BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Called my parents phone and discussed my debt with them. I had n't lived at my parent 's house in 20 years

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 2015-04-06
Company: Western Portfolio Assets
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
My family and work received calls from scammers claiming to be XXXX on the verge of XXXX my property for a debt. They also called my work and harassed them claiming to be a law firm. My boss told me to take care of it immediately as calls like that were unacceptable at the workplace. I paid {$900.00} to supposedly a XXXX law firm. My wife called shortly after and said she called XXXX directly and not the ( XXXX ) number left and was told it was a scam. I spoke to sheriff and called bank to stop transaction. Even though I explained the person I gave info to was not who they claimed and I had been scammed the bank would not stop transaction. Furthermore the bank would not let sheriff have access to my account and when disputed claimed it was not fraud because I received what I paid for. I paid no debt off, my money is gone and the company that actually took the money out was not XXXX or this XXXX law firm it was western portfolio. How can they get away with this and how can XXXX Bank get away with claiming it was n't fraud.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Jim Bottin Enterprises, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABC Financial Services Inc. comm itted credit card fraud by charging my credit card for services not authorized by me. This company uses unethical collection practices and abuses customers by charging small amounts over time that typically go unnoticed. This company should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently initiated a dispute with Equifax, at this time I have not received a final response. XXXX aka XXXX has placed a collection on my account with all 3 of the credit bureaus for an account that was paid in full in XXXX. The original account was with XXXX, and I paid XXXX the balance of {$100.00} in XXXX XXXX must have purchased the collection after I had paid it off. This collection has not been on my credit report. I have a report from XX/XX/XXXX and XX/XX/XXXX, and this account from XXXX, is not on these reports. I also have had service with XX/XX/XXXX since XXXX, under the same social security number. If I had an open collection, XXXX would have denied me service. This account was paid in full in XXXX. I believe that XXXX has performed an inquiry on my credit report, and sees that I am shopping for mortgages. I believe that this account has been posted as an attempt by them to make money on an account that has been paid for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 


Account in question are : XXXX ( i believe we first became late of 7 yrs ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted a letter to Equifax stating that the inquiries on my credit report were not authorized, and I asked the Equifax to provide me verification that I gave permission to the companies listed on my credit report to pull my credit. Equifax mailed me a letter stating that the items will remain on my account for 2 years without providing verification that the I gave permission to the companies listed on my credit report to pull my credit. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX is the only one that 's right the other XXXX have incorrect information on them. I am tired of trying to get the old information off my credit report. Most of the stuff that appears if before 2010 and has resold to other collection companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I closed an XXXX account after XXXX XXXX XXXX over-charged my account for the 6 months that I had the account open. Every month I asked about the account XXXX XXXX XXXX said I would receive a refund the following month but I never did. I paid in full and closed the XXXX XXXX XXXX account, and opened a new account with a local ISP. 3 Months later XXXX XXXX XXXX sent my account to collections for XXXX additional months of service after I closed the account. I told them I closed the account, but they said they could n't do anything because it was already in collection. I could n't access my XXXX XXXX XXXX account and they would n't send me the bills. The account hit my credit reports in XX/XX/XXXX. In XXXX I successfully disputed the account with the credit reporting agencies. In XX/XX/XXXX another collection company posted the same collection account from XXXX XXXX XXXX in XX/XX/XXXX. I never new about this until XX/XX/XXXX, when I started the house buying process. Now in order to get a mortgage I need the account to be re-removed. I have started the dispute process with all XXXX credit reporting agencies, and XXXX has removed the account, but I have n't heard from the other XXXX. Are new collection companies allowed to re-post an old disputed collection again? Can you please help me so I can purchase a new home? I have never even had so much as a late payment on account before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Hard Inquiries :  XXXX    XXXX    XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   XXXX  was requested by me to be removed on  XXXX / XXXX /  XXXX   to TRANSUNION because they 're not supposed  to  be on my credit report but their customer service would not help and take care of the negative inquiries 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 2017-05-17
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I owed a debt for a motorcycle t o Midland Credit Management,  acct #  XXXX  that they acquired fro m   XXXX   XXXX   se veral years ago. 10 months ago, the account was settled and I requested the title for the motorcycle. They would not send it. After a couple months, they informed me I only needed to fax a letter requesting the title with the motorcycle VIN # and that I would get my title in 30 days. I did so on  XXXX   XXXX ,   XXXX  , and supplied a copy of the initial registration as well. I also had them change the address to send the title as well because I moved recently. After not receiving the title, I called about it and was told I did not send the letter. The story hanged several times while on the phone. Initially, they said they had received the letter, then I was told it was illegible, and finally that they never received it at all. They did, however, change my address on file to the one I requested in the letter, so obviously they received it and it was legible. They are still refusing to send me my title even though they have not held a lien on the vehicle in almost a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
HI MY NAME IS XXXX XXXX XXXX AND I WAS JUST ONLINE CHECKING MY CREDIT REPORT OUT AND I NOTICED THAT SOMEONE WAS USING A NAME OF XXXX XXXX I NEVER USED THAT NAME AND IN THE FUTURE ONLY ACCEPT THE NAME OF XXXX XXXX XXXX S.S # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in XXXX account XXXX 1. Balance amount is XXXX, and charge off amount is XXXX Account reports no payment history in prior to XXXX 2. Payment history reflects paid in XXXX XXXX however first delinquency reported as XXXX XXXX in account notes. 
3. First major delinquency reported as XXXX however payment history reports charge off in prior months begging in XXXX XXXX. 
4. No payment history prior to XXXX however account was open in XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts, nor did I live at any of these addresses listed. Please remove them from my credit reports.

