BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Someone opened a XXXX XXXX credit card in my name. I tried to reach out to the company and have emails stating that it was not me that opened the account. The card went to a address I had never heard of let alone been associated with. They did NOTHING to help me fix it! Now I have disputed it and it just came back the information is correct and it stays. Only after they removed it once and than turned around and stuck it right back on for a longer period of time!! They are XXXX criminals!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A company called NCC Business Services is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$3900.00} but I have never done business with them and I have never received any letters or notices from them. Why did they not send me a notice of my right to dispute this debt before they reported it to my credit? The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
On XXXX XXXX, XXXX, Equifax allowed personal information to be released without consent placing me at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Had a promotional balance of {$550.00} at 0 % APR and a revolving balance of {$180.00} at 22 % APR, and their policy is to pay off the balance with the highest apr first, and they didn't do that. Instead they are continuously sending my payments over the minimum {$35.00} ( {$230.00} in XXXX. ) towards my promotional balance and charging me interest on my revolving balance. 

Not only that, their customer service just talks you in circles and ignores the problem at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is about LoanCare loan servicing. The mortgage holder, my mom, passed away in XXXX of 2018. I am the owner of the house through a beneficiary deed process. The mortgage servicing changed from XXXX to to XXXX to LoanCare. LoanCare, wont discuss the mortgage with me to make payments. I have made all payments as required on time. When I make bill pay payments, they apply extra money to the following month 's payment, and not towards principal balance reduction ; therefore, charging more interest on the mortgage. I am required to call in to make a payment in order to make a principal reduction, and when I call in to make a payment with principal reduction, they want to charge a {$15.00} service fee to make a phone payment when the payment is not late. I have no other way to make principal reduction payments without being charged to make the payment. This is unethical servicing, and billing practices.

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 2020-06-11
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OPENED BY SOMEONE WHO HAS GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS  ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX GXXXXL XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
I received a copy of my credit report and found many inaccuracies. XXXX XXXX has violated my right to an accurate report, due to the many inaccurate dates of payment status. it is reflecting late 120 days on XXXX, 150 days late on XXXX and XXXX on XXXX. XXXX dates of last payment XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. This is a violation o 1681e b whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of information concerning information about whom the person relates. 1681c ( c ) 4 accounts placed for collection or charged to profit and loss antedate the report by no more than seven years. It will be impossible to get a valid antedation date with so many different dates being reported. 15 U.S ( 1 ) duty of furnisher to provide accurate information. I demand that this account be deleted. I understand that under 15 U.S.C you must complete this within 30 days of receipt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I request a copy of all dispute results and documentary evidence from XXXX, and XXXX mailed 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 explanation
Consumer complaint received 2019-12-13
Company: PlusFour, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my XXXX  and XXXX  credit files by Plus Four so I drafted up a letter and mailed it to Plus Four via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because Plus Four refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word " Refused XXXX '' written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to Plus Four 's deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.

