BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Company: Seterus, Inc.
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my mother passed away four years ago. I co- signed for her home in XXXX. I continued to pay the mortgage on her loan. I later had financial problems and was told by Seterus that i could get a modification loan. Then was told later that i did not qualifiy for a modification loan. The mortgage company then said i owed a lot of back payments. And they placed me in foreclose. Seterus did not allow me time to get the documents needed for a modification loan. When i tried to contact the lawyer that was handeling the lawsuit. i would not receive a call back. I had a letter sent to me saying withdrawal of counsel and entry of appearance of substituted counsel twice. Seterus took a payment from me in XXXX of XXXX and said they never did. I asked how much it would cost to reinstate the loan and they added so many thousands to my account that i do n't owe. Now they are going to auction off my home XXXX XXXX at XXXX unless i pay XXXX on XXXX XXXX XXXX. They have made mistakes and do n't want to fix them. Please do n't let them take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by a law office in XX/XX/XXXX/XX/XX/XXXX alleging they were hired by Portfolio Recovery associates to collect a debt they alleged that I owed. I had a lengthy conversation with one of their reps on the phone, whom I actually filed a complaint on, because he threatened me with action he was not able to perform. After getting off the phone with him, I sent a verification of debt request, as awarded to me in my rights. After 3 weeks, I finally received a statement, which showed I owed " Portfolio Recovery Associates '' the money. I have never borrowed money from PRA, therefore they did not send the required and correct documentation. 

A few days later, I spoke with a call center manager within Portfolio Recovery Associates. She thoroughly apologized to me regarding the law office in Louisiana contacting me, and assured that she would have the account pulled from their office so that I would not be contacted by them anymore. She called me in reference to the complaint I submitted to the CFPB. I received a letter in the mail from PRA almost a month later, advising me of a debt I allegedly owed. It was as if the debt was new and they were just getting it back from the law office. 

I mailed them a letter advising that I requested a proof of debt letter from them, and the law office previously and that I had not received anything. Their response to that was to send me another statement, same as the last one, that had their letter head on it, with no mention of who they alleged I owed the debt to. 

I mailed them a response letter back, notifying them that I had never taken money from them, as they were the only company listed on the statement, and they had failed to provide proof of debt. I advised them that per my rights and the FDCPA, they were to immediately remove their reporting from my credit report. 

This all happened well over a year ago. 

I have received no contact from them since that point. I am in the process of selling my home and relocating due to my work. When my relocation company pulled my credit to get me a new mortgage for the new city I will be in, they advised me that PRA was still reflecting on my credit. 

This is extremely negligent business practices and they have no regard for the reporting on consumers credit that they are practicing. In the past, in dealing with them, they have been extremely vindictive and refuse to follow the policies and procedures put forth for collection agencies and I would like this handled. 

I now fear that they will attempt to sue me for these funds, although they have never provided proof of debt to me ( as required ), in response to my complaint I am submitting to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. XXXX of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to Equifax last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX, XXXX, which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX ), Order Vacating Final Judgment ( XXXX/XXXX/XXXX ), Notice of Hearing ( XXXX/XXXX/XXXX ), Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX ), the stub from the money order I used for payment ( XXXX/XXXX/XXXX ), and the XXXX Postal Service Return Receipt for the rent ordered by the court, signed by XXXX XXXX 's manager on XXXX XXXX ( the hearing was on XXXX XXXX ; I mailed it the next day ). I want this removed from all XXXX credit bureaus. Your assistance will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: TN
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:
THESE ARE NOT MY ACCOUNTS. I HAVE ASKED THEM TO BE REMOVED. I WAS TOLD TO SEND PROOF. THAT IS NOT MY RESPONSIBILITY. IT IS THE RESPONSIBILITY OF THE PERSON REPORTING IT. 