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 2016-12-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried several times now to get my credit report from Equifax and they keep refusing to let me see it online. I was able to get the other XXXX, XXXX and XXXX, so I do n't understand what the problem is with Equifax. I understand I should be able to get a free report annually, which is what I am trying to do. This is not right or fair, so I would appreciate your help. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
RMS wont stop contacting me and even through the mail! I do not owe waste management nothing!

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 2017-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery assoc iates,  XXXX . Repeating daily calls to collect a debt I do not owe or even previously dealt with company in the past they represent. Demanded there is no on else with my name, and I was trying to avoid taking care of my responsibility. I am not the first I am the third  XXXX  in the family. I have repeatedly asked to have my number removed from their list.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: PHH Mortgage Services Corporation
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had an FHA home loan with PHH Mortgage Company until XXXX XXXX, 2016. On XXXX XXXX, 2016, a corporate relocation company acquired my home to eventually settle on the house with private buyers. Therefore, I was not required to make a XXXX mortgage payment. I cancelled my automatic draft online at XXXX ( PHH Mortgage Company ) on XXXX XXXX, 2016 ( Sunday ) but their system took 4 days to load, and I could not call anyone to confirm since they are not open on Sundays. My XXXX mortgage payment automatically drafted {$1800.00} ( and change ) from account. On XXXX XXXX, 2016 I contact PHH mortgage to request a refund because the relocation company paid the XXXX mortgage and has confirmation of doing so. I faxed a formal request that same day and was told I would receive the refund in XXXX10 business days. On XXXX XXXX, 2016 I called back asking for the status since I had not been refunded. I was told that they had send a check in the mail, but that they would contact their cash management group to re-send a check. I was told to call back the next day to ensure this happened. When I called, I was told that I might not be able to receive a refund because my account would become delinquent, and was asked to call back a week later. Finally, after 6 calls, and over 3 hours either on hold or talking with a customer service rep, I was directed to a supervisor. On XXXX XXXX, the supervisor informed me that I can not receive a refund because then my account will become delinquent and will show negatively on my credit report. I explained to them that they have been double paid for XXXX, because the relocation company also has record of paying XXXX 's mortgage payment since they now own the home. It is XXXX XXXX, and they still have not issued me a refund for the overpayment in XXXX, and I was directly misinformed by XXXX of their customer service reps telling me that they had already issued payment to me earlier in XXXX, which I confirmed later on was not true. I also submitted my refund request on XXXX XXXX, 2016 and it took them until XXXX XXXX to review and advise me that they will not refund my {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Communication  sent to me states investigation started on  XXXX   XXXX  and completed  XXXX   XXXX . When I called to inquired, I was told investigation started on  XXXX   XXXX  and completed  XXXX   XXXX . Tranunion stated that this was inside of the 30 day window, when in fact it is not.

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 2021-02-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
SYNCHRONY BANK XXXX XXXX re-opened an account under my name. This time it was opened with Creditor : XXXX XXXX XXXX. This was supposed to be expunged after 7 years and it has been that amount of time. But it was re-opened. That is not fair, i am never going to get this off my record. Please look into this, i don't want this on my record another 7 years.

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 2017-05-17
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice of an debt collection for a company I did not owe a debt to. I called the debt collector to request information and contacted the original creditor, named  XXXX   XXXX . This is a company I have placed orders with through the name of  XXXX   XXXX   XXXX  and have my own account on automatic payment. I was told that the order I received debt collection information for was for an account and a name that are not mine.  XXXX   XXXX  sent me the invoice with information regarding this order, and it 's for another individual in my apartment complex with a different account # than mine.     I have attached the invoice, which has a different  A  mount Due (    XXXX   XXXX   ) than the debt collector,   XXXX  , is attempting to collect. The name on the account is not mine (  XXXX   XXXX  ), and the account # is not mine.     I have attached an accurate invoice for an order that was mine placed in  XXXX , along with the proof of automatic payment on my credit card that was charged for that order. I have also attached the paperwork sent from  XXXX  regarding the order that is not mine and for which the debt collector is attempting to collect on. Further, I have attached a copy of my accurate order history, which shows that no order was placed on the date of the invoice, on my account.     My multiple attempts to work this out with the debt collector and with the credit reporting companies have not been successful.  XXXX    XXXX   agreed that the order was not mine and said they would cease collection practices for an order delivered to my apartment complex but not to me and not placed by me. Please help settle this matter by removing the fraudulent collection from my reports and demand the debt collector to cease and desist. The actions of this company are illegal, as are the failure to properly verify the authenticity of the debt by the credit bureaus.

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 2016-06-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was recently denied a loan and the reason cited was a " Derogatory public record on credit file. '' I have been aware of this item in my credit report for quite some time and have been working for several months to have this removed from my credit report as it does not belong in there. 

The record at issue is a Judgement which appears in my Equifax report. Attachment A is a letter from the attorney for the prosecution explaining that while I was a defendant in that case, the judgement is against a different party. I was only named because I was a tenant at the time of the lawsuit and the lawsuit sought to possess the property, but never owed any debt related to this case. The XXXX County Court Order in Attachment B supports that statement. I was named in that case merely because I was a lessee. However, I have never owed any debt related to that case. Finally, Attachment C is the case history which you can also access at XXXX 

While this item has been successfully removed from my XXXX and XXXX reports, Equifax unfortunately remains obstinate. I have made two attempts to have this corrected and both times, I received replies that the item has been updated to report satisfied/released. ( See Attachments D and E, disputes XXXX and XXXX ). However, according to several telephone conversations I 've had with Equifax 's customer service representatives, there is nothing I can do to have the record removed entirely from the report. I am told that all I can do is wait until 7 years have passed since the judgement was filed, which is in XXXX 2017. 

The lawyers who prosecuted that case say that there is no judgement against me so it is impossible for them to go to court to have a judgment removed from the court records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: Brown and Joseph, Ltd
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
BROWN AND JOESPH LTD C ALLS MULTIPLE TIMES A DAY, HARASSING MY EMPLOYEES AND DISRUPTING OUR WORK TRYING TO COLLECT A DEBT WHICH WE HAVE PAID IN FULL TO THE COMPANY THEY ARE REPRESENTING WE HAVE TOLD THEM TO STOP CALLING AND JUST SUE US, IF THATS WHAT THEY CHOOSE TO DO, BUT TO PLEASE STOP CALLING

Company response to consumer: Closed with explanation