BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A certified letter was mailed to XXXX on XX/XX/23 to validate this alleged debt ( letter is attached ). XXXX has responded with only copies of statements. According to consumer credit laws this DOES NOT validate a debt. XXXX is NOT the original creditor and I have NEVER done business with this company. I have not seen a contract with my wet signature. Please provide the proper documentation to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 2020-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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 A Account Type : Collection Account : # XXXX XXXX  Date Opened : XX/XX/2017 I have no known knowledge of this account. I have sent letters to this company so that we can resolve this dispute. I have sent several letters to this company requesting for Original Signed Contracts as proof that this account belongs to me. I have not received anything to my email associated with the requested proof. 

I am seeking further investigation for this matter. This company has failed to comply with supporting documents that proves this account via email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSWORLD SYSTEMS INC
State: AK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was struggling with my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) student loans ( XXXX XXXX  loans for {$8500.00} each for college. ) and unfortunately, used my XXXX time deferment previously. Every time I call and ask what my options are, they say there is nothing they can do.I received a letter dated XX/XX/2022 saying that XXXX will consider wage garnishment and I may dispute the decision and have 60 days from the date of the letter. ( Payoff amount : {$24000.00} ). A day later, I receive a letter from XXXX XXXX XXXX dated XX/XX/2022, stating that they are a debt collector attempting to collect on my student loans and their number is {$28000.00}. How can they say I have 60 days to respond but have already transferred the debt over to a collection company who has tacked on {$4600.00} 3 days prior? Any help on this issue would be greatly appreciated seeing as how Im just struggling to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This company is reporting stuff that I did not do.

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 2022-05-17
Company: BANCO POPULAR DE PUERTO RICO
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 still appear on an account that is not mine XXXX  court papers that i already send it to XXXX XXXX and XXXX and they dont read that after 30 days of my divorce the house belongs to my ex wife and they still putting the house on my credit reports and im having problems to get another house beacuse of thet .Im tire of sending the courts papers and nobody cares can u help me? Thanks in advance the only company that work on my case and clear everything are XXXX and im greatfull to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Near the end of XXXX, I reached out to Shellpoint Mortgage Servicing to inquire about mortgage payment options on our personal home since we rely on income from our two rental properties. It was possible, in the near future, that our tenants may have difficulty paying rent and we wanted to know our options. I called the main phone number and reached a customer service representative. I was told that Shellpoint could not give me any options unless I filled out the online form. I filled out the form and waited for a response. Over the next few days I completed more research and realized that forbearance only put off the payments until the end of the forbearance period. This type of plan would not help me. I decided to not pursue any mortgage options through Shellpoint.

To my surprise, I received a letter from Shellpoint dated XX/XX/2020 stating that we were enrolled in the forbearance plan. I did not agree to that. On XX/XX/2020 I called my point of contact, but I could not get through and the mailbox was full. I called again on XX/XX/2020, XX/XX/2020 and XX/XX/2020 to get the forbearance cancelled and the automatic payments started again. 
This, in it itself, wouldn't have been such a problem except that I was going through a refinance of my personal home at the same time. The new lender saw the " affected by natural disaster '' on my credit report and required additional documentation, assurances and time to evaluate. This credit report verbiage is code for Covid-19-related issues and the new lender was concerned about our ability to repay the loan. That verbiage should never have been on our credit reports and has resulted in payments of {$5100.00} in loan lock extension fees. 
I'm including XXXX documents. The first XXXX is the original loan estimate for the new mortgage loan on our personal home. It shows the lender credits as {$10000.00}. The second document is the closing disclosure showing the lender credits as {$5300.00}. The difference in lender credits is due to loan lock extension fees. The third document is a letter I wrote to the new lender explaining why our XXXX loan was erroneously placed into forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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

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 2022-05-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business angieolshope since XXXX. My PayPal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I Will get back my account and able to Withdraw My funds. Thank you and godbless. 

For identification, I attached my valid ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 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 2021-04-27
Company: EQUIFAX, INC.
State: FL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Resurgent Capital Services L.P.
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:
LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 
Balance details 0 % paid off Balance {$490.00} Balance updated XX/XX/2023 Original balance {$490.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Debt Buyer Status Collection account. {$490.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Payment summary 2023 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name LVNV FUNDING LLC Address XXXX XXXX XXXX  XXXX, SC XXXX Phone number ( XXXX ) XXXX The original account with credit XXXX bank was disputed closed and Account removed from my credit report a few weeks later this collection company pops up seeking sane debt that was disputed as fraud. I want this company removed from all three credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Delete this account. 


5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Issues with XXXX and Furnisher lack of cooperation in the production requested in support of the verified and ACCURATE reporting to the TransUnion. Dispute my efforts of disputing directly with furnisher and failed attempts to obtain accurate reporting in trade line seeking your assistance with the enforcement of the violations committed against my consumer rights to accurate, complete, errors free reporting in my credit report. 
I have exhausted all ways of communications with furnisher, no response, giving me the run around. Most recently, exhibits attached spent over an hour on the phone with a representative from XXXX, who forced to provide my full social security # after providing the full account #. Moreover, limited and untrained, unqualified points of contacts located in XXXX and limited information from employees working from home, useless escaltions of my issue with no results. The last written correspondence sent via cert mail, was signed by an employee who is no where under the directory of the company. Last week, contacted TransUnion directly and was advised that if the furnisher does not the information then they put X because they can not verified. 
Lack of cooperation from both parties. Both companies operating in concert violating my consumers rights to fair reporting.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to file a formal complaint regarding the persistent reporting of late open accounts on my credit report, which is maintained by 3 Credit Bureaus. Despite repeated attempts to correct this inaccuracy, these late open accounts continue to adversely impact my credit history and financial standing.

I have diligently followed the necessary procedures to dispute these inaccuracies with your bureau and have provided all required documentation to support the veracity of my claims. However, to my frustration, these late open accounts persist on my credit report, causing me undue hardship. 

I have taken the following steps in an effort to address this issue : I have contacted the creditors associated with these late open accounts to dispute the inaccuracies and request their removal from my credit report. Unfortunately, my efforts have not resulted in a correction. 

I have submitted written disputes through your bureau, attaching all relevant documentation to substantiate the inaccuracy of these late open accounts. 
The presence of these late open accounts on my credit report has a detrimental effect on my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit report.

I kindly request the following actions to address this issue : Conduct a thorough investigation into the late open accounts erroneously reported on my credit file, verifying their accuracy and timeliness.

Coordinate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of these accounts. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. 

I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct the following late open accounts XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-25
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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/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 2022-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Someone else is using my email address that Ive had for over 20 years. 
XXXX Her name is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX This is the information that shows up on my credit report, and the reason I can no longer access my email address. I have previously had my identity stolen and I would like to get this situation rectified ASAP I can be contacted at XXXX Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is my second dispute with the Credit Bureaus, Fraudsters opened a XXXX XXXX  account that I had yall close for me. Now I ask that the account be DELETED FROM My Credit Report AS I REQUESTED. 
I am a victim of Identity Theft. My information was Compromised during XXXX 's XXXX XXXX. 
Included I have added screenshots and also my Data Breach Claim Number. For the fraudulently accounts that where opened in my name. 

I have never opened Nor Used XXXX XXXX  and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I upgraded blue cash everyday card to blue cash preferred card with promotion of get {$150.00} statement credit after spending {$1000.00} within first 6 months on XXXX XXXX, XXXX. I upgraded the card through a link from the promotional email from American Express. I did spend more than {$1000.00} within 6 months, however, they didnt give me {$150.00} credit. I called them almost ten times, from last year till now. At the beginning they said the promotion is {$150.00} credit with {$1000.00} spending within 3 months! I said I keep the email and I could show you. They said theyll investigate this, probably within 10 or 14 business days. I waited but no solution. Then I called again, they said open inquiry and still no solution. And everyone said differently.

Company response to consumer: Closed with explanation