BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
I applied for a student loan in XX/XX/XXXX/XX/XX/XXXX totaling more the {$16000.00}. Since then I've lost my job got married moved away and divorce. After losing my job I was unable to pay my student loans or bills. I did however, called the student loan department and file for deferment and forbearance until I was able to resolve my personal situation. It was until XX/XX/XXXX I was able to consolidate all my XXXX XXXX and make one payment. Transunion Reporting Agency is still reporting my XX/XX/XXXX/XX/XX/XXXX XXXX XXXX as delinquent. I've called the reporting agency ( Transunion ) to dispute the the closed and consolidated accounts and to them remove form my report and there response was to send in a consolidated later form XXXX XXXX XXXX and then the old account can be removed. I faxed over the latter and still not removed, I've called and ask why are the old account still reportingand there response was you have to get in writing from XXXX XXXX XXXX another letter stating, REMOVE FROM REPORT! This has been going on for several months. Back /fourth I called Transunion agency yet again and ask for the removal and there response was the accounts can not be removed for another 7-8 years from  delinquent reported date! That means the old account will have been on my report reporting negatively for more then 18 yrs. HELP!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RMP, LLC have a {$2000.00} collection debt on my credit report. They claim it is for an emergency physician service. However, I have never been seen by their physician. The hospital they claim the bill generated from has stated that I do not owe any money. The debt is fraudulent. Please ask them to remove it from my credit file with the 3 credit bureaus. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation.

If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I started receiving notices that my credit was being checked by XXXX XXXX XXXX XXXX. On that day I was at work and did not authorize anyone to run my credit nor am I in the market to purchase a new vehicle. I attempted to contact the manager at the XXXX XXXX XXXX XXXX and he hung up on the phone on me and after repeated calls, I was left on hold for no one to return to the phone. Ive attempted to reach out to the banks and I was told to submit a letter to the credit companies which Ive done. After calls and letters each company keeps referring me back to the other and ultimately Im getting no where. I even ask them to update my employer because on the same day XX/XX/XXXX, XXXX XXXX was added as my employer and Ive never worked for XXXX. All other inquiries are mine eco the one from XX/XX/XXXX. Ive added the fraud alert to my report but Im not having any luck getting the unauthorized inquiries 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 2021-05-08
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An item was placed on my credit report that was fraudulent. I never received any communication from this agency or business and was not aware of it until my expecting fiance and I were denied housing, due to the damage on my credit. I have retained counsel and if the item isnt removed, pending further investigation, will be moving forward with a legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX called from XXXX ( on behalf of Citibank and Macys ) to collect a late payment from me. I explained to XXXX that I made the payment and he said I made it too early and it did not count towards the billing cycle. I was assessed a late fee due to this. I asked if he could waive the fee since it should have counted towards the billing cycle. The total negative balance was {$100.00} and a late fee for {$29.00} was charged. I told him that was about a 30 % charge on the debt. He said it was policy and he couldnt waive it. I reiterated that Ive never heard of being penalized for an early payment. I explained to him that for some reason I dont receive mail from Citibank but seem receive mail from everyone else. He said that he doesnt see any issue. XXXX employee number XXXX. I asked XXXX to provide me the address so that I could file this complaint and he said he was not allowed to provide that information to me.

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 monetary relief
Consumer complaint received 2021-09-12
Company: Auto Trakk, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I leased a car from an auto dealership and was told to bring it back when the term of the lease was over. I was mislead into thinking that my credit score was not high enough due to no activity and that leasing would help build my score. At the end of the lease, the dealership refused to take the car back and told me to try and sell it. The car 's value was {$5000.00} but the leasing company wanted me to pay {$13000.00}.

They wanted me to buy the car but I did not want it. I gave the car back to Autotrakk and they sent someone to pick it up.

The car was sold, in perfect condition and less miles, for {$5000.00}. 
In XX/XX/XXXX Autotrakk submitted into collections, under " Voluntary repossession " for the total balance.

I had no intention of purchasing the car beyond the term of the lease.

I'm not responsible for any money due.

Autotrakk threatened to report it to the credit bureaus because I didn't want to purchase the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Reverse Mortgage Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2017, XXXX XXXXl filed motion for substitution of counsel on behalf of Reverse Mortgage Solutions Inc. The stipulation reflects that XXXX XXXX signed a consent to substitution of counsel as Vice President for Reverse Mortgage Solutions Inc. Florida is a Judicial State therefore every single document filed by a plaintiff, it is subject to defendant review and/or request specific information pertaining to the documents. 
At this juncture we are asking Reverse Mortgage Solutions Inc, to produce specific proof in that XXXX XXXX held the position of Vice President. Florida Department of Corporations does not reflect that XXXX XXXX ever held a VP Position with the company or any other job title. In Florida or any other State when you a held a position such as company treasury, president, assistant vice president, you must be on the record in order to be on Corporate bank accounts and have signing power to all and any documents. 