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 2016-08-25
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was unable to receive my free annual credit report from Experian. The website says, '' We were unable to honor your request. If you entered your credit card information, we did not charge you. ". So I guess they want me to pay for the report but it 's supposed to be free. There is no option to speak to a human when I call. My banks fico report says that Experian is reporting delinquent payments which is false. So I need the report and then a direct line to speak to a human to remove false info on 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 2022-05-16
Company: Selene Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a loan modification in XXXX from XXXX. After I got it, they sold my loan to another company. They in turn sold it to another company with it being sold every year. My taxes and homeowner 's insurance were part of my mortgage payment. When it went to XXXX in XXXX, they stopped paying my homeowner 's insurance and told me to do so on my own. I did so and have paid it myself for over three years. In XX/XX/XXXX my loan was sold to Selene. I continued to pay my own insurance for over a year and a half. Selene suddenly started accusing me of not having home owner 's insurance. I sent them verification that I did and they acknowledged that they received it and are aware that it is paid in full for the calendar year. All of a sudden, they have decided that they want to pay the insurance themselves and have increased my mortgage payment by {$260.00}. This is more than I pay yearly for home owner 's insurance. When I called them about it, they said it included my taxes. I told them that was not true as my taxes have not increased and I pointed out that my previous payment included my taxes without the insurance. Thus, the increase was for my insurance. They then said XXXX told them they paid my insurance when it was sold to them and that XXXX had last paid my insurance in XX/XX/XXXX. I told them this is not true as I have paid my insurance myself for 3 years. They then said they did an analysis when they bought the loan in XX/XX/XXXX and that's why I am now being charged for insurance. I asked them why did it take a year and a half for them to tell me they wanted to do this? Further, I advised that I never received any analysis or documentation from them about this, and that they had told me in writing, email and over the phone that they accepted that I would pay my own insurance. I also questioned why they were charging me more to escrow my insurance than I pay, and why they are charging me for insurance that is paid in full already. They said they would collect the money and have the insurance company refund the money that I paid them already. So in effect they would be voiding my paid in full policy for their own benefit. I talked to them about a waiver wherein I continued to pay my own insurance but was told I wouldn't receive one. So, they have lied about allowing me to pay my own insurance, the reason for the mortgage amount increase, about XXXX paying my insurance, and their property analysis which was never sent to me. The fact that they have consistently lied, and want to charge me for insurance that is already paid in full, and more than I pay is concerning to me. I want to pay my own insurance as I have previously done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland Credit Management filed lawsuit against me. I have never been in contact with this company nor do I have any contracts or debt with them. I was never notified of debt toward them or given the opportunity to dispute or deny this alleged debt. I now have to go to court to defend myself. I ran my credit and found midland credit management submitted unpaid collections against me in late 2021. There is no additional information regarding what this collection is concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is from a disputed debt back in 1993. It has been sold and resold. I have called them and they continue to attempt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: Regional Management Corporation
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have received multiple calls from Regional Finance in XXXX XXXX, to my place of employment after asking them on multiple times not to contact me at my job. I had to give them a notarized cist and desist to get them to stop communication at my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Thursday, XX/XX/2020 I attempted to make a money deposit to the website XXXX. I was notified with a message that states, " PNC has made a change that prevents you from being able to link your accounts. '' I would like access to move money from my own bank account to said website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX BARCLAYS BANK DELAWARE was removed my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.

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 2017-01-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE 60 DAYS NOTICE, AT XXXX XXXX BAD EXPIENCE XXXX I WAS NOT MOVING TIL XXXX DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE 2 YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX XXXX ; T KNOW FOR WHAT I PAID I. XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND XXXX OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: NCB Management Services Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Based on settlement letter sand the settlement amount on their website, I accepted a settlement to pay the collection and have it removed from the bureaus. I paid the amount due. Now the balance is still showing and has been reported to the bureau as a payment instead of deleting the tradeline as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2020-06-11
Company: NCB Management Services 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 status incorrect

Complaint:
NCB Management is reporting to CRAs as an open Factoring Account. Attempts to remove this account, and the falsely reported information, have gone unanswered by the agency. 

On XX/XX/2020 and XX/XX/2020, letters were mailed to the agency 's XXXX XXXX XXXX , XXXX, PA XXXX address requesting validation, and I have not received a response from the agency validating any of the information that is being reported to the 3 CRAs Currently the account is being reported as an individual account/paid as agreed with additional annotations that it is a collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Experian on several occasions letting them know that these address do not belong to me. ( XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX GA, XXXX XXXX GA ) I do not know how these addresses got on my credit report but I have been receiving letters and phone calls from foreign companies and people I do not know that have mentioned these addresses along with my personal information. I feel that my safety may be threatened because whoever these people are contacting me they are tracking me through my credit report with these addresses that do not belong to me. I have attached a police report because I have been a victim of identity theft in the past but Experian does n't seem to care about my personal safety at this point by leaving this information on 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 non-monetary relief