BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: Resurgent Capital Services L.P.
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:
There is a company that I have no knowledge of I was told they had information and I asked to verify in which they could not .This companys LVNV and Resurgent. As I look this company up I see the have several names and they have five accounts under my name and they can verify. I have never had a account with this company. LVNV Funding LLC account ending in XXXX, XXXX, XXXX, XXXX and XXXX. I have asked them to produce paperwork and they have not it have been one year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. TSI/XXXX  XXXX, $ XXXX-XX/XX/2021, 2. XXXX XXXX XXXX XXXX, $ XXXX-XX/XX/2021, 3. XXXX XXXX $ XXXX-XX/XX/2021. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. 
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , XXXX  , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things. 
For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : hXXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, XXXX  and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance. 
2. XXXX, XXXX  and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There was a hard inquiry on my credit report from XXXX, I reached out about what it was for. I was advised it came from Bank of America Mortgage loans, but I never submitted any information to Bank of America. I was unaware that my credit was impacted from this fraudulently unauthorized report until I recently checked on my credit report.

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 2023-07-31
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive sent several certified letters to Midland Credit with no return assistance from them. They are showing to have on my Credit Profile 4 accounts in which I have no knowledge of. I have never signed and agreement with Midland Credit nor do I owe Midland Credit anything. I send them a very detailed " Certified '' letter asking for the following infomation- Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

and I have not seen anything to date. I know we are to give 30 to 45 days but this has been going on for about a year and half and I have yet to receive any correspondence from them. This is not fair for me nor any other consumer finding themselves in this situation with Midland Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Navy Federal incorrectly deducted {$2200.00} from the mortgage escrow account on XX/XX/2021, when it tried to make a duplicate XXXX  tax payment. The tax had already been paid by the closing transaction attorney, as described in Navy Federals closing disclosure ( attached, prepaids page 2 ). The XXXX sent the check back to Navy Federal on XX/XX/2021 ( email attached ), but the funds have not been returned to the escrow account.

The incorrect escrow shortfall caused Navy Federal to raise our total mortgage payment by {$210.00} going forward. I contacted customer service about this three times, each time they said they would respond in 10 days but never did. The returned XXXX check should have been voided or cancelled, and the funds returned to our escrow account, and mortgage payment returned the original amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-06-02
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: Personal information incorrect

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries On my credit file that I did not authorize. I do not have accounts with these companies nor did I request to have a hard inquiry pulled by these companies. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-01
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I discovered several fraudulent inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank 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 2023-06-02
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: Account information incorrect

Complaint:
There are inquiries place on my personal account that should be there due to the fact these are accounts associated with a business not a personal. I contacted the creditors to dispute these inquiries and they have done nothing to remove these inquiries from my personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have looked at my credit report to find this company who I have never done business with is reporting on my credit. 

Violations listed below A collection can not be listed as an open account A collection is by default past due Date of last activity is not the same they have not provided me with any signed contract showing my signature, a complete payment history, a purchase agreement witht the terms and conditions of that purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent in dispute letter about inquire 's that was from identity theft XX/XX/2020. Trans Union have not responded. XXXX XXXX, XXXX XXXXXXXX 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 2023-03-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Credit acceptance report my card XX/XX/XXXX in the morning I just looked up the repossession laws!! They sent me a notice that my car was going to be auctioned off it did not say where it did not say what time nothing of that sort they didn't even tell me where my car was at I had to ask several times over I have been in contact with these people often!! When I asked the representative where my car was located she hesitated like she didn't want to tell me and then she went off with some other subject I said no wait a minute I want I need to know where my car is at because I have valuable stuff in there that I need and then finally she told me where it was at I don't know who they think they are but they can not go against the Michigan laws!! So much is wrong with this auto loan completely my complete balance on credit acceptance website is completely different than my credit report credit acceptance account says it's open my credit report says it's closed there's so many violations here I'm sickened I am going to send them a pre-settlement letter I am going to consult an attorney I know I am right here and they are completely wrong and they know they are I have tried I am so stressed out I am just going to consult an attorney I already hired Lexington law firm to try to remove the repossession so I can get another Auto but going through all of this I know what the going rates are for what your credit is and it's sure not 22.99 % I can tell you that and the next auto loan I get I'm not going to let them work certain fees into my loan and plus charge me interest that's not going to happen simple and plain but I'm in it to win it I'm telling you I'm not going to stop

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 2020-11-20
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 have asked TransUnion, XXXX  and XXXX to remove erroneous bankruptcy information from my credit report multiple times. Nothing has been done. There is a chapter XXXX that is being reported with the incorrect middle name because it was filed with the wrong information. I would like for it to be removed.

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 2023-01-07
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 information incorrect

Complaint:
The undersigned is obligated to have obsolete information on their credit report deleted under Section 1681c of the Federal Fair Credit Reporting The following account list is obsolete. 
Account # XXXX, XXXX # xxxxxxxxxxxx XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
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: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 and XXXX XXXX, XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had long term impact with XXXX health wise. During recovery I gave my creditors my Chase checking details so I can be set up in auto payment. 

When I recovered I removed auto payments and I made payments myself. 

Than I realized I forgot to stop some auto payments with certain creditors. 

That resulted is a negative balance in my checking. 

This morning I tried to transfer {$50.00} and deposited {$56.00} to the checking trying to make it XXXX or positive balance. 

My chase app froze and instead {$50.00} full {$500.00} went through ( almost entire saving ). 

I was not sure if I can transfer back the {$500.00} given my negative balance. 

I called Chase Bank and the customer service person understood scenario and said he will contact online banking to see if he can help. He was wonderful. 

After being on hold for a LONG time this lady came on frauds department approximately around XXXX XXXX  today. 

She was EXTREMELY rude. I thought it was a transfer so I was shocked she asked me same questions and asked for my debit card number. 

I asked her if she spoke with other representatives - she got annoyed and very nasty because she didnt like me asking questions why I am questioning the inquiry of repetiion of sensitive information by the wrong department. 
I was expecting online banking department not the fraud department. 

She in a very rude and nasty way asked me what was going on - I shared my situation as mentioned above. She was just not getting it all and was ready to mark my creditors as fraud. This customer service person DOES NOT listen and made up her own false conclusions. 

I requested to get the 1st customer service representative back. He was courteous and understood the issue. 

The fraud department lady got nasty again and started screaming at me because I kept fixing her false conclusions. Than I realized this lady is trouble. I requested for her to stop getting an attitude with me and to transfer me. She cut me off because my statement was not to her liking. 

This is unacceptable and Fraud in itself when your Fraud specialist is making up false narratives. 

Also these type of representatives gives a story the line was cut off ... .. very conveniently exactly at moment when it did not go in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
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 disputed a collection account on XX/XX/2023, reporting by TransUnion on my credit profile for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX. The total amount is for {$3300.00} unsecured loan. The account came back as verified by TransUnion. Im not sure how they verified the information. I never received XXXX loan from that company. I ask for proof of verification that was never sent to me. Also according to the reported information I made a Last Payment Amount of {$920.00}, which I did not make any payments to this company. All 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 non-monetary relief