BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a complaint against Resurgent/LVNV Funding before over this issue. However, The Original creditor has provided me with all documentation needed and new information has come to light. XXXX XXXX sent me Statements for 3 account. in actuality, It was only two account, but the third account links the first one that is held with Resurgent and the second one that is held with XXXX. ( I included the first 3 pages of each account. 

And I do remember now exactly what had happened. I stopped paying the account held with Resurgent over fraudulent charges and XXXX XXXX did not provide any help in resolving the matter, so I had the account closed and told I would still owe the balance, I only had the account opened for about 14 days. I later re-applied with XXXX  XXXX, but the only way to do that was to pay the original balance off I had with them, but since the first account was closed they created a 3rd account and initiated a balance transfer from the account XXXX XXXX sold to LVNV Funding LLC. and to the account that was sold to XXXX XXXX XXXX. 

If you put the first page of each Statement for all three accounts from oldest to newest. you will see the middle account was used to transferer the balance from the 1st to the second account. The debt Resurgent is attempting to collect on behalf of LVNV Funding is invalid. I understand that XXXX XXXX pulled a fast one on both of us. But you purchased the rights to a debt that never existed and I am in no way legally responsible for that.. 

I understand that you didn't have knowledge and could not have known. However, now you do know. So I request that LVNV Funding LLC immediately withdraw the debt, cease all collection efforts and remove in its entirety all reporting of this account to all three Credit Bureaus. Knowingly attempting to collect a debt not legally owed is violation of Federal, State and local law. and you are now made aware of the legality over the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following accounts have violated my rights. 

Account name : XXXX XXXX XXXX 
Account numberXXXX Open balance : {$450.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account numberXXXX Open balance : {$750.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX  XXXXXXXX Phone XXXX XXXX Account name : XXXX XXXX Account numberXXXX Open balance : {$330.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Phone : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 an accurate.

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 2022-05-19
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: Investigation took more than 30 days

Complaint:
The account is XXXX yrs old & inaccurate, I disputed this with XXXX XXXX XXXX, and they removed the account from my credit report, yet Experian continues to report it, the account is too old to be on my credit # XXXX, I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX letter or rebuttal include in files, the Bank explained that I had late pays or delinquencies, up to XX/XX/XXXX, THESE WERE THE FINAL PAYMENTS AND CLEANUP PAYMENT, AS OF XX/XX/XXXX THE LOAN WAS PAID IN FULL AND SHOULD HAVE BEEN CLOSED OUT,, I spoke to the bank and requested a list of loan payments, they reiterated that when they reach XXXX, as they go line by line of each yr of the loan, when they reach XXXX when the loan was paid off, I will have to wait until XXXX or XX/XX/XXXX to have the reported loan removed from my credit report on Experian, as I said prior, XXXX and XXXX removed this XXXX XXXX XXXX XXXX loan from my credit report after disputing the loan as being too old to be on my report, as the loan was opened as per files included on XX/XX/XXXX, both XXXX and XXXX have removed the XXXX bank XXXX  loan after I disputed it with them, but Experian and the XXXX XXXX Bank refuse to remove this until XXXX yrs from the last late charge in XXXX XX/XX/XXXX, the account was paid in full in XX/XX/XXXX, but it is still being reported into XXXX for no legal reason.

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 2021-08-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Servicer states the following on XX/XX/2021 communication to Borrower : " You previously indicated that you have been impacted by the COVID-19 pandemic. '' " The existing payment relief provided on your account is coming to an end. '' Borrower Concerns : Loan servicer is not providing date on when COVID-19 relief assistance is coming to and end. 
Loan servicer proceeding with foreclosure while payment relief due to COVID-19 pandemic is still active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: FC HoldCo LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: FIRST ADVANTAGE CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I had a back ground check done with my company on this report it is showing that I have in XXXX, AZ and XXXX, AL which I have not or ever plan on living in these two area. 
The XXXX, AZ is showing a XXXX XXXX  XXXX XXXX, AZ XXXX and the XXXX, AL is showing a XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When covid hit I lost my job as a XXXX, my husband was already out on XXXX from a XXXX XXXX  and with my mother moving in with me there were not many options ( she is a senior ) I applied for and was granted the pandemic relief - I finally got a job after about a year and wanted to start repaying my house. They refuse every modification and when I apply they do not even ask for paperwork, nothing. They Just deny it. 
I hired a lawyer to help me, they refuse to respond to him. My hands are tied they want the full XXXX  I am behind in full. They will accept no less. 
I saved up XXXX  an they still will not take it even though I am only technically behind {XXXX} in principal and interest. 
They want XXXX  to cover all fees etc.

I would love for them to help me and take a partial payment and allow me to catch up on the balance. They want to foreclose and sell it because of home values right now. They refuse to even consider a modification. 
Please help me! 
This is Mr.Cooper bank that used to be Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account has been incorrectly reported as 30 days late to the credit bureaus when payments have been received and posted on my account every month per their website. This information needs to be corrected to reflect on time and any late payments removed. This issue is affecting my credit worthiness and any future inquiries

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 2023-06-09
Company: Innovate Managed Holdings, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: AR
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 was in the process of purchasing my first car. I went to XXXX XXXX to pick out car I wanted. I had to get my credit pulled and I was shock when I was told I could still purchase the car, but I was going to have a really high interest rate due to several things on my credit I should of never had. There are several things on my report I never ever applied for and I am really upset with whatever the case maybe on my report. Please remove these things off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Better Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for the mortgage with Better Mortgage XXXX, Loan Number XXXX, and received the initial estimate that has lender credits of {$2200.00}. The appraisal came back to be 5 % less than the original estimated price which is very common due to the rising of home prices and the lender wanted to restructure my loan and asked me to choose from the current pricing instead of the rate that I had locked 20 days ago.

I had sent them the Regulation Z and 12 CFR 1026.19 ( e ) ( 3 ) ( i.e., a tolerance violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, I answered a phone call from Mr. XXXX. From Profit Services Group, XXXX Georgia. Mr. XXXX said I owed {$58.00} for a XXXX   from XXXX XXXX. I told him I would pay that. I ask if there were any other bills, they were from a accident, that has not been settled. He had three bills. I ask Mr. XXXX to send me the other bills, to make sure they were mind. Mr. XXXX told me the bills were {$130.00}. Said he had two addresses. On XX/XX/2019, I checked to see if Mr. XXXX paid the {$58.00}. Mr. XXXX took {$130.00} from my account without VALIDATION OF DEBT. 
I called Mr. XXXX on XX/XX/2019. To tell him, he DID NOT SEND me the bill 's he said I owed. And you took money from my account, you DID NOT have PERMISSION to do. Without Validation of Debt. 
Mr. XXXX still has not sent me proper prove of Validation Of Debt. 
I gave him permission to pay {$58.00}. Not {$130.00}. The bills I have found do not equal {$130.00}. The bills were only {$120.00}. The bottom line is, this is stealing money from my account without permission. 
Mr. XXXX said our message was recorded. I told him twice. You are gon na take {$58.00} from my account and send me the other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: AR
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-05-19
Company: Synovus Bank
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I noticed that my cellular device lost service. I notified my phone company and they fixed the issue on the XXXX of XXXX. On the XXXX of XXXX I experienced the same issue. I contacted the phone company the same way I did on the XXXX. The phone company notified me that I should change sim cards to ensure security. The following day XXXX XXXX ) I logged into my bank account and saw XXXX XXXX dollars had been drawn from my account via a XXXX transaction. I notified my bank and filed a dispute. I also filed a police report on the XXXX. I contacted my bank numerous times throughout this process and was given " the run around ''. The bank failed to notify me on any sort of update throughout this process. On XX/XX/XXXX I received a letter in the mail stating the " transaction was valid ''. I appealed the decision on the XXXX and have not heard an update. I have tried to contact the dispute department and request the documentation they used to determine that the " transaction was valid ''. I have also requested that the supervisor contact me to provide documentation " proving these transactions were valid. I have not received this information and no one has reached out to me. I am now seeking professional help to get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: UT
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 writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: LA
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 submitting this CFPB complaint in regards to the removal of the fraudulent accounts and information completely from my Credit File. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and or remove these files : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} - XXXX XXXX XXXX  XXXX Date opened XXXX XXXX, XXXX Balance {$670.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance {$800.00} Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an XXXX report with an account and inquiries I did not authorize

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