BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-21
Company: Remitly, Inc.
State: OR
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
On XX/XX/2016 I registered and initiated a money transfer operation with a company called Remitly, Inc. During the process I told them I was stationed overseas. To confirm my identity they told me in a telephone conversation with their risk management staff member that I must provide them a copy of my military ID. I am currently XXXX. 

I informed Remitly that copy of a military ID is a criminal offense under Title 18, U.S. Code, Part I, Chapter 33, Section 701 and are punishable by fine and/or imprisonment. Remitly 's response is that Know Your Customer trumps federal criminal statutes. They refuse to process my transaction unless I provide them a copy of my military ID. 

Remitly is requiring the commission of a felony in their business practices. They need to be shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: PA
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 been submitting disputes for SEVERAL MONTHS NOW against the accounts that these three bureaus keep posting in my credit report. I have reason to believe that these accounts are all INACCURATE and UNVERIFIED information but they keep showing up in my report. They have not shown any legal evidence to prove that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I asked for legal advice and was informed that what they are doing is against my rights and is not compliant with the FCRA/FDCPA. This has been causing me tremendous stress and mental anxiety, not to mention FINANCIAL concerns especially in these times of pandemic. They have not been very helpful in resolving these matters and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later and thus, the main reason for me giving them, literally, ONE MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me to shed light to them regarding the matter. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXo XXXX XXXX XXXX and PennyMac re Home Insurance payment for for XXXX XXXX XXXX, by Check no. XXXX, reference number XXXX. 
In XX/XX/2022 I submitted payment for my property home insurance to XXXX XXXX which was later returned back because the payment was made by XXXX XXXX XXXX, who is not a mortgagee under this insurance. 
Please explain why XXXX XXXX made this payment for my home insurance to XXXX XXXX if another company claims to be a Servicer and mortgagee. 
Please identify my creditor and its individual employee who authorized XXXX XXXX to make payment for my home insurance. Please provide this employees position with my Creditor ( it is a bookkeeper or an accountant? ) and full contact information for this employee, business address, phone number and email. 
Please identify XXXX XXXX individual employee who received this request from my Creditor to make payment to XXXX XXXX. 
Please explain why XXXX XXXX made payment from account which has routing number XXXX XXXX XXXX ; while I was instructed to forward XXXX XXXX  to alleged servicer and mortgagee PennyMac to XXXX XXXX XXXX with routing number XXXX? 
Please verify ownership of both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have contacted equifax to see what is going on with my credit and they would provide me any information because my phone number did not match the XXXX on file an i want to get this resolved an dispute all the items on my credit report because they are not mine and the credit bureau is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Union Adjustment Company, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My account was forwarded to a collection agency known as union adjustment after I filed for a chapter 13 bankruptcy, the XXXX account was included in my chapter 13 bankruptcy. XXXX continues to report my account as open, NOT included in bankruptcy and reporting that it is late. In addition, 1 year after filed for bankruptcy XXXX forwarded my account to a collection agency. This is a violation of bankruptcy laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
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: Account information incorrect

Complaint:
As of XX/XX/XXXX the creditor continues to report inaccurate account status and inaccurate account balances reporting to all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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 am complaining about the creditors who are reporting fraudulent information on my credit report. I have been sending dispute letters to the bureaus, but I get no response from them. I am hoping you could help 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 non-monetary relief
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Stated that it was correct, even though I called the original creditor and they said that it was never suppose to be on my credit report. I am lost and confused. I just do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
They are still showing that we were late on payments and owe back pay. I have letters and payment history showing where XXXX XXXX XXXX held our payments for months, and then applied them all at once which made it look like we were late. See attached documents proving.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
( NCB MANAGEMENT SERVICES, INC ), continued attempts to collect debt I do not owe. 
I have disputed ( NCB MANAGEMENT SERVICES, INC ) account number XXXX because the debt is not mine with the Big XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But to no avail the item remains on my report and ( NCB MANAGEMENT SERVICES, INC ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The bureaus are reporting false inquiries made by people who were trying to steal my identity. There are hard inquiries on my record that do not belong 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 2022-10-26
Company: EQUIFAX, INC.
State: MI
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:
THE COMPANY BELOW HAS VIOLATED MY RIGHTS 15USC 1681s, 15USC 1681a and 12cfr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ALSO HAVE SEVERAL INQUIRES BELOW THAT ARE IN VIOLATIONS AS WELL AND SOME ARE UNAUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: CITYWIDE HOME LOANS A UTAH CORPORATION
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
We were told in XXXX that we had been qualified thru USDA to purchase a home for {$160000.00}. We purchased a new build home and uprooted our whole lives to move to XXXX, NV and watch our new home being built. On XXXX XXXX we were finally doing our final walk-thru and would be in before XXXX. During that walk thru our lender called the sales agent ( not our agent ), to tell her we did not qualify because we are on income leveling. This means that when social security kicks in, ( in 2 years ), my retirement benefits come down by exactly what my SS amount will be ( {$XXXX} ). They told me that one underwriter had been fired and the new underwriter had dis-qualified me on that fact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Collection accounts has been misreported on my credit report. 
with XXXX, Trans Union, and XXXX. Ive disputed with all three credit bureaus certified mail XX/XX/XXXX, AND XX/XX/XXXX, and previous times in XXXX. I'VE I ask for validation/verification for the following : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXy. Ive requested to see Verifiable proof with an original consumer contract with my signature on it. Under FCRA unverified accounts must be removed. XXXX Trans Union and XXXX failed to do any of the requested.I was sent investigation results : VERIFIED as Accurate without any supporting requested documents. Ive been in a number of breaches date breaches regarding XXXX and XXXX This has had negative impact on my credit scores. 

Ive requested removal several times through all the companies if they are unable to provide me copies with original signatures However this information still remains on my credit report as of

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 2022-10-26
Company: NCD Financial, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried reaching out to the furnished to remove late payments because they are hurting my credit and I received no reply. Furthermore, I reached out to the credit bureau ( XXXX ) to just delete the profile from my credit since the furnished refuses and the credit bureau refuses. There is no balance owed on the account. Account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: National Credit Adjusters, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the victim of identity theft. I noticed this account on my report in or about XX/XX/XXXX, I notified the company that this was not my account. It was expained that this was opened in XXXX. I explained that it is not my account and I was a victim of identity theft. I called daily over a span of 30 days, with no avail. I fianlly spoke to a supervisor Ms. XXXX on XX/XX/XXXX. I expalined that I had previously sent over all supporting docs and to remove this off my credit report immeditately. She explained that it could take up to 90days. I explined this was not accepatable and this was not my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank all of a sudden send me a letter stating that they are closing my account. When I asked them what happened, the reason was " it 's a business decision ''. I understand that they can do that, my concern is what happened that triggered it. 

They did leave my business account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovered Associates continue to report this debt from XXXX  XXXX which is from a account with a original default date of 2010. This account is being reported and has been report consistently and illegally. I spoke with a agent and advised the statue of limitations have expired and this account has to be removed from all reports. Despite my request it has continued to be reported and that is wrong and illegal. Id like these to be removed immediately and cease false reports that have negative impacts on my credit and finances. Ive never received a debt validation from the original creditor because they know it shows a date of 2010! Its been almost 11 years like really this is insane and unfair and unjust and illegal. This account should be closed indefinitely and never resold or reported again. This is my final request before seeking a legal service because calling gets me nowhere but a mediocre supervisor with lies perhaps this communication will get me a real director or manager from the company who will review this account and see what Im referring too. Id definitely want proof of documentation as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Nationwide Recovery Systems, Ltd
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was given my medical insurance information on three occasions over the past 3 years. They refused to contact my insurance company and stated that I still owed them money that would have been covered by insurance. I am frustrated because as soon as I thought this was settled I got another letter from them and then another. I gave them the correct information on more than one occasion and they have no right to collect a debt that I do not owe. Furthermore, Nationwide Recovery systems has no right to file this with my credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: A/R CONCEPTS, INC.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Never got a formal letter of debt. No messages left for what debt it was for. Finally I spoke with someone at debt collectors. They finally sent letter for debt. I sent payment in form of XXXX XXXX for total due.Never processed payment and placed on credit report as a collection. ( Please note I never answer my phone and/or return calls unless I know who is calling, too many scams ) If they would have sent a formal letter the XXXX time this payment would have been made. As when they did, when I finally spoke with them. I made payment right away within couple days of receiving the XXXX and ONLY Letter they sent.

Company response to consumer: Closed
Consumer complaint received 2021-03-14
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I decided to check credit score and try and get loan or credit card. But instead found this out. I can't get card or loan cause of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reported to the experian that the addresses listed on my credit report is and and never has been my address. They refuse to remove it saying that my bank reporting the address. I contacted my bank and they DID NOT report the address and the address shows NO where on any of my accounts with them. The address is XXXX XXXX XXXX XXXX, TX XXXX The only address that is correct and should be showing on my credit report is XXXX XXXX XXXXXXXX XXXX XXXX TX 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 2022-03-28
Company: CL Holdings LLC
State: GA
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:
I sent in my written disputes to cancel every collection account that appears on my credit reports. According to the Fair Credit Reporting Act sections 609 and 611, all of these collection accounts shall be removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: First Data Corporation
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A " letter from XXXX-First Data Credit Card Transactions Clearing Service named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX or XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XX/XX/XXXX-XX/XX/XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in Sen. XXXX 's Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from XXXX XXXX XXXX for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX-First Data offers self-opposing facts, untruthful information & no useful service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX XXXX ( XXXX ), XXXX. credit card that I was unable to pay. The total debt amount with fees and interest totaled {$7100.00}. On XX/XX/XXXX, XXXX XXXX XXXX, on behalf of XXXX XXXX, offered me a settlement amount of {$1400.00} to resolve this debt. Because my auto loan is also with XXXX XXXX and is current, XXXX XXXX was willing to work with me and offer me the lower settlement amount. I accepted their offer and paid XXXX XXXX Solutions {$1400.00}. 

Portfolio Recovery Associates, LLC has been attempting to collect the original amount of {$7100.00}. I've notified them both verbally when they called and in writing about the settlement agreement with XXXX XXXXXXXX XXXX. On XX/XX/XXXX Portfolio Recovery Associates sent me a letter stating that they have completed their investigation, and the debt is valid.

Company response to consumer: Closed with explanation