BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-02-04
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Show that I had late payment when it's actually not true since I paid off the account it's impossible to have any proof that I did miss payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX two loan payments for the same amount were initiated on my account in error. As a result both payments were returned insufficient funds. I contacted my loan servicer Nationstar Mortgage and they told me to go ahead and make my payment through another checking account, which I did. As far as I know, my account was then current. On XXXX XXXX, XXXX my loan modification which was originally done in XXXX XXXX was reversed as a result of the NSF on my account which was not my fault. I am now, not able to make payments via online and the principal reduction and reduced interest rate on my mortgage has been reversed. Additionally, there has been negative credit reporting on my account. 
I have spoken to a total of 11 people regarding this matter since the issue began on XXXX XXXX, XXXX to no avail. Everyone says that the loan will be rebooked eventually however it has not happened. The negative credit reporting has caused me to not be approved for a parent loan for my daughter 's college education. This is causing me much stress and I would like it resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax credit report is showing a XXXX XXXX XXXX negative account on my credit report as active because the XXXX XXXX XXXX posed as me Fraudulently to make a payment on my behalf to reactivate an old account that was closed XX/XX/XXXX, my XXXX credit report shows XXXX XXXX XXXX which got sold to XXXX in XXXX, XXXX XXXX shows deleted on XX/XX/XXXX from my XXXX paper copy that got sent to me on XX/XX/XXXX This negative account needs to be immediately deleted from all credit reports because this is a violation of the fair credit reporting Act showing Duplicate accounts under the same company under different names, addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am not liable for this debt with XXXX XXXX  for {$640.00}. I do not have a contract with XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2023-04-17
Company: ENCORE CAPITAL GROUP INC.
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: Account information incorrect

Complaint:
To whom it may concern, Midland Credit Management is Reporting Inaccurate and Incorrect information on my Credit Report. XXXXXXXX XXXX Claimed The Tradeline has been Deleted but MIDLAND CREDIT MANAGEMENT Has Furnished an Inquiry on my Credit Report without Verify it as Usual. I do not have any Contractual Agreement with Midland Credit Management or any written Agreement with them whatsoever. I need that XXXXXXXX XXXX Account Deleted from My Credit Report and a Letter sent to me and All Credit Reporting agencies stating so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXI 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 2023-04-17
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
The American Express account # XXXX is reporting incorrectly to XXXX. XXXX claims to have verified the information in XXXX of XXXX. The account in question first reported delinquent in XXXX. The other XXXX bureaus ( XXXX and XXXX ) have since removed this account from my credit report due to the account being reported negatively for XXXX years. Each company removed the item in XXXX of XXXX or prior. I am requesting that XXXX remove this item immediately from their consumer report containing my information. XXXX is in violation of the FCRA laws. According to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 

I am requesting that they remove the negative account immediately from my consumer report furnished by them to match the other consumer reporting agencies which show the correct information. I don't understand how XXXX can have access to the SAME information furnished by the original creditor but provide a different outcome that is completely against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: BANK OF THE WEST
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was sent a credit card from Bank of the West. 
It is supposed to have 3 % cash back and a XXXX dollar bonus if i use XXXX in 90 days I am unable to get or even see any of these benefits because they wont let me open an " online account '' to manage my credit card several days of trying and hours with there customer service on the phone gets me the answer that " my account needs to be verified. They will let me know when that happens '' along with long hold times and switching reps to start over with and being hung up on. 

Since the credit card already works, I can not imagine what it is that needs to be " verified '' neither does anyone at the company that I can speak to on the phone.

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 2021-07-10
Company: Ability Recovery Services, LLC
State: PA
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 received a robo / spam call on XX/XX/2021. I called the number back, spoke to XXXX at Ability Recovery Services on XX/XX/2021 at XXXX pm and had the following conversation regarding the following collection account being reported by your Company to the Credit Reporting Agencies. In my conversation with XXXX, which she said was recorded, we talked about an account you are reporting on my Credit Report regarding the aforementioned account. I old her I do not know who she was and the alleged account is disputed in its entirety. 

XXXX told me to pay it in full or Ability Recovery Services will report and continue to report the account to the Credit Reporting Agencies even though the account is disputed in its entirety. No address or contact information was given to me to contact the original creditor other that the name of a hospital. I was not given any further assistance in resolving this matter by XXXX. When I explained to her my only other alternative was to file a complaint in court, serve your company, the hospital and the Doctor and she told me to go ahead. She also laughed and said go look at your credit report. 

I have contacted the Original Creditor by phone and they do not have any records they can forward me. 

The XXXX Practices of Ability Recovery Services use intimidation, threats and causes intentional damage to consumers like me in order to collect monies they do not even know are owed.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX 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 2023-10-12
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently Filed a complaint # XXXX. I received a letter stating it was closed suggesting that someone filed it in my name which is not the case. I was the one who filed the case and I am filing another complaint as I am the person in the document. my name is XXXX XXXX XXXX XXXX, my email address is XXXX and my address is XXXX XXXX, XXXX MI XXXX. My Phone number is XXXX if you need to contact me. 

On or around XX/XX/2022, I received a notice of a lawsuit against me taped to my front door, from a foreign group of people, XXXX XXXX XXXX XXXX. Attorneys for LVNV Funding LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was the first formal contact and I have no knowledge of this group, nor do I recall entering a contract with said group. They are requesting payment of an old debt that, to my knowledge, no longer exists. They claim I owe the original creditor ( XXXX XXXX XXXX  ) who, by lack of evidence shows no debt owed! All XXXX has is an old billing statement. Pursuant to [ XXXX XXXX. XXXX ] I will need the Plaintiff to Validate the debt. This includes but is not limited to, producing the original contract with XXXX XXXX XXXX containing my wet ink signature, that shows we have a legally binding agreement to do business, ( i.e. MHC Receivable 's through LVNV FUNDING LLC 's involvement in the ORIGINAL contract with XXXX XXXX XXXX  ), along with all the accounting associated with the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: ID Analytics, 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:
This is my complaint to Sagestream. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 
My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Trans Union, XXXX and XXXX are all listing incorrect information on their sites ( and XXXX XXXX ) picks it up and lists this information on its site. 

Specifically : 1. they are listing my account with XXXXXXXX XXXX  as closed, when it should state " Paid In Full ''. 
2. They are listing I owes XXXX XXXX {$39.00}, XXXX unpaid money. This is incorrect and I have contested and sent collaborating evidence, yet they continue to list this. 
3. I am also listed as having XXXX credit cards. In the past I had approximately XXXX credit cards total and presently only XXXX. 

Finally, every time I contest the erroneous information they use these old accounts as a reason to drop my credit score. Also every time I use my credit card, even though I pay the balance off edarly - prior to the due date, they drop my credit score. 

They are doing this to get me to buy in to their services, i.e. applying for credit cards they advertise and support on their sites. Since I told them that I was not interested in their products they have continuously dropped my credit score while continuing to bombard me with requests/emails to buy their products. 

They are causing me to lose financial opportunities and are crushing any chances I have of applying for a home, apply for bonding and most importantly, trying to break my spirit. 

I just checked again to day and they dropped my credit score again. I need your help to make this stop. 

I have backup information for XXXX and XXXX if you wish to have them. 

Thank you for your time and effort.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX OPENED XX/XX/2021 AMOUNT {$190.00} I contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any itemized bill, I am asking for contracted with my signature that stated I have done business with this company.

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 2019-08-05
Company: MIDFIRST BANK
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XX/XX/XXXX. One Month later the bank transferred my loan to XXXX XXXX and they increased my payment to XXXX from XXXX. I'm on a fixed income and this was a shock however I paid it. In XX/XX/XXXX, I was notified by XXXX that XXXX hadn't paid the house Insurance and if I wanted to keep my car and house Insurance, I would need to make a XXXX payment for XX/XX/XXXX. At the same time, XXXX sent a statement to me that I would need to pay XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in order to offset a deficit in the escrow. Being on a fixed income I had NO WAY to pay both XXXX and XXXX in the same month. I couldn't didn't have that much coming in. I started looking for a part time position to help supplement my income. 

I paid XXXX for XX/XX/XXXX. Kept my house and car Insurance. In XX/XX/XXXX, I contacted an Arkansas Credit Counselor in which she helped me try to straighten out what was going on with XXXX XXXX and why XXXX wasn't getting paid. After 2 weeks of calls with both her and I on the phone with AmeriHome we find out that 2 (  twice ) XXXX had sent XXXX a check to pay for the Insurance however without my Account number on it!! So each time it was returned. Because of XXXX demands that I pay XXXX for 3 months due to their error, it went unpaid due to lack of funds. 

Midland Mortgage took over my account and I also took in a roommate to help with that note. I had XXXX  XXXX in late XX/XX/XXXX which didn't help matters. 

I began to pay the XXXX. After those 3 payments were past, I began paying the XXXX a month payments while being considered for a FHA Home Affordable Modification loan. I kept my payments coming in. 

In XX/XX/XXXX, I was notified that my application was approved. And payments of XXXX would need to be made from that point on til XX/XX/XXXX. Which I completed. 

I was notified in XX/XX/XXXX that I was approved for the FHA Affordable Modification Loan Program to be effective XX/XX/XXXX. Payments of XXXX. All would be caught up and a zero negative balance. 

XX/XX/XXXX and XX/XX/XXXX are paid. My credit report should reflect this. 

My Credit report states that I did not make my mortgage payments at all. Lord knows I did. I need to have this credit showing. 

I have included all of my receipts for the payments that I made. I realize that I was behind from not paying XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX however with Midland Mortgages help I was able to get back on my feet again. One does not set out to purchase a home to just lose it a year later. 

Thank you for your time. God Bless

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 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief