BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: IL
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:
This was not sent in error ; I am a consumer under the law, and my information was misused, resulting in some false and not entirely accurate accounts on my credit report. My credit report was used without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: MS
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:
These are unauthorized credit inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I called XXXX XXXX Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by XXXX XXXX Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2020 Received a call from my county Court House stating he was a investigator XXXX from XXXX XXXX County Court ( ( XXXX ) XXXX. I called the court house and clerk was not able to located any case against me nor a investigator XXXX that might of called from there, she didn't understand. He stated he had a affidavit and needs to present a summons before it is presented to court he left a message for me to contact attorney office in New York ( XXXX ) XXXX to resolve and get information. Called a XXXX answered stating he was from XXXX XXXX and that I owed money to Ace Cash Express. Never received any paperwork stating of my debt from the actual company. He told me if I didn't resolve it they would go to my home and employer and I will be prosecuted. I mailed them a Money order for the amount of {$530.00} they wanted more and the settled due to fees and so forth. I mailed it to them because I recalled having a loan out several years ago and maybe thought I didn't take care of the payment. Then I did my calling to Ace Cash Express asking for a receipt that the debt was taken care of and they told me they don't take cases to court for payday loans and the amount I owe is only {$310.00} and they did not receive any payment from me. Till this day they have not received a payment. My account was sent out to several collection agencies I called all of them phone numbers were provided and this office is not one that they work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am disputing a paid collection that is being reported on my credit report by Equifax from a company named XXXX XXXX XXXX. This company has no legal right to report this false information. This account was closed from XXXX XXXX XXXX and returned to the original creditor XXXX XXXX XXXX who has the legal right to do with the account as they see fit. A lot can happen in a little over 4 years including account ownership. 

I have attached a copy of a bank statement, clearly Showing that XXXX XXXX XXXX was never at any time paid anything as well as the method of payment, the dates and amount tender. Also at various times you all have claimed this account had been sold to which there is no proof of such a sale. I have also attached additional bank statements showing that this account is alive an active to this date, yet in your reporting you list it as paid and closed. How is that possible? It clearly shows that both XXXX XXXX XXXX as well as the CRA 's have no idea of the transactions that have transpired to this date, it also shows that on previous disputes you the CRA 's have fail to do a reasonable investigation. 

I am also requesting the method of verification, which is my right under the FCRA section XXXX ( a ) ( XXXX ). 

Also I assume that each of the CRA 's are fully aware of the agreement that was reached with the XXXX of the state of XXXX and XXXX with the state of XXXX falling under the XXXX agreement. 

The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). 

The CRAs shall implement a process designed to effectively remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. Such efforts may include, but are not limited to, sharing best practices for key words and screening procedures designed to identify debt that did not arise from any contract or agreement to pay. 

I am requesting under this agreement that proof be shown that this so called paid collection resulted from a contract or agreement to pay. This information should be readily available since this so called debt was sold as well as reported. 

You can not have a so called paid collection and reported as closed when this very Account is used to this date and in good standing. Your paperwork and so called reporting Do not match up with what are the facts. 

Please remove this false and inaccurate reporting immediately from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Violation of FCRA Violation of FCRA Fair Credit Reporting Act Reporting old debt as New or Re-aged False Statement in Re-aging old debt in reporting to credit report companies Section 623 ( 5 ) ( A ) says : " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' sent letter to consumer with XXXX as letterhead and return address, implying threat of suit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: RMS-Recovery Management Services, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They continue harassing my employer after my employer and myself have told them to stop calling there private cell phone number. I also told them to stop calling my cell phone during my work hours that I would look into the debt which I told them was already paid. I told them I had to get proof from the United States Treasury Department which took it out of my tax return in XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I received a letter stating the information sent to the credit bureaus was correct, but they did not provide me with the documentation to verify the late payments. According to the FCRA as a consumer it is my right to receive supporting documentation if the late payments were in fact verified which has not been provided. Provide me with documentation of these late payments to address provided. I have also provided proof of FCRA violations if a resolutions in not agreed upon.

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 2020-05-28
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX  is reporting I owe XXXX and XXXX from XXXX which I had filed Chapter XXXX Bankruptcy and was discharged XX/XX/XXXX. My ex has never refinanced and removed my name and won't. It looks like I am in dedt XXXX and I only am my own debt XXXX. My credit score has gone down 54 points. This was 10 years ago and all of the sudden it pops back up on my credit report, being reported by XXXX. I worked very hard to rebuild my credit. I was these 2 off my report. I have called XXXX   and email and sent bankruptcy papers and no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously sent two letters to State Employees Credit Union letting them know that I'm a victim of identity theft and this fraudulent account on my credit report needs to be deleted. In their first response letter on XX/XX/XXXX, they told me that it looks like a credit repair company is disputing this item instead of myself so I filed a complaint against them with the CFPB, then in the response letter, they sent me on XX/XX/XXXX of XX/XX/2020 they told me to update my contact information by going to www.ncsecu.org or visit a local State Employees Credit Union branch. This is totally absurd because I am not a member with State Employees Credit Union but they're asking me to log in to my State Employees Credit Union account in order to update my address because they don't have it on file but once again I'm not a member with them so how can I go online and update my information with them if I'm not a member. Then finally in their response letter dated XX/XX/XXXX they told me that they're not going to investigate further because I have not updated my information as they told me on the letter dated XX/XX/XXXX but once again I am not a member of State Employees Credit Union. I sent State Employees Credit Union copies of my police report my FTC identity theft affidavit along with my driver 's license Social Security card a utility bill and the fraudulent driver 's license that I received from officer XXXX XXXX with my name on it but this company still refuse to delete this fraudulent account basically calling my dispute frivolous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.

