BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Resurgent Capital services violated the FDCPA. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Delta Outsource Group, Inc.
State: KS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX letters to discuss settlement options of the balance I allegedly owe with their company on XX/XX/XXXX and XX/XX/XXXX. No response in any form from XXXX for either offer letter. 

Per phone call on XX/XX/XXXX XXXX According to XXXX XXXX XXXX XXXX XXXX balance allegedly owed sent to Delta Outsource Group on XX/XX/XXXX. 

Balance $ XXXX Still listed on credit report/reported to credit reporting agencies for balance allegedly owed as of this date by XXXX even though they no longer own the debt. 

I requested from XXXX XXXX ( Corporate Office - XXXX, KS ) a copy of the documentation that the debt was sent to Delta Outsorce ; refusal by XXXX XXXX of XXXX to provide mailing address of Delta Outsource or documentation that debt ( or management of such debt ) had been transferred or sold to that company. XXXX confirmed my address and confirmed the address was sent correctly to Delta Outsource.

Informed XXXX XXXX the charged off debt with balance due is still listed on my credit report even though they no longer own the debt. XXXX verified this information. 

Informed XXXX XXXX that if a creditor no longer owns the debt, they are legally under federal statute not eligible to report the debt or any balance associated with the debt to any external credit reporting agency as that is " double reporting '' - Violation of Fair Credit Reporting Act - Violation of Fair Debt Collection Practices Act XXXX stated he understood my complaint and XXXX 's violation of the FCRA & FDCPA ; no response or rebuttal to complaint. XXXX verbally stated his and XXXX 's refusal to remove information from credit report even though they no longer own the debt. He stated they are reporting accurate information. 

**** As indicated by XXXX XXXX, debt had been sold to Delta Outsource on XX/XX/XXXX. I had never heard of this transfer before nor the company. Delta Outsource is under federal requirements as a debt collector to contact me within a certain timeframe in writing regarding the balance allegedly owed and collection efforts. I have never heard from Delta Outsource and as such, the debt collector is in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello, please be advised this is my second time disputing this inaccurate information taking up my time to do so with no accurate resolution. None of the accounts disputed had accurate information and was not reporting correctly. This has ruined my life and affected my chances of getting a mortgage so i can move my parents to a better and safe home and it is important mostly of this pandemic. i don't want them to catch the virus so please hear me out. A few days passed and I still did not hear anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. 

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 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 2023-12-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Their is incorrect information 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 non-monetary relief
Consumer complaint received 2022-10-07
Company: OneMain Finance Corporation
State: IA
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 tried disputing this account with XXXX XXXX XXXX  XXXX along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. Loan was granted with collateral. Accounts open as XX/XX/XXXX by XXXX XX/XX/XXXX by XXXX XXXX XXXX with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating XXXX XXXX as XX/XX/XXXX while XXXX reported XX/XX/XXXX and XXXX report at XX/XX/XXXX. Payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX when XXXX was reporting date of last payment XX/XX/XXXX while XXXX was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with XXXX XXXX and XXXX. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with XXXX and XXXX. Now, removing all data from date of last payment and deleting payment history with XXXX changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by XXXX and XX/XX/XXXX with XXXX  while XXXX reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same furniture data account as a total mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions 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:
I checked my credit report and it said I missed two payments for a company I have never done business with.

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 2019-08-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Sychrony bank, XXXX XXXX has been making charges against card causing card to accrue interest fees and going over the credit limit. In XXXX {$2500.00} in charges were made by me and since then Ive paid religiously {$100.00} or more. These security charges caused the card to reach a balance of almost {$3500.00}. Recently I called about the security charges in which I spoke with a delightful person who refunded {$1800.00} and some change to the account in question which left the account balance around $ 1500+. I recently channeled this same situation through this site in which I was contacted by a senior specialist XX/XX/XXXX through email and advised to call to speak about situation. I called and was greeted with a voicemail saying this person would be on vacation for XX/XX/XXXX, understandable. A week later with no call back I replied back to email on XX/XX/XXXX saying I received no call back about situation and received an email saying because of security purposes that this couldnt happen through the channels of communication I asked for. In turn, I received another email saying the situation had been resolved with a late fee refund of {$45.00}, in which my ten years of credit history I have never been late on any payments. I replied back asking to be called because the way I was being treated was not very good. Till this day, the card has not been used since early XXXX but shows charges to be made and interest fees assessed. As of XXXX it shows over {$300.00} in charges made and over {$400.00} in interest accrued to these charges. I have not used this card so how could charges be made? Simple math shows that {$3000.00} at % 29 would be {$870.00} in interest, with me paying well over {$2000.00} since XXXX plus the {$1800.00} that was refunded and whatever payments Ive made this year should suffice for balance completion. I would like this situation to be resolved expeditiously in anyway before I seek legal action.

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 2023-04-15
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The property was sold on XX/XX/XXXX, settlement date. It was explained to me that the settlement company would wire proceeds to the bank on the same day, absolving me of any further financial pmt. Late XXXX was reported on XX/XX/XXXX, after sale of property by the lender. I have tried since then to address but without success. Late reporting is negatively affecting my credit score and ability to get a good rate for a new mortgage. Had the mortgage since XXXX and was never late, until the month property was sold. It is unfair and does not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The FCRA states that if an investigation is not concluded before 30 days, then the items in dispute must be deleted. XXXX investigation took longer than 30 days. The items have still not been deleted. This is willful noncompliance. 

Transunion received my dispute on XX/XX/23. Investigation did not conclude until XX/XX/23. 

I have been unable to get access to an emergency loan or credit after being hit by a car on XXXX XXXX due to this willful noncompliance. In accordance with 15 USC 1681i ( a ) ( 1 ) ( A ) I demand that the following be *immediately* deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX  US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXXXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT OF EDUCATIONXXXX US DEPT. OF EDUCATION XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A female called me stating she was from Chase Fraud department and sounded so convincing and verified me with me via text message. She stated that my accounts had been compromised and that I needed to have my accounts blocked and will receive new debit cards. She stated that she needed to walk me through the transaction to finish it and had the bank on the other line and that my funds will be fine and if it was removed that it will be replaced. She also verified my home address and told me my debit cards will be sent out within 2 days. Later I logged back into the account and saw the money was gone and called the bank and that is when they told me that no one from chase called me and that is when I filed a claim. They told me that the transaction was in pending status and that they were putting an urgent rush on it to stop the transaction I should hear back next week Tuesday or Wednesday. And then they transferred me to another department because I stated that I feel like my other information and accounts were compromised so when I was transferred the guy put a block on the one account that came from the wire and stated that it should not take that long for them to figure out if the transaction has gone through or not and he transferred me to the claims department. The claims department stated that the transaction has already gone through and told me that I was the one that made the transaction so it was not too much he could do and to go through the customer service chat for assistance. I stated to him that I was already transferred a couple of times and that customer service will more than likely send me to someone else and that was not helpful. I eventually asked to be transferred back to the transfer wire bank department and from there I have been on hold for at least 40 minutes now with nobody picking up. It seems that Chase is not helpful after all but only throws stuff in my face that I made the transaction after they clearly said that they would do everything they could to get my money back and they did not. I did find out this information from another department on the person that stole and falsified their identity XXXX account lives in XXXX, FL / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Address ( Transaction went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX person name : XXXX XXXX On my end, I still show that this transaction is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage contract permits me to pay in advance without penalty. The contract does not limit how far in advance I may pay. I stay paid in advance ( presently six months in advance ) and most often also include extra principal payment each month. 
Nationstar Mortgage has been informing me that I may pay no more than six months in advance. I have repeatedly asked them where in my contract it limits me to paying no more than six months in advance and they refuse to tell me. They always respond that they are sending my request to a research team as my inquiry is complex and I will hear in 7 to 10 days .... yet I never get a response. This month I notified Nationstar that as they can not point out where in my contract it states I may pay no more than six months in advance, and as my contract allows me to pay in advance, that I would be submitting an additional payment to pay seven months in advance and that it should be applied as such. 
On XXXX XXXX, XXXX I paid my mortgage for XXXX XXXX, XXXX and included an additional {$150.00} towards the principal. My next payment should therefore be due in XXXX XXXX. XXXX. However, Nationstar failed to apply the payment toward my due date of XXXX XXXX, XXXX ... and instead on applying the payment properly, left my next due date as XXXX XXXX, XXXX and applied the entire payment merely towards principal with no credit as an advanced monthly payment. 
I contacted Nationstar and asked that this be corrected and that my next due date be listed as XXXX XXXX. XXXX. Nationstar refuses by stating that allowing me to pay more than XXXX months in advance XXXX cause my account to fall into default. This is an asinine and nonsensical reply. 
My contract plainly states that I may make advance payments without penalty. I have repeatedly asked Nationstar where in my contract it limits these advance payments to no more than XXXX months and they have never been able to respond. 
I ask that my XXXX XXXX, XXXX payment be applied towards the XXXX XXXX, XXXX payment due date plus the extra {$150.00} towards principal and that my next mortgage due date be corrected to read XXXX XXXX, XXXX. I also ask that all future advance payments be applied correctly as I intend to have my mortgage paid at least one year in advance, and more if I am able.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: PA
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:
XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last active between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$1500.00} and {$0.00} different account numbers are being reported if you take a look equifax has a dash in fornt. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by AWA COLLECTIONS by mail on XX/XX/XXXX, about a collection account for Cord Blood Registry. The letter was addressed to XXXX XXXX XXXX XXXX. That is not me. 
AWA COLLECTIONS violated my consumer rights. I responded via certified letter listing the US Codes that where violated, as well as an invoice for the multiple violations.

Pursuant to 15 US Code 1692b ( 2 ) this code was violated due to the fact that I live in Tennessee and they are contacting me from Concord CA. AWA COLLECTIONS has provided no proof that they have any rights to collect on any debt in the state of TN. Pursuant to 15 US Code 1692g ( a ) the debt was not validated. Pursuant to 15 US Code 1692c ( a ) I did not give prior consent or AWA COLLECTIONS does not have express consent permission of a court of competent jurisdiction to have any communication with me. Pursuant to 15 US Code 1692d ( 2 ) AWA COLLECTIONS used obscene language in the letter sent to my home. 
AWA COLLECTIONS responded to my letter on XX/XX/XXXX with account statements from XXXX XXXX XXXX for account number XXXX from XX/XX/XXXX. They never responded to the invoice that was sent along with the letter. 
I have NEVER had any business and I have don't contracts with this company. 
I'm curious to know how they obtained my name and my current home address. 
This is identity theft. I have never given them permission to contact me.

Company response to consumer: Closed with explanation