XXXX XXXX XXXX from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Bank XXXX XXXX from XXXX XXXX, XXXX +

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
While I was shopping for a vehicle loan I had several hard inquiries made. Based on information that is porvided here by the CFPB all these inquiries should have been combined into XXXX. XXXX did it automatically from one month to the next. Why have n't you?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XX/XX/XXXX Transunion Attn : XXXX XXXX XXXX XXXX XXXX, PA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Transunion. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Best regards, 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 2017-08-18
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a robo call on my husband 's cell phone ( XX/XX/XXXX at XXXX XXXX ) and was asked to hold for a live person. Live person identified as a debt collector. First violation that they did not have authorization to call this cell number. Claimed I owed {$3700.00}. I explained that I had settled the account on XX/XX/XXXX with the hospital XXXX and had a cancelled check showing it was cashed. I also explained that another agency XXXX had contacted me in XX/XX/XXXX about the same debt and they were given the same information and I had not heard anything else from them about the debt. I sent a letter to Capio Partners LLC on XX/XX/XXXX disputing the debt and advising that they had violated the FDCPA, FRCA and TPCA with a copy of the cancelled check showing that the account was paid. I requested they send a letter to me acknowledging that they removed from my credit file and show account paid and closed. They have not sent a letter and have posted this to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HSBC is attempting to collect a debt that was a result of identity theft. I have disputed with the credit bureaus and have sent my official police report to them to resolve. No success. This is a violation of the FCRA and FDCPA for identity theft victims. Please help me resolve this matter quickly before any further damages are incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: NY
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:
This this the third time I am reporting unauthorized accounts and unauthorized injuries 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 2022-08-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 168 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with out my written permission without my written consent. 

I've tried to dispute with them on my own and dispute results were just " consumer disagrees '' and nothing has changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: KEYCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX ( now owned by Keybank ) allowed a payment to go throught that I did not make to a payday loan. When they investigated it they wanted me to speak with company and give my personal info out. I refused and XXXX XXXX sided with fraudlent company. I continued to fight them even filed complaint with CFPB when it happened. I was going through a bankruptcy and included this in it and was discharged in XX/XX/XXXX. While going to op ; en a new checking account it was found they have me listed fir XXXX owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Deposits were made on Wednesday, XXXX/XXXX/16. The bank did not make any money available the same day as required. The next day nothing was made available. Now Friday the second business day still nothing is available and the bank has stated that the items are " under review '' and has given no indication of when the funds will be made available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: BARCLAYS BANK DELAWARE
State: UT
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 have sent 3 letters to Barclay card, 2 by regular mail, 1 certified. all in the last 30 days starting on XX/XX/2022 the last on XX/XX/2022. 
I have called 4 times asking for them to correct my XXXX credit report. they have correct my transition and eqafax report, they have reported a zero balance on all 3 reports but state I still owe XXXX. I was sued by portfolio collections and paid in full. they have stated that portfolio owns my account and they need to fix my reports. 
in all 3 letters I have inclosed the documentation showing it is paid. I call portfolio collections they stated that they have sent documentation to Barclay and have removed all remarks from my credit reports ( I have verifed that ) on a recorded line 4 times they have stated they will not correct this issue. 
I have attached the documentation I have with account numbers

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 2020-09-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Target  has reported a fraudulently opened account on my credit ... It went to charge off and damaged my credit. Numerous attempts to request Target  to validate this account went ignored, they have NOT provided in writing any copies of the original application or payments that they supposedly received on this account. I have been disputing this with them for 6+ months now only get ignored and finally I spoke with a person on XX/XX/XXXX, who offered me settlement on the account in lieu of deletion. Even though this was NOT my account I agree to pay so they could delete. After they received the payment they refuse to delete this account and this is hurting my report in great deal ... I provided to them all I could police report, copy of my ids and ss card so they could compare it to what they have and know it is identity theft. But they ignore, arrogant and negligent have NOT provided me any proof validating ownership of this account and only took money that did not belong to them ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Credit card
Issue: Sale of account

Complaint:
Back in 2005 I was given an XXXX credit card. The total amount available on the card was about {$500.00}, if I 'm not mistaken. Anyway ... after the housing market crash I had been paying my credit card bills on time but evidently the bank decided to close out my account and left me hanging there with about five hundred owed. For years I would get calls from collection companies trying to settle the debt. It never got paid and now I 'm XXXX years old, no job and only have social security as my income. I have no property, no big bank accounts and nothing anyone can slap a lien on. Portfolio has been the main company trying to collect from me for many years now. About two years ago I told them just what I told you folks about my financial situation. They refused to stop contacting me. For many years they have called me almost every single day and sometimes twice a day to the point that I just do n't answer their phone calls any more. At this point I want them to stop contacting me. Enough is enough. Can anyone from CFPB report these folks and their unfair business practices?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was paid off long ago. I paid it over the phone and did not receive any confirmation. It is still showing on my credit as being owed and I still get phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation