BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I reached out to a company, Portfolio Recovery Associatess about a debt on my credit report in the amount of {$1900.00} they claimed to have purchased from XXXX XXXX. I was sent a letter recently stating that the account was opened around XXXX of XXXX and sold to Portfolio Recovery on XX/XX/XXXX. A representative I spoke with today stated they had the account since XX/XX/XXXX. I have two different credit card amounts giving from both companies and an address where I never resided at, they stated they have on record at the time the account was opened. I never had a major credit card that I owned and I explained that to Portfolio Recovery. I also explained that I filled out a fraud package with XXXX XXXX over five years ago and they removed it off my credit then later sold the account and the debt was put back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The company refuses to remove negative and inaccurate information from 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 explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I obtained a title installment loan from XXXX in XXXX and paid the loan off in XXXX. I contacted XXXX in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.

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 2021-04-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IM NOT UNDERSTANDING WHY MY COMPLAINTS KEEP GETTING IGNORED. ALSO I WOULD LIKE TO UNDERSTAND HOW SOMEONE IS STILL ABLE TO APPLY FOR ANYTHING IN MY NAME WHEN I HAVE A FREEZE ON MY XXXX REPORT PLEASE REMOVE THESE HARD INQUIRIES AND COLLECTION ACCOUNT FROM MY CREDIT REPORT 

names
XXXX XXXX
address
XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX TN XXXX 

INQUIRIES 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: First Technology Federal Credit Union
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone was able to open an account using all my information with First Tech Federal Credit Union. They used this account to wire money out of my XXXX account into this other account. I spoke to First Tech myself and they are doing an investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I discovered there were billing issues with XXXX merchants. Customer service assured me the balance would receive a credit and my new invoice would reflect that change- This did n't happen and I was erroneous reported late. This needs to be reversed and corrected.

