BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with TRANSUNION. I spoke with XXXX XXXX Transunion supervisor, XX/XX/2021 and he told me that court was reporting it and I told him I have the court document show they are not reporting it. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in four days and it's been over four days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C 2 ( a ). ( 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. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) the term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information.

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 2023-02-03
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern, This Company who had previously been operating as XXXX XXXX and Now operating as SouthWest Credit Systems both collecting for previously XXXX and now apparently, XXXX has taken it upon themselves to re-vive a resolved and removed item from XXXX of XXXX. 

The item was closed and resolved here. It is file number XXXX They have since afreshed the file and placed it once again on my credit file causing my XXXX XXXX to XXXX XXXX points in a little XXXX XXXX XXXX 

They replaced this item on my credit report last month out of the blue sky. They are fallaciously showing that I opened this account in XXXX of XXXX to make it seem as if the debt is current. This is awful. 

This company, whoever they are operating as, uses underhanded tactics in efforts to try and collect old debt from customers. They harmfully go after a consumers credit file as they know that is most damaging. 

And they have become awfully familiar in doing so. 

Below are just the copy/paste details of this matter from XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-10-13
Company: Debt Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I mailed a letter ( certified via USPS ) to Debt Recovery Solutions disputing a claim that I owe {$50.00} via the supposed original creditor XXXX XXXX  XXXX   as listed on my XXXX  credit report. This debt is not mine and I do not owe it. I asked them to provide verification that this debt it mine. They have yet to do so. The letter was delivered to their company on XX/XX/2019 at XXXX XXXX. 

I asked them to provide me : 1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They have not provided me with ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Atlanticus Services Corporation
State: DC
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:
MasterCard credit card issued by XXXX XXXX XXXX XXXX ( XXXX ) ; offered via email promotion and {$1000.00} line of credit. Brand name FORTIVA Credit Card Card was issued XX/XX/XXXX. With. {$170.00} annual fee@ 29.9 % / 34. % APR. 

Payments were made to this card via ACH direct debit from cardholder checking account. On XXXX, XXXX ; cardholder issued an ACH pymt for current balance @ $ XXXX. Fortiva Card Services claimed the ACH didn't process properly and was therefore, insufficient. 

Cardholder provided bank statements and documents showing funds were available and were valid for transaction debit, in order to reissue the payment. Card services at Fortiva instead closed the account and claimed non payment and reported to the Credit Bureau as closed and settled account @ {$800.00}. 

The promise made by Fortiva to credit back the annual fee, ( prorated ) and keep account open and except minimum payments without reporting to the credit bureau has been breached and non existent. Possible correct balance is {$650.00}. 

XXXX, XXXX credit bureaus are showing this account reported on XX/XX/XXXX closed as settlement. However, cardholder wasn't advised o and wasn't notified of the reporting as closed by creditor without valid reasons. 

Creditor received payment in full $ XXXX right after the discrepancy was corrected by the issuing or receiving bank via ACH. 

Fortiva Card Services representative of XXXX have no idea how to correct this problem nor have direct access to the bank making those decisions. 
Adjustments to the account haven't been processed nor have the customer service department provided valid answer, nor proper information as to where to file a dispute. 




.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved.

from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information

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 2023-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, I made the final payment on my auto loan for the XXXX XXXX XXXX with XXXX XXXX. I received a letter from CapitalOne around XX/XX/XXXX or XXXX stating that the truck was paid in full and that the title would be released once the payment was finalized. In small print at the bottom of the letter it says that CapitalOne would not release the lien if anything happened with the payment. Given that CapitalOne removed the lien by signing the title on XX/XX/XXXX, that clearly proves that the payment did indeed clear. 

CapitalOne then repossessed the vehicle on XX/XX/XXXX, which I did not get my title in the mail until after it was too late to get the truck as it did not arrive until the following week. By that time CapitalOne had already shipped the truck to auction, even though they can not legally sell the truck because they do no legally own it. Which is also why they have not sold it yet a month later. They have done everything they could do in order to make my life harder, just because they refuse to accept the fact that they are the only criminals here. They have been trying to get me to commit suicide with every call, refusing to answer simple questions and refusing to meet my demands for information as well as cheering the idea of me killing myself on. The amount of mental duress they have put me under is insurmountable here, all to keep from accepting responsibility for their actions. 

