BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft for over five years. I have filed multiple complaints and disputes with Equifax XXXX and the Federal Trade Commission. On numerous occasions, Equifax XXXX has blocked and/or froze my file, which hindered me from getting a copy of credit bureau reports and the deletion of erroneous information. My consumer credit rights, have been continually violated and disputes have been ignored. I have sent in countless copies of my drivers license and social security card, yet the erouneous information remains. 

I currently have the following listed on my reports : XXXX XXXX XXXX Collection accounts that were not opened by me ( XXXX XXXX Credit inquires that I did not authorize. 
( XXXX XXXX Addresses in multiple states that do not belong to me. 
( XXXX XXXX Social Security card numbers XXXX XXXX XXXX Date of births including years XXXX XXXX XXXX Employers, XXXX of which I have never worked for. 

I am requesting that my credit bureau reports be accurately adjusted to reflect the truth!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
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 am trying to secure a home loan at   XXXX   XXXX   XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself.  One of  the organizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization  MUFG Union Bank  has been highly uncoorperative. They have been contacted over 6 times since  X/X/17    when the report was run. I can not speak to anyone higher in the corporation than a  floor manager,  who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   XXXX    ,  two more time s with dates I did not document.On  X/XX/17    I spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On  X/XX/17    I spoke to   XXXX   who opened a case, took down my information and told me someone will call me.  Noone calle d. On  X/XX/17    I spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a  30, 60  day late charge and reported to  XXXX ,  XXXX ,   XXXX   lowering  my credit score. I was also informed that they are going to charge me a 90 day late  charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.  Union Bank wi ll not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  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 2017-05-16
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I canceled my account on   XXXX   XXXX   for both phones.  XXXX  attempted to tell me months later that it is their " policy '' to refuse to cancel customers accounts on the dates their customers actually cancel but whichever date  XXXX  specifies. Additionally,  XXXX  attempted to tell me I had a contract. I did not. I had a leased phone. I only owed  XXXX  more nominal payment, which I made.     When I started service with  XXXX , I was billed for 2 months in advance. I paid that incredibly expensive bill. I still have a copy of that bill. I offered to provide  XXXX  with a copy of that bill. When I canceled service, I was never refunded for the prepayments of services that I pay on a monthly basis ; as it is "  XXXX  's policy to bill at least  XXXX  month in advance. '' However,  XXXX  was billing me for an additional 3 months in advance. When I disputed the bill, they sent me to collections.     I have had to hire an attorney to dispute the bill. Not only has  XXXX  sent me to IC Systems for collections. I have only received  XXXX  notice from I C Systems. I c alled IC  Systems and in formed them that this was in litigation. They still posted this to my credit report against the FCRA. According to FCRA, punitive damages are also in order. This is illegal.

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 2021-12-30
Company: Exeter Finance Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
the message is for exeter finance. i was the victim of fraud and id theft and i called the company about this so that they were aware. i explained to them that i want the account closed due to this. they refuse to do so, and i will be getting the NC DOJ involved sooner or later. i sent them a copy of the ftc id theft report and a copy of the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EQUIFAX continues to accept inaccurate information from XXXX which results in re-aging of the account keeping it on my Credit Reports since 2006. I have disputed it with them over 12 times and even though they acknowledge my facts nothing ever happens. EQUIFAX shows the item has been on my Report 93 months well over the 7 years allowed by the Fair Credit Reporting Act. XXXX is guilty of Fraud. XXXX & XXXX XXXX have removed XXXX from my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
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 sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was denied credit in   XXXX   XXXX     because of a collection account being reported on my credit report. I sent letters to all  XXXX  credit reporting agencies and explained that this account from SYNCB/Amazon did not belong to me.  XXXX  and   XXXX    immediately removed the account from my credit report. I found out when I was denied credit in   XXXX   XXXX    , that   XXXX   did not remove this error from my report. I filled out  XXXX  's online form notifying them this error was still in my credit report and then I called and was told that the creditor reporting this inaccurate information did not provide any type of documentation or verification that this account belonged to me and the creditor only had to state that I was mine without any proof whatsoever. I then called SYNCB/Amazon and after being on hold fo r 30 minu tes was told they could n't find me in their system. I explained that was because I did not nor have I ever had an account with SYNCB/Amazon. She then hung up on me. I called again, explained that this is not my account and was being reported on my credit report in error and again, they hung up on 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 2016-02-15