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 2015-10-06
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have been served to appear in court by Midland Funding LLC with the threat of a judgement. The account was closed in 2012. I am retired and do n't know what to do. The case is scheduled for XX/XX/XXXX in District Court of Maryland. I had attempted to pay the account to XXXX XXXX, but was told the account was sold. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: TN
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:
accounts should be deleted per the company 's request. both XXXX XXXX XXXX  and XXXX accounts listed on my equifax report were requested by the company to be deleted. I have the proof from each of the companies. equifax has not deleted the accounts as of yet. See the attached forms below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from Transunion, XXXX, XXXX that collection from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$140.00}. 
I have sent out a 609 letter which is a debt verification letter to the company and I have received no response in 60 days. Furthermore, the collection is showing as an open account on my credit, this is a direct violation of Fair Credit Reporting Act. 
I am therefore exercising my right under FCPA to XXXX, Transunion and XXXX to delete collection immediately or I will be suing within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02
Company: EQUIFAX, INC.
State: PA
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:
Equifax has on confirmation # XXXX my exchange report was used to generate an XXXX score which was resold by Equifax then Equifax states on page 9 of 24 in which pages are missing 7 of 24 pages and information missing of the so call claim of 1 of 24 pages. page 9 of 24 alerts File block Promotional Purposes but Equifax resold as page 14 of 24 It is clear that Equifax is selling information for Promotional Purposes as XXXX it's been worded I fact to make valid what there doing but on the other hand make money of the consumer. Errors updating correct accounts for 5 months like XXXX XXXX XXXX that Equifax just updated. Paid payment 3 months in advance as attach copy but Equifax just updated after 4 months. It is clear Equifax has error after error and goes months to clear up there errors but your credit score is not adjusted to there error or incorrect information with no base.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
None of the XXXX bureaus were able to provide me with a report. They say the information I entered does n't match what they have on file. However, I know a little more : a while back, I was looking into a car loan with my local bank, and the loan officer who ran my credit check ( who knows my dad ) came back saying that while he could n't approve me, he noticed that my dad 's credit history was mixed in with mine for some reason. We do n't have the same name ; how can I get all three of them to fix this error?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to collect a debt for Bank of America. I do not feel I owe this money. I was in XXXX  and long-term XXXX  during the time these fees were incurred. I gave my mother Power of Attorney to officially to handle my business affairs. She repeatedly tried to close my account at the bank in order to prevent fees from being assessed, but even with the Power of Attorney official paperwork they would no allow her to do so and said it was Bank policy that the owner of the account be present to close the account. This was, however, impossible. They would not even allow me to be on the phone, it had to be in person. I do not feel I should owe monies incurred from fees during this time due to their inability to properly handle the situation. 

I'm asking for intervention to have this debt erased. 

Thank you in advance for your help as we have not found remedy with Bank of America. 

Sincerely yours, 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 2016-01-11
Company: Premier Portfolio Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Keep Getting calls from a " Premier Portfolio Group ''? Saying they have a bad check? I have not had a checking account in 5 years and Never had a returned check when iI did have one! Sometimes it is an XXXX no sometimes a XXXX XXXX Area code, sometimes XXXX Or XXXX! This is obviously a scam and I want it stopped!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Background : XXXX XXXX, 2015 - I consolidated XXXX student loans into XXXX prior to XXXX 2015 I did not have a loan contract with XXXX. 
I am in a housing program called XXXX seeking a housing mortgage. When they pulled my credit I was told I have a collection on my credit report from TransUnion and XXXX. 
Naturally I pulled my credit and my account with XXXX/XXXX student loan is indeed showing up as in collection and late -TransUnion 120 days late, XXXX 180 days delinquent. 
I would like to contest this information incorrect again. My account is not it in collection, not is it 190 days late. 
I have attached : 1. the consolidating lending contract dated XXXX XXXX, 2015, 2. XXXX account summary account XXXX, 3.XXXX disputes sent electronically, 4. XXXX credit report with credit bureau findings. 
I can not apply for a housing loan with derogatory information on the credit report. 
I would like this derogatory information removed from my 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 2020-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 XXXX XXXX charged my USAA credit card for {$5000.00} for a cruise departing from XXXX XXXX on XX/XX/2020. XXXX cancelled the cruise due to the virus. They offered two options for reimbursement and I selected the option giving me 25 % future cruise credit and 100 % refund. They acknowledged my selection via email on XX/XX/2020. My booking number is XXXX. On XX/XX/2020 I called XXXX inquiring about the refund. I talked to a XXXX XXXX and she said within 60 days I will receive my refund. I have called back a number of times and unable to receive any specific information other than they are working on the refunds. Now it is almost 90 days and still waiting for the refund. 
On XX/XX/2020, I wrote a dispute letter to USAA Credit Card Services disputing the charge of {$5000.00}. To date USAA has never contacted me about the dispute. I have called USAA a number of times, including today XX/XX/2020. I am unable to get any answers despite asking for a provisional credit of {$5000.00} to be posted on my account. To date USAA has not credited my account. This is unacceptable customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 monetary relief