According to the Stipulation filed on behalf of Reverse Mortgage Inc, XXXX claims to be Vice president of Reverse Mortgage Inc, yet as mentioned before the Florida Department of Corporations does not have any record of XXXX XXXX. Where did Reverse Mortgage Solutions acquire this name XXXX XXXX? From a credit card promotion naming XXXX XXXX? We believe she does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I have a collection account on Transunion, XXXX and XXXX from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal 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 2020-12-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am no longer receiving unemployment income. I do not have any means to make the monthly payments that have already been lowered however I no longer have funds to send them for the minimum monthly payment. If I receive any assistance from the government, then I will be able to make an effort to send them what I can. I currently do not have anything to send them and they will not defer any more payments. They asked me to call XXXX  XXXX however they would not defer any payments either. They were going to increase my interest rate and offer me another payment plan. That's not an option for me right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I filed a dispute with the credit reporting agencies in regards to a re investigation for inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

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 2017-11-29
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last week ~XX/XX/17 I started receiving calls from an unknown number. I googled the number and it showed to be XXXX XXXX, though they never left messages nor their identification. I called the number back, twice and it said XXXX XXXX XXXX. The first time they refused to give me any information as I would not give my address as it seemed like a scam but said I owed debt. The second time I called I gave my address and he said he could not find me and that I would have to wait to receive something in the mail. I then called the number on the website instead and with just my phone number they said they were looking for a XXXX. The reason I find this so perplexing and odd is that when I called back the first and second time they repeated a name back to me that was almost like mine. I found this scary so I wanted to pursue the matter. I am unsure how they got a partial version of my name and number, but then said the debt was for someone else. I find it bizarre and concerning and want to make sure the credit I have worked hard to protect is n't going to be affected by some bogus company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: JMAC LENDING INCORPORATED
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
JMAC Lending contacted the mortgage broker I used and stated we provided information that was " not factual '' and they were starting proceeding against XXXX XXXX and XXXX XXXX and reported it to the FHA. I called them and told them it was factual and I could provide proof. I sent them a signed statement from the person that was my immediate supervisor and it stated I was still an employee at that time in question and they have apparently decided to ignore me because I ask to be informed about the process and I have not heard from them since. I would like to clear this issue up as soon as possible. 
Thank You XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have tried to get proof that I owe the staggering amount of student loan debt which is being taken from me as a garnishment. Several collection companies have traded around my file and adding up fees, etc. These companies include XXXX, XXXX XXXX, XXXX, XXXX, and Navient. To date the only " proof '' they have submitted are 2 items. One being a legitimate promissory note to XXXX XXXX XXXX I signed with my legal name in XX/XX/XXXX. It has been paid off, and I can find no proof that any bank is after me for that. Yet, DOE is garnishing my wages. The second bit of " proof '' is a consolidation form from XX/XX/XXXX that is wrong in so many ways. It has a signature on the bottom line that is not the same as on the beginning of the form. Neither is my legal name, and the bottom signature is certainly a forgery. I have countless documents that show how I sign my name, and they are consistent and different then this one. Also, It has no amount or bank that I supposedly agreed to. I have repaid every loan or made payment plans ( rehab ) to correct to no avail and now for years have been being garnished. No one I have talked to has helped but are sure to tell me how to start another goose chase of sorts. I am getting ready to retire and have seemingly no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Shellpoint Partners, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been trying to work with XXXX XXXX XXXX for over three years ; I am the Trustor to our deed of trust and have a right to answers. I filed Bankruptcy in XX/XX/XXXX ; and was in Bankruptcy from XX/XX/XXXX-XX/XX/XXXX ; the bankruptcy was successfully discharged XX/XX/XXXX ; with no debts owed. Because XXXX had collected on the Title Insurance we purchased at closing for them in the amount of {$200000.00} ; these entities are known as " hustlers ''. In addition, they used our {$80000.00} we had in equity to securitize into a XXXX XXXX ; XXXX XXXX XXXX or XXXX XXXX/XXXX XXXX XXXX. Since all there settlement agreements with the SEC, FHA and XXXX XXXX XXXX XXXX XXXX have all released the liens and the properties reverted back to the lenders and are all listed as Real Estate Owned, REO property ; which have strict Dodd Frank regulations, Pooling Service Agreement, PSA regulations as to how to remove occupants from resident through open market sales or eviction. But has instead chosen to foreclose on REO property without the authorization of the Master Servicer XXXX or the XXXX XXXX XXXX XXXX, XXXX in which both their Power of Attorneys, PA are attached stipulating their authority and authorization ; the XXXX PA indicates Shellpoint may only ( track/monitor ) " disposition '' ; and XXXX PA outright forbid foreclosing on REO property. Nevertheless, Shellpoint is illegally using their resources and agents to initiate foreclosure proceeding despite their given authority. I contacted XXXX  which told me to contact the servicer because they do not get involve with foreclosure proceedings nor initiate them. You can contact XXXX by email at " XXXX '' enter our property address or any property address and they will response within 24 hours with the status of the property. In addition, REO property may indicate the property has already been foreclosed on unsuccessfully which would give the lender ownership ; this seems to be the case since the REO status was given from XX/XX/XXXX-XX/XX/XXXX. At any rate Shellpoint subservicer by law should have our complete file in which all these questions can be answered. Trying to take someone's home after nearly 20 years is a serious matter and nothing to be played with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent letters regarding inaccurate information being reported on my credit report and I have yet to receive a response. I am highly upset and I feel as if no one cares. Section 611 ( a ) states that a failure to investigate items within a 30 day period provides a reason to immediately remove those items from my credit report. It has been about 45 days and they should be deleted at this point. This situation has been really stressful and I do plan on filing for litigation if these items will not be removed. My information was also impacted by the XXXX  data breach and I know that it has 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 explanation
Consumer complaint received 2021-09-12
Company: ERC
State: NJ
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:
I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I check my credit report the date of last activity, high credit, credit limit, etc is not the same across the board. Collections account shouldnt show status as open or with past due balance.

It has a list inaccuracies and all the corporation does is verify the information on my consumer report and tells me its accurate as if they never checked it in the first place.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave permission or received a letter in the mail for this to be reported on my credit, also the credit corporations has not verified the information only asking the other party the accuracy of the info

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