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i had a major issue a few months back had to get you involved still took MONTHS to fix. That was with my escrows cashing my checks and not appplying to my account. Did anyone care were was my $ $ $ for months I have XXXX complaints the FIRST is I never received my interest statement from the the mortgage co to be able to file my income tax today is XX/XX/XXXX? I have talked to a feothw other people who have not gotten their 's either. Coldwell Banker mortgage is the holder. Also since the problem I had last year I have mailed my mortgage payment to the same address for 16 years XXXX to XXXX servicingaddress. NOW all of a sudden they have my payments for days and do not post my payments till till days later and charging me late fees. I feel my account is flagged because of my complaints to you regarding there incompetence because prior to that never a issue Then they start calling me to collect a debt!! WHAT options do I have to refinance to get rid of them will cost me thousands to not lower the monthly payment by much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX / XXXX /  XXXX   I contacte d Portfolio Recovery Service  concerning a debt. I requested certain information concerning this account but  XXXX   XXXX   XXXX  reused to answer them. Furthermore, she would not answer the key question as of when was the account that is not mine being reported to the credit bureaus. I told her that I have rights and that by refusing to answer she was violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: PHH Mortgage Services Corporation
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
This mortgage is the second on the property. Due to hardship we are going through a DIL on the property. Process started in XXXX. By XXXX the primary mortgage had approved the DIL but needed the second to be cleared. We had contacted the second mortgage communicating out intentions and filled out the requested paperwork in XXXX and early XXXX. The first mortgage made a settlement offer. I was given verbal confirmation that the settlement was approved near the end of XXXX. An acceptance letter was sent in XXXX. The letter was not the appropriate letter for the situation. It stated that they would take possession of the property, not release the lien, among other things. After much discussion between myself and the two mortgage companies, an appropriate letter was produced. We signed it and notarized it. The first mortgage sent a settlement check near the end of XXXX. The check was " lost '' ( it did eventually turn up 8 weeks or more later ). The first mortgage had to cancel the check and send another. This check was received XXXX XXXX and put into a suspense account. I was told the request for a release was filed around XXXX XXXX and would be completed within 30 days. The first week of XXXX it had not been completed. It had been shuffled through departments and " misplaced ''. I was told that it would be processed as soon as possible. It was sent in for recording on XXXX XXXX. The county returned it because they did not include recording fees. Initially, they were waiting for the returned documents to show up ( which to my knowledge has not happened yet ). After much insistence I was told that a new set of documents were being drafted and sent in. It is XXXX XXXX and this has not happened yet. 
Main complaints : Every step has taken to the last moment or longer to complete. 
Settlement acceptance letter was incorrect - should be standard. 
Emails and phone calls were rarely if ever returned in the " 24-48 hours '' All mailed documents/check lost I have had to follow up with every step to get anything done Recorded documents sent without payment. 
This should be a standard occurrence and every step has had issues. It feels deliberate or incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
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:
THE CREDIT REPORTING AGENCY   XXXX  ,  XXXX   XXXX  AND EQUIFAX WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: COAST PROFESSIONAL INC
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Sent in documents they asked for. Was setting up a payment plan. Then got a letter from my employer that they are garnishing my check. After they already took my taxes. Had gave my bank information for payment plan . 2 pay ments were already taking out : called had everything set up. Then my check was garnished. Called again to see what was going on. And just kept getting transferred or hungup on. Told me I need to fax thema letter say i give them permission to call me. Then I need to fax them a paper saying I give them permission to fax me. Keeps me on hold for longer the n 45min.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: National Credit Adjusters, LLC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have sent several letters and hired credit repair company they say i owe {$420.00} however this was a secured card and i gave them a security deposit of {$300.00} so the balance owed should only be {$420.00} they never applied the {$300.00} security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
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:
