without my consent and because of bad information given to me by Discover employees, but I do wish the damage done to my credit score to be resolved, as this issue is still negatively effecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed inquiries on XX/XX/2019. They did not respond in 30 days and did not update or remove the information. Also did not verify how this information was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
Collection Agency : Portfolio Recovery Associates Original Creditors : 1. XXXX 2. XXXX XXXXXXXX 3.  XXXX XXXX ( aka XXXX Bank ) Portfolio Recovery Associates ( PRA ) has purchased ( 3 ) of my time-barred debt accounts, which are listed above. They are being reported to the major credit reporting bureaus as newly opened accounts, which is inaccurate and misleading at best. Additionally, they are being reported with inaccurate amounts and last payment information, for which I have emails to prove from the original creditors. 

Further to my concerns are that I've received threatening phone calls and robocalls. 

My concerns with each are as follows : 1. XXXX ( ending XXXX ) : This account is being reported as being opened in XX/XX/XXXX, and with a collection amount of {$840.00}. However, this account was closed on XX/XX/XXXX, and the last payment was on XX/XX/XXXX, and the balance at the time it was closed was {$480.00}. Where did the extra {$300.00} come from? The original creditor shows a closing balance of {$480.00}. I notice they no longer show the account on their website, but they are still reporting it to the credit reporting bureaus. 

2. XXXX XXXXXXXX XXXX  XXXX ( ending XXXX ) : This account is being reported as being opened recently as well, with a collection amount of {$1700.00} and the last payment in XX/XX/XXXX. However, this account was closed on XX/XX/XXXX and the last payment was on XX/XX/XXXX. Again, this was confirmed by my original creditor and I have emails that prove this as well. 

3. XXXX Bank ( ending XXXX ) : This account is being reported as a new original creditor account in the amount of {$1400.00}, but was was sold in XXXX and has been closed for almost ( 7 ) years. 

Lastly and what alarms me the most, there was a time-barred XXXX account ( XXXX ) in the amount of {$1100.00}, that they sued and garnished me for, which I paid in full before I understood and did any research on what time-barred actually meant. I am certain that they employ misleading and deceiving collection tactics, because they have shown me on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 send this agency and the three bureaus a certified letter stating the fair reporting act, and 15us code and asked them to remove all inaccurate... old items, fraudulent hard inquiries dating back to XX/XX/2021 ... .credit card that are closed that are still reporting..they still will not remove these items. They were to remove ALL old addresses..jobs..phone numbers etc... they still refuse!

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 2017-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a credit card account from XXXX from 10 years ago or longer. Portfolio Recovery Associates, is somehow renewing the timeline to an earlier date from XX/XX/2012. From a debt long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My checking account was locked without notice, nor explanation, over a month ago. It has caused all of my normal bill payments to be rejected without reason. I have called the bank multiple times and waited on hold with numerous representatives for many hours over the course of weeks, never to be offered resolution. Nobody has any idea why my account is locked, and the employee in charge of my account is never available in office to speak with me, nor have they ever once called me. I demand access to and transfer of my approximate {$25000.00} in funds in this checking account to myself immediately. This money was deposited into this checking account via ACH from one of my other bank accounts in my name over 4 months ago. There is absolutely no reason these funds should be held for this long.

Company response to consumer: Closed with explanation