A demand letter was sent to CapitalOne on XX/XX/XXXX demanding immediate return of he truck or proof that the payment did not clear within XXXX business days. CapitalOne has yet to respond to that request. They sent me a letter dated XX/XX/XXXX stating that they tried to call me, yet I have no missed calls or voicemails from them. The letter asked me to contact them immediately, when I did they hung up on me multiple times and refused to answer my questions. They claimed to have left voicemails when they call as well, which was a complete lie. I have been on the phone with them for multiple hours today alone, countless hours over the past 6 months as they refuse to prove that there ever was a legitimate loan here to begin with as they have not been able to prove that I am the debtor here or where this money came from to begin with since CapitalOne can not lawfully lend credit since it has no real potential to create any, only we do. I can not borrow from myself and unless CapitalOne can prove that they funded the loan then they coudl never prove I was the debtor. Which is also proven by the title I hold in my hands as there never was a legal loan here to begin with. 

The amount of XXXX  suffering CapitalOne has created for a person like me, who is already born with with a XXXX to make my life harder than it needs to be, will not go unexcused here. Law is the law and they will abide by it if they like it or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-06-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX and XXXX XXXX CFPB complaint against Community Loan Servicing formerly Bayview Loan Servicing Loan number ending in XXXX COVID forbearance was requested and granted in XX/XX/XXXX. XXXX of XXXX we were able to resume payments, but we were not able to pay the arrears. XXXX was laid off due to COVID and the 2nd forbearance was granted in XX/XX/XXXX. 
We believe the offer presented XX/XX/XXXX was not fair and did not meet the XXXXOVID relief guidelines. The letter stated forbearance would end soon. We were not given 30 days notice of the end of the forbearance. Letter attached A letter was dated XX/XX/XXXX stating forbearance would end XX/XX/XXXX. The letter was received until XX/XX/XXXX. 
A letter was dated XX/XX/XXXX showing our payoff balance and interest was being charged during the forbearance. 
A letter was dated XX/XX/XXXX stating forbearance ended XX/XX/XXXX and if we wanted to extend, we had to reply by XX/XX/XXXX. XXXX attached. 
A letter dated XX/XX/XXXX was a loan modification proposal. We believe this proposal is not fair. 
We are having difficulty contacting CLS. We were not given a dedicated agent to handle our mortgage issue. We worked with XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX. XXXX did speak to XXXX on XX/XX/XXXX @ XXXX XXXX  and requested the forbearance continue. XXXX stated there were 700 days remaining on the forbearance. XXXX asked about the partial claim option and XXXX stated he did not know the anything about the COVID waterfall. XXXX XXXX, HUD certified housing counselor, was on the call. XXXX emailed the company and XXXX XX/XX/XXXX requesting they remain on forbearance. 
We have made mortgage payments in XX/XX/XXXX of {$620.00} and XXXX {$600.00}. We have less than {$8000.00} to pay off our mortgage. We are asking for fair repayment plan according to the COVID Relief guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Tue XXXX XXXX I got an email " Your Citi account ( XXXX ) will automatically close within 60 days '' Prior to this I noticed an unauthorized transaction on my account which I Lodge a complain for investigation. I was following up with Citibank fraud department to know the outcome of the investigation. I was told they will get back to me, thereafter I can't follow up with the investigation because I blocked me from accessing my account.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2019-10-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Enhanced Recovery is trying to collect {$250.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Enhanced Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Enhanced Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Enhanced Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: SC
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 Experian credit reporting agency is refusing to remove XXXX XXXX XXXX redacted* from my credit file. Please be advised this account was removed XX/XX/XXXX and added back with absolutely no supporting documents or proof from Experian. 

With extensive research. I have attached proof the account was removed, added back and the open dates are changed. Upon adding an account back to a consumers profile. Proof of an actual debt must be provided in support of a claim of an actual debt being owed to the alleged creditor. The Experian credit reporting agency and XXXX are not honorable companies. 

The Experian credit reporting agency stated they will not respond to anymore of my disputes unless I provide relevant information. Apparently, the truth is not enough! 

The credit report Date generated : XX/XX/XXXX ; the open date was XX/XX/XXXX. On XX/XX/XXXX the open date is now XX/XX/XXXX. This is proof of inaccurate reporting. The Experian credit reporting agency chooses to ignore this and XXXX chose to provide copies of alleged charges with questionable ip address history. 

I requested the contract between myself and XXXX in the form of validation notices. The contract actually signed by me to allow XXXX to report to my credit files which allows The Experian credit reporting agency to update my credit file. 

I should not have to fight for a good credit score or to be treated with respect, this is outrageous! I am to be protected! A complaint with the CFPB is necessary at this point. This is the only negative account on my credit file, it is not reporting to any other major bureau nor XXXX. ( see attachments ) Provide exactly how this account was validated as belonging to me. 

I have researched how The Experian credit reporting agency uses a standard letter to respond to complaints via this portal. Please take into consideration I would like an authorized representative to reply as I have a right to understand whats really going on with this particular account and Experian. XXXX generated auto reply messages will not be accepted.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 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 non-monetary relief