On as many as  XXXX  occasions over the past year and as recently as   XXXX   XXXX   XXXX    , I have submitted disputes with TransUnion regarding an illegal tradeline on my credit report. The illegal creditor in question is  XXXX   XXXX . I have provided evidence that this lender is not legally licensed to offer loan products, nor collect in the state of Florida and this tradeline is therefore illegal and unenforceable under FL Statut e 516 of the Consumer Finance Act . In   XXXX   XXXX     following the closing of my dispute with TRU as " verified '', I contacted the creditor again demanding compliance with the FCRA, FDCPA and FL Consumer Finance Act by either providing evidence of the legality of the debt and full validation or removing this illegal account.  XXXX  responded with a statement that they do not need to comply claiming tribal immunity. They then reduced the alleged amount owed to zero, but refused to remove the reporting.     A brief search of the CFPB database shows that this particular creditor is well known to be an illegal, online predatory lender who does not conform to state or federal law and routinely holds people 's credit repo rts hostage to extor t money from them.     I have repeatedly disputed this account with TransUnion only to be told that it had been " investigated '' and found to be valid. This is simply not possible as a simple check of the online Florida  Office of Financial Regulation license  database shows that they do not possess a loan origination or collection license, making the entire alleged debt illegal, invalid, and unenforceable under state law.   XXXX   XXXX   XXXX   Statut e 516 of the Florida Consumer Finance Act clearl y states that a license is required in order to make consumer finance loans as well as very strict guidelines on interest rates and terms that  XXXX  is also in violation of. The law states that loans not in accordance with this statute are invalid and unenforceable.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven invalid. According to the Fair Credit Reporting Act, accounts that can not be verified or are otherwise found to be invalid must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am asking for the CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and invalid tradeline 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 explanation
Consumer complaint received 2017-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Subject : Claim number appeal  XXXX  To whom it  may co ncern : I am  XXXX   XXXX  POWER OF ATTORNEY and   XXXX   XXXX   advocate.   XXXX   has a valid claim under the fair credit billing act and also due to the fact she rented  a drive w ay for a month see attached lease and those services were not provided and she had to move. She has provided you several times with these facts and proof.  See  attached new warrant against merchant. If you do not properly investigate this matter I will have no choice then to involve CONSUMER FINANCIAL PROTETION  BUREA  as  XXXX   XXXX  paid for  XXXX  rent and did not get the money back as it is illegal to live in  someones drive way  with a recreational vehicle. You are violating her rights as a cardholder under the fair credit billing act.   Govern yourself accordingly, Respectfully,  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 2017-05-16
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a credit card I had back in  XXXX . The card was paid off in  XXXX  but shows my last month was late b y 90+ days. I was not late but rather I paid in full. I tried contacting tribute ( phone and address is now for a card " aspire card '' ) the guy tells me tribute is a closed company and he ca n't do anything about it. I want the whole account rem oved from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE CREDIT REPORTING AGENCY  XXXX  , TRANS UNION AN D   XXXX    WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF 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 2017-05-16
Company: CARD Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
THERE ARE  XXXX  TRANSACTIONS  XXXX  WAS A RESERVATION THAT I MADE WITH  XXXX  THAT I GOT CHARGED TWICE, I GOT CHARGED WHEN I MADE THE RESERVATION THROUGH MY COMPANY CREDIT CARD AND THEN I GOT CHARGED AGAIN WITH THE PREPAID CARD WHICH WAS ONLY SUPPOSED TO BE USED FOR INCIDENTALS AND THE FULL AMOUNT WAS SUPPOSED TO BE REFUNDED AND  XXXX  CLAIMS THAT THE ONLY CARD I HAD ON FILE WITH  XXXX  IS THE PREPAID CARD ALTHOUGH I HAVE PROVIDED THEM WITH THE RECEIPT OF THE CHARGED MADE TO MY BUSINESS CARD AT TIME OF RESERVATION.     THE SECOND WAS FOR WHEN I FILED MY CARD AS LOST/STOLEN IT WAS USED AT   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   AND ALTHOUGH I PROVIDED THEM WITH A POLICE REPORT AND THE TRANSACTION WAS STILL PENDING WHEN I REALIZED THAT MY CARD WAS MISSING THEY ALLOWED THE CHARGE TO GO THROUGH SINCE I FILED IT THE MORNING AFTER IT WAS USED AND SINCE THE CASINO PROVIDED THEM WITH THE FOLIO WITH MY INFORMATION WHICH OF COURSE THEY WILL HAVE IT SINCE I HAVE A PLAYERS CARD WITH THEM BUT THEY DID N'T CARE TO MATCH MY INFORMATION WITH THE INFORMATION THEY HAVE ON FILE SINCE IT IS COMPLETELY DIFFERENT, I HAVE IT DIFFERENT FOR THAT PURPOSE  XXXX  HAS MY UPDATED INFORMATION WHILE THE CASINOS DO NOT AND THEY WOULD HAVE UPDATED MY INFORMATION IF MY CURRENT DRIVER 'S LICENSE WAS USED. BUT NOW  XXXX   DOESN ' S SEEM TO CARE OR WANT TO RESPOND TO MY DISPUTE, I HAVE PROVIDED THEM WITH NOT ONLY POLICE REPORT BUT ALSO ALL COPIES OF RECEIPTS FOR THE TRANSACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX agreed to settle my debt for {$900.00}. I paid the {$900.00} as agreed upon. They are still reporting a balance of {$650.00} despite the fact that we agreed to {$900.00} which I have paid in full.

Company response to consumer: Closed with explanation