BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The dept. collector by fraud and scam got access to my personal record such my social security and date of birth, I discovered that tonight when I was review my annual credit report. I have never called or spoke with that collector or any of their agents anywhere previously, I do not even know their phone number before until I found their information on my credit report showed medical billing collection. I have XXXX government insurance and before that state health insurance, I never ever have any issue with medical. THE MOST IMPORTANT MATTER IS I NEVER RELEASE MY SOCIAL SECURITY TO ANY DOCTOR OR HOSPITAL OR ANY MEDICAL PLACE, I JUST PROVIDE MY DATE OF BIRTH ONLY! THEN HOW THAT COLLECTEOR GOT TO MY SOCIAL SECURITY?. the insurance company are not allowed by law to provide patients or consumer personal or medical information to collectors unless if the have dairy business together. I am seeking your protection to my identity and force that collector to explain how their fraud case has been built without me releasing my personal information to that collector or his doctor or so ever involved in that fraud case. 
please do what you can to help me got this issue investigated HOW THEY RECEIVE MY PERSONAL INFORMATION IF I DID NOT GIVE IT TO THEM. 
the following is what It was on my credit report : XXXX XXXX XXXX # XXXX ( XXXX ) XXXX Individual XXXX {$880.00} {$880.00} {$880.00} $ XXXX monthly XXXX Collection XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX  Dispute indicated for Applicant XXXX XXXX XXXX  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: RSVP Lending, LLC dba RSVP Loans
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The RSVP I took this out on or about XX/XX/2018 in the amount of {$3000.00}. Before my hardship, I paid your firm faithfully {$230.00} bi-weekly. I called to see if they could help me before I defaulted on my loan. NO remedy besides you can make partial payment but then you have to pay the upcoming installment payment. I can no longer make that payment. I tried negotiating a payment plan, but their offer was unreasonable. They told me that they couldn't apply the payments I made to date to my balance and their payment plan was you have to pay initial payment of {$230.00} and then the remaining balance in 2 weeks. Also the rep stated she could see if they could extended until 30 days. I told her I'm unable to pay that. The amount principle that was applied each time to my loan was approximately 18.00.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Aldous & Associates, PLLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aldous and Associates contacted me about a gym membership account that was not owned by me. Someone stole my basic information ( name, birthday, email ) and opened an account under my name. They used an address that was not mine, and a credit card that was not mine and had their name on it. The signature on the gym membership agreement is also clearly forged. I contacted XXXX XXXX XXXX, but they had already sold the contract to Aldous and Associates. I have tried numerous times to contact Aldous and Associates and they have not answered or returned calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me every single day before XXXX and at night around XXXX to XXXX XXXX, they call from severa numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that I have requested validation of an item reported to you by XXXX XXXX I have received a response that it is in violation of my rights according to XXXX. 

XXXX XXXX did not provide me a XXXX signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my XXXX rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. Which is XXXX days from this notice I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A few years ago I was a victim of identity theft. I was able to freeze my credit with all three agencies, but somehow, XXXX XXXX my calling them and telling them the credit inquiries constituted fraudopened an account for the thieves anyway. I learned this in XX/XX/2019 when collection agency accounts started appearing on my credit reports. I have disputed the accounts with the collection agencies and they understand that this is a case of fraud. But despite at least half a dozen calls to Experian, I can not get the latest one removed from my accountand now they have included the thieves ' address as one of my mine.

The problem is that Experian 's website never works properly and never allows to handle anything onlineeven after they send me emails telling me to check the results online. I get constant error messages. Then I call the company and wait 45 minutes to an hour each time. Inevitably, as soon as I describe the problem, I'm told I have to be transferred to another department and put on hold again, for another 30-46 minutes. Twice, I've asked to be transferred to a supervisor ( once because the representative had the gall to ask if I was really disputing something ), and after waiting 15 minutes more on hold, have been told each time that there were no supervisors available and someone would call me. No one ever did. 

The incompetence, the constant technical problems, the complete lack of empathy and the repeated mistakes are absolutely outrageous and unacceptable in an agency that's supposed to be " helping '' the public. All they want to do is sell their " protection '' productwhich I wouldn't trust for a second. 

I still have a collections account and a thief 's address on my credit report and no way to get rid of them.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: MS
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:
I have sent letters out to the three credit reporting bureaus on dates XX/XX/2022, XX/XX/2022, and XX/XX/2022 regarding the verification on the accounts that are reporting negatively on my credit report. To this date I have not received the documents that I requested via mail that were used to verify the account. After various letters, the credit bureaus refuse to remove or correct this inaccurate information on my credit report. Here are a few items I attempted to correct with the credit bureaus but have not been resolved. 

XXXXXXXX XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : This account is not reporting correctly across all three bureaus. The account status is showing two separate statuses. The date that the account was opened is also showing inaccuracies. The high credit balance is showing different. The credit limit on the account is inaccurate. The payment status is not reflecting the same across the bureaus. 

XXXX FIRST : This account is not reporting correctly according to the FCRA. The date the account was opened is incorrect. The high credit balance is showing differently across all three bureaus. The date of last payment is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date on the account was opened is incorrect. 

XXXX  XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. 

XXXX XXXX : This account is not reporting accurately according to the FCRA. The date that this account was opened is incorrect. The balance of the account is incorrect across all three bureaus. 

The Bureaus : This account is not reporting accurately. The date opened is incorrect across the bureaus. The balance on the account is reporting incorrectly. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect. 

XXXX XXXX :  This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. The balance of the account is incorrect.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or Any other adverse item of information, other than 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 inaccurate.

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 2017-04-20
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a complaint on file submission number  XXXX  against Nationstar Mortgage and  XXXX    XXXX   XXXX   XXXX . My property address is  XXXX   XXXX   XXXX   XXXX , TN  XXXX . Nationstar Mortgage received a certified copy of my complaint on  XXXX   XXXX ,   XXXX   and  XXXX    XXXX   XXXX   XXXX  received a certified copy of my complaint on  XXXX   XXXX ,   XXXX  . Neither provided any written response to my documented complaints. Today  XXXX   XXXX ,   XXXX   I discovered that  XXXX   XXXX   XXXX   XXXX   has filed trustee 's deed paperwork in the Tennessee  register of d eeds office   XXXX   XXXX   XXXX   dated  XXXX   XXXX ,   XXXX   suggesting that they have foreclosed on my property and that the property has been sold to  XXXX   XXXX  -BACKED PASS -THROUGH CERTIFICATES   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  AS TRUSTEE for {$72000.00} as the highest and best bid offered and deed of trust transferred to the same. They allege that said sale was postponed until  XXXX   XXXX ,   XXXX   and I received no written notification or other correspondence from  XXXX   XXXX   XXXX    XXXX  n or Nationstar  that there would be a foreclosure sale on that date. They have committed fraud and conversion against me and used deceptive tactics in an attempt to rob me of my home. I further do not believe that there was a legal, public, foreclosure sale held in reference to  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I have not voluntarily granted the deed to my home to any entity and I have received no correspondence addressing my previous complaints, nor indicating that any deed transfer would take place on  XXXX   XXXX ,   XXXX  . Their actions are malicious, deceptive, and violate the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I just recently filed a complaint against  XXXX  Serviced by Nationstar Mortga ge LLC,  a sub-servicer for  XXXX   XXXX  Number  XXXX  I have tried to speak with these individuals, but they are very rude and refuse to give me any assistance. I am afraid to answer my phone now. However, I have still managed to contribute to the delinquent payments regarding my mortgage. Please help.     Please note this is the address I have been sending payments, too.   Nationstar  XXXX .  XXXX   XXXX   XXXX , TX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021 to current for XXXX this was for a credit card bill max XXXX before went to collections paid off all but XXXX went to collections for XXXX the collection agency says i never paid off down to XXXX sent them proof and then they refused to further collect so another co took over did say came after for XXXX i submitted all my bank statements over and over and they said who cares i told them this is fraud i do not owe this money you have me in collections for i paid i only owe XXXX they still said who cares nothing we can do pay XXXX or not removing i have proof of hundreds emails i sent to first collection agency who stop it cause they knew i didn't owe it was fraud on my reports collections i do not owe then this company that has many lawsuits against them took over and still trying to come after me amount i do not owe and submitted proof do not owe they finally removed from my XXXX but still on XXXX and XXXX causing me issues getting denied rental applications for money i do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: NC
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My identity was stolen abd used to open checking account now Im on Chexsystem

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Have uploaded police report but credit agencies are refusing to acknowledge it! 
XXXX XXXX XXXX XXXX identity theft XXXX XXXX identity theft XXXX XXXX XXXX XXXX/identity theft XXXX/XXXX/ identity theft XXXXXXXX XXXX XXXX XXXXXXXX identity theft XXXX XXXX XXXX identity theft . 

Someone used stolen wallet with I.D . and social to purchase these items.

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 2021-03-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The reason I have this complaint against Select Portfolio Servicing- hereafter referred to as SPS- is because, they made my loan in forbearance without me asking. This has put me in a legal bind. Though I have made all my payments as agreed I am now not able to refinance my home due to the Forbearance that I did not ask for. I need to refinance my house due to a commitment in divorce agreement. During the divorce proceedings the judge told us that if I wanted to keep my house, I needed to refinance and pay my ex-husband the amount of {$50000.00} from the proceeds. 
Last XXXX I received a letter from SPS advising me that I could do a program that was approved by the Government where there was no need for me to make mortgage payments on my mortgage. 
Curious about the letter I inquired to what this program was all about I called, but I never got more paperwork explaining the way this program was going to work for me and my balance, so I continued making my regular payments on my mortgage as agreed. 
Sincerely yours, XXXX XXXX XXXX XXXX SPS Loan # XXXX SPS ( XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/, XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief