BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
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:
Prestige Financial Services is consistently and intentionally furnishing inaccurate and incorrect information to the consumer reporting agencies against me. I began to notice the inaccurate reporting in XX/XX/2022. I submitted disputes to all three credit reporting agencies. It is now XX/XX/2022 and I am tired of the aggravated identity theft, invasion of privacy and the hostile nature of which I am being treated.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The inaccurate information reporting on my consumer reports include Prestige Financial Services reporting the following inaccuracies : Incorrect account numbers, inaccurate account types, differences in account detail/type, date last active was different, differences in date last reported, comments differed, differences in balance, ect.

This is out of compliance pursuant to 15 U.S.Code 1681e I have proof of intentional and inaccurate reporting MULTIPLE times a month. This is harassment, and abuse. Prestige Financial Services is causing me tremendous financial harm, I have documented proof of inaccurate reporting across XXXX, XXXX and XXXX. I have submitted the following complaints against Prestige : CFPB complaints ( XXXX ), XXXX  Complaints, I have submitted Attorney General complaints for both Texas and Utah. Prestige Financial Services continues to violate my consumer rights with willful noncompliance which is a violation pursuant to 15 U.S.Code 1681n ( a ) ( 1 ) ( a ).

These are violations of my consumer rights.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company is stating I 'm behind on my account. Per my calculations I should be up to date. They have applied my monthly payment towards other fees without my authorization, this cause for my account to be at default assessing late charges on the account and reporting over 30days past due. Until this date, I have requested for someone to review my account and explain to me how my funds are being distribute to my account. I get no answer, representative only state " I will mail you out a payment history report '' this is not the solution. I need answer. I requested to speak to a Supervisor and was told her name was XXXX she was unprofessional. I asked her to please go over payment history report with me to inform me where in my part I defaulted on my loan. I 'm 100 % sure my account should not be past due. I need assistance and need someone to inform me where I defaulted and no one in this company is taking the time to review my account to proof them wrong.. I expect my credit report to be fixed and my account back up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions 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 have exercised my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that is listed on my consumer credit report : XXXX  XXXX XXXX disputed accounts # XXXX and # XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. In response to my previous request and complaint Experian responded on XX/XX/2020 stating that they have " verified '' the disputed XXXX  XXXX XXXX accounts. However, at this time my request is not about VERIFICATION, although these false accounts are obviously disputed - I am exercising my right to REQUEST INFOMATION REGARDING ITEMS on my credit report. 
Therefore, this is not a duplicate complaint or request.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file, the item i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my credit file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately.

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 2022-05-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: NY
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 is my third complaint to the CFPB and I have also written to the Credit reporting agencies indicating that my credit file is inundated with inaccuracies. However, the credit reporting agencies have repeatedly stated that these items were validated as being accurate. Clearly, this can't be the case when there are clear instances of inaccurate reporting 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
Consumer complaint received 2022-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a fraudulent credit report for capital one which I never inquired for and also I have never even given them my information at all before! They have showed up as a hard inquiry on my account since XX/XX/2022. Also, XXXX XXXX has a lawsuit for fraudulent activity that has now made its way to my collections!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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:
I applied for a loan at XXXX XXXX XXXX today XX/XX/2020 and I was not approved because apparently there are many accounts in negative standing appearing on my credit history. I looked through each account and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information. I do not have any relationship with any of these companies nor do I have a contract or agreement with any of them. I did not benefit anything at all from these accounts and I did not take part in any purchases or payments made towards these accounts. I have already notified these companies as well as filed a police report regarding this suspicious activity on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Credit Karma, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Credit Karma website advised me that I had EXCELLENT & GOOD approval odds, and when I applied I get denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed using XXXX to pay for a product that seller never intended to send. My bank PNC refuses to reimburse me. I have no other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am in the middle of getting a home loan to buy my first house. After getting my three credit reports I see that bankruptcy is on there. I reached out to the bureaus and the bureaus got the information from XXXX XXXX. After speaking with XXXX XXXX my information was combined with someone else. This company continue to say verified as accurate. And thats false

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 2019-10-25
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Okay so XX/XX/XXXX, I receive a call from " Unknown '' they left a voicemail. It stated that I need to call them or First Virginia could take me to court. So, I'm frantic and I hurry up and call. They stated that I gave the wrong bank account information knowingly back in 2010. And that they were going to take out claims and take me to court for doing so. So I'm like I would never intentionally not have money in my account. I fell on hard times and still is on hard times. XXXX XXXX-She goes well you can pay it off right now with {$320.00} and I will tell First Virginia not to prosecute you. So I'm like there's no way I can even afford that. She said well we can split what you owe in four payments. So I agreed but something just didn't sound right. I've never heard of anything like this in my life. I'm like I didn't commit any type of crime. So I did research and noticed that a lot of people were being threatened like this. My bank advised that I change my credit card number before they charged the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: U.S. BANCORP
State: OH
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 never had an account with US Bank, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account US BANK XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$13000.00} {$410.00} {$18000.00} XXXX PAYS 61-90 DAYS {$5100.00}

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 2022-05-05
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file, the item i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my credit file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2022-09-14
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About a year ago received notice by credit reporting application credit karma that medical collection was place on my credit report. I reached out to agency letting them know that it was not me and it is still on my report, and it is now stopping me from obtaining suitable housing

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 2022-09-14
Company: Credit Karma, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Credit Karma giving hard inquiries to check if Im approved for pre-approved cards, also would apply for cards that said Id get approved for but Id get denied

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Westlake Services, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Alleged Creditor ( finance company ) sold a debt to a third party company back in XX/XX/2018. The third party company sent me a letter making a claim that they will be servicing an account. The notice included : IMPORTANT NOTICE ABOUT YOUR RIGHTS : Unless you dispute this debt or any portion of it within thirty days after receipt of this letter, the law permits us to assume that the debt is valid. You may notify us that you dispute the debt or any portion of it in writing, or by  telephone. 
Within days of 7 days of this notice I sent an email, called, and mailed a letter request of debt validation under : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character, Cease and Desist notice. Include within this letter I stated : If your office fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent immediately. Do not contact me at my workplace for any reason as well as attempt to collect any debts on behalf of the Alleged Creditor that sold this debt until proof of debt has been validated. The Alleged Debt Collector did not nor can not legally prove a valid balance on the account still exists under penalty perjury. The third party company made several attempts to call me to collect payments and act on the behalf of a servicing company. Without notice the third party company has repossessed the vehicle from my workplace after the cease and desist notice was sent months ago. I have made several attempts to get my belongings from this vehicle and was denied by the repossession company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: IL
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:
Loan was discharged in XXXX Bankruptcy XXXX purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB XXXX  records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT RE AFFIRM LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/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 2015-03-27
Company: ERC
State: PA
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:
I found a collection on XXXX of my credit reports. I asked the credit agency to verify the information and they said they did. It is a XXXX bill outstanding from an account opened in 2009 in a city I did n't live in, with a different last name than mine as well as a different SS number. I called XXXX and asked them use my name and SS and they did n't have any records of any accounts or outstanding bills. Into the picture comes Enhanced Recovery Company ( ERC ). They have been VERY difficult to work with. I 've repeatedly called them and was told to send in by email and mail documents ( drivers license, SS # and copy of credit report ). I 've done all of the above to no avail. I can not get any response or action on their part. Every time I call I am passed on to a " manager '' who still can not help me or find any of my information that I provided at their request. I have read so many terrible reviews of ERC that I 've decided to go down this path for some help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My wife XXXX XXXX called Tower Loan in XXXX, LA on XX/XX/22 to pay off my loan. We have the phone call recorded. She spoke with the lady who says she is the manager there XXXX. In the phone call you can hear XXXX tell XXXX the payoff amount of XXXX and that there will be a fee of XXXX. XXXX authorizes the payment and gives her the card information. XXXX says hang on there was a glitch on my computer and I dont know if the payment went through. XXXX got notification on her phone that it ran XXXX and told her about it. XXXX couldnt explain why that happened. XXXX asked her to correct that transaction and run it for the whole amount because we didnt want to pay the {$2.00} fee twice. XXXX told us that she could not do that and she didnt want to run the other part of the payment either because it would charge us. We called to do the payment over the phone for the payoff and paid the {$2.00} fee as a convenience to us. She said we could bring the rest of the payment in the office. XXXX called today XX/XX/22 to be sure payoff was still {$29.00} which is amount we should owe and they told us no that it was XXXX. We got XXXX back on the phone and she was telling us it was because the same as cash option had expired and we had gotten a late fee. We should not owe any of these fees because we called to pay it off on XX/XX/22 and due to XXXX 's mistake it was not paid in full. XXXX said she called and talked to her supervisor XXXX and she told her that they could get it down to {$39.00} but we are still responsible for the {$10.00} late fee. My wife is almost 6 months pregnant and the way they are talking to her is causing her severe anxiety and stress. This needs to be handled. I have heard many people complaining about this company but this is the first and the last time I will ever deal with them. XXXX told me if we didnt pay the XXXX that it will not be paid out and it will be reported to my credit. I need to know if I need to get an attorney involved or what because this is not my fault. XXXX made the mistake and they should not be allowed to treat people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: 2288984 Ontario Inc.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XX/XX/21 an alleged process server went to my job i was notified spoke to the individual they said they were hired to serve me for a same day case at 2 different address one in nc which i hadnt lived at in four years well before the alleged debt took place. She gave a a phone number and case number i contacted the individual and they said that once the process server got to me they would immediately start a garnishment of 52 %. I made an arrangement out of fear that i wouldnt be able to provide for my family

Company response to consumer: Closed with explanation