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 2016-02-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted several disputes including Ftc.gov Fraud Affidavit to Equifax. I recently sent them a Fraud Affidavit along with a police report with regards to the XXXX XXXX XXXX - Acct # XXXX. I received a response from Equifax stating that they verified account and the item belongs to me. This account do not belong to me. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report shows payments were missed for over 90 days when this loan was paid off months before that. I have disputed this and nothing has been done thru equifax. On the other hand XXXX has fixed my situation. How is it possible to show a credit of over XXXX with one company but then show XXXX with the other. Not sure what else to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The Auto purchased XXXX XXXX XXXX is re- listed as closed derogatory .A payment was late as I was in hospital several days having my baby ( Born : XXXX XXXX XXXX This company refused payment XXXX times after the event and closed the account on XXXX XXXX XXXX .Last listed payment was XXXX XXXX .I was informed the car would be impounded and I was not allowed to pay for it, I was however allowed time to go purchase another car prior to impound -which I did-and which I still use today .The impounded car with a total of XXXX paid and XXXX in new snow tires- I was told had been auctioned for an unknown amount.The original loan amount was XXXX with payments at XXXX XXXX monthly-I am then told I owe XXXX on a car I do not have and was not allowed to pay for when I did have it.Now ,XXXX years latter this has been taken off my credit and then put back on as of XXXX XXXX the 6 year RCW XXXX .How can this be listed twice restarting the impact to my credit score?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason they holding my money which I really need.And would not help me getting it back up and going Im not sure if this is a mistake as I assume it has to be I have not been able to get help from them for days calling holding hours on phone, This has greatly affected my business during this Covid time. I would really appreciate if you guys can help My email for PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The servicing company for my mortgage has added to the principal balance due. As of this date, the balance should be {$300000.00}. Seterus is adding " fees '' to the principal balance without my knowledge and without providing me any means of challenging this. Seterus is indicating to me that my outstanding balance is {$300000.00}, a difference of about {$1300.00}. It may seem like a small amount. I have been paying, approximately, {$1700.00} a month, every month since XXXX, 2006, on an original principal amount of {$300000.00}. ( That 's {$180000.00} paid on an original {$300000.00} loan. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with Equifax and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed several times several public records listed on my personal credit file with Equifax. There are inaccurate remarks and even duplication 's. I ca n't get anywhere with this agency. Please help as they are listing # XXXX tax lien for {$80000.00}, # XXXX tax lien again for {$80000.00}, # XXXX {$1700.00} and # XXXX tax lien XXXX I do not owe any tax liens and these are a mistakes listed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Harvard Collections, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has deliberately " re-aged '' XXXX of my old credit accounts ( # XXXX and # XXXX ) and illegally continues reporting adverse information on those accounts, causing the negative credit listing to remain on my credit report longer than allowed by federal law. 
Previously, Equifax was reporting the First Delinquency date of XX/XX/XXXX ( as clearly shown in earlier credit reports from this company ). However, Equifax later illegally changed that date to XX/XX/XXXX in my credit file, which is in violation of the Fair Credit Reporting Act ( FCRA ). Equifax also failed to remove the adverse information from my credit file, as required by FCRA ( 7-year reporting limit ). The continuous reporting of the incorrect information beyond the legally allowed timeframe also unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX ran a credit check without my permission. I noticed this on my credit report so I disputed it and they claim it was accurate or " factual '' I had contacted XXXX XXXX XXXX last year when I noticed this on my report and they claimed that they never had an account or anything set up using my social security number or name. I did a search online and it seems like this is a fairly common practice with XXXX XXXX XXXX when individuals turn XXXX or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have mailed copies of my DL and Court documents via US MAIL and no response I have uploaded my documents to their site and no response I have faxed my documents to them and no response on the update of my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I submitted the request for all XXXX reports at annualcreditreport.com, but when I clicked to get the first report, Equifax said there was a system error. When you click on the return button, it takes you to Equifax.com, where they offer to see you your report, but there was no way to return to annualcreditreport.com, to be able to get the other XXXX reports. I eventually tried to go back, but the system would n't bring me back to a place to request the other XXXX reports. I now have to use another method to get access to my XXXX reports, instead of the online, faster at. Very disappointing, and it seems like they want to make you purchase your reports, instead of allowing you rightful access to the free reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im currently working with a financial advisor in order to repair my credit. I saved up for months to be able to pay the debt and was under the impression it was already removed from my credit report considering I no longer owe them with that said the account is still reporting on my credit report and affecting me negatively despite all of my efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a debt validation letter on XX/XX/2021 and LJ Ross Assoicates failed to validate my debt. Instead on XX/XX/2021 they sent me a list of my medical records, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my medical information. Please delete this information from my credit file and cease all collections and activities immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans qualify for PSLF under the Temporary Waiver, with my ECF approved in the spring. XXXX was my servicer and I was transferred to MOHELA in early XXXX. On XX/XX/XXXX, after no change in status, I called and spoke with a MOHELA supervisor who advised that the transfer process and having my loans discharged could take up to 90 days. On XX/XX/XXXX I contacted MOHELA again to ensure that they didn't need anything else from me and they confirmed they had my PSLF form, my ECF form, and that it is a process that could take up to 90 days. It has now been just over 100 days since MOHELA said it could take 90 days, which itself was nearly 30 days after the initial transfer. My loans have not been discharged. Both MOHELA and Studentaid.gov systems concur that I have XXXX qualifying months and am eligible for PSLF. I began a complaint case with XXXX on XX/XX/XXXX and have received no followup or contact as a result ; and there is no provided means through which to escalate to the Ombudsman. MOHELA 's service and processes are slow and inadequate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Experian report contains several SSN variants that do NOT belong to me. I have one SSN which should appear on my report, a copy of which is attached. All other numbers must be removed as they are not mine and are causing adverse action in credit decisions affecting me. Only my VALID SSN should be listed on the report. All other information is INVALID and causing me financial harm. I attaching my drivers license to prove my address and a copy of my ORIGINAL and OFFICIAL SSN card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing hard inquires on my credit report because this is fraud and does not belong to me. 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 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 2015-05-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX. On XXXX XXXX, XXXX, I was declared permanently XXXX XXXX XXXX XXXX XXXX of XXXX, and medically-mandated to stop working permanently. This meant I would no longer receive a paycheck, thus could no longer afford financial obligations I could afford while working. I contacted my creditors, including XXXX XXXX. I advised XXXX that with I must Voluntarily Surrender my vehicle. With no salary, I could no longer continue my approximately $ XXXX auto payments. I carefully and diplomatically arranged a time and place to return the vehicle, and had it Voluntarily Surrendered at a designated XXXX dealership. Not until XXXX XXXX, XXXX, when I tried to rent an apartment, did I learn that XXXX XXXX had reported this Voluntary Surrender as something else - a Repossession - to XXXX, Experian and XXXX. I called XXXX XXXX and was told by an agent that " XXXX considers a Voluntary Surrender and a Repo the same thing ''. This inaccurate reporting by XXXX of a " Repo '' of the XXXX XXXX violates The Fair Credit Reporting Act. ( Subpart E of Regulation V, 12 C.F.R. SS 1022.42 ( a ), the implementing regulation of the Fair Credit Reporting Act, 15 U.S.C. SS 1681, et seq ( FCRA ). Firstly, they are not the same in any circumstance. I had no ill intent, and most strongly, I had no choice, as XXXX and the inability to work were not my choices. I believe XXXX 's irresponsible wording may amount to XXXX Discrimination, as were the harassing phone calls, " It 's not XXXX 's fault you 're sick! '' and XXXX 's law suit against me. Because of this misreporting, my credit score dropped from its usual XXXX to a ( last-heard ) XXXX. I subsist on XXXX XXXX income, which is protected from garnishment. I have been unable to rent an apartment and have been homeless since XXXX XXXX, XXXX. I have no documents available to me to attach, as my belongings are in storage. I would invite XXXX to show any evidence whatsoever of a " Repo ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I had XXXX late payment to XXXX XXXX Bank in XX/XX/XXXX. Since then II have not had a late payment. I have had the card since XX/XX/XXXX. I did not havehave a late payment prior to XX/XX/XXXX. They put this account in the " con-sidered negative '' category and refuse to remove it from that categoryuntil XX/XX/XXXX. .7 years of punishment for XXXX late payment. I contacted thebank and they said that they did not request the negative assessment. Icontacted the reporting agency and they refuse to adjust the time line. 
The punishment is onerous and unfair and I am unable to find a way toremove the negative connotation. I am not saying that I was not late thatone time -- I am not arguing about the validity of the " lateness '' but I amupset that I can not get the account re-classified. 7 years is way toolong to be punished for XXXX late payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am an employee that was affected by the 2015 OPM background investigation breach. I have tried to sign up for credit monitoring services provided by the Government through an agency called XXXX. When I tried to sign up for my account, I was advised by the customer representative that creditor Experian has incorrect information about me in my credit report and that my account can not be opened until this error is fixed. It was not clear to me exactly what this error is, but the customer representative for XXXX mentioned something about my Social Security Number being too similiar to another individual 's. 

I have tried to obtain my free credit report through the official website and also tried calling Experian customer service to resolve this, but they are always telling me to mail them at their address with money enclosed to pay for my credit report. Since I am not responsible for this error, I do not believe I should pay any money to get this resolved.

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