BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with XXXX XXXX. XXXX XXXX approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX  Account # 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 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- Has violated my rights.

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 a account without my written instructions 15 U.S.C 1681 Section 623 ( a ) ( 5 )

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Collection Agency, LVNV Funding has illegally reported a loan debt from a company known as XXXX XXXX. They are claiming that I owe them money on a loan that I NEVER took out. Last year, I filed a police report on this matter, it was later resolved and now, this company is attempting to to EXTORT reporting this debt to the Credit Reporting Bureaus as an outstanding debt that is owed to their company. I have not applied for or signed any documentation with this company and I most DEFINITELY OWE THIS collection Agency, NOTHING. 

Once the debt has been removed from the credit bureaus, they are reporting it again, under a ( sub ) name. 

Example : LVNV FUNDING ( COLLECTION AGENCY ) Below are the sub names that are being used ILLEGALLY to report to the bureaus extort consumers out of money that is not owed to them : XXXX XXXX XXXX XXXX ( This was the first sub company name under LVNV FUNDING that used a few months ago in their extortion attempt ). 

*RESURGENT CAPITAL SERVICE LP ( This is the current name that they are illegally using to fraudulently report information to the bureaus ). 

I sent them a certified letter last week, my next step is to file a Police Report against this company and the owner for extortion. I will also be filing a complaint the the Attorney General and the Better Business Bureau. Lastly, I have spoken with an attorney and I will sue them if it becomes necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: TX
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:
My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with arvest bank. Arvest bank approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on the week of XX/XX/XXXX I called Credit Acceptance I spoke with a gentleman about losing my job I was told that I qualified for the covid protection program and that for 90 days I did not have to make a payment or will receive a call about making a payment .He stated that when I could make a payment to just do so. That same week I set up a payment arrangement to pay {$20.00} on XX/XX/XXXX and which I did. So that next week I got another call explaining to the the young lady that I was in the covid protection program which she stated that I needed to still payments and call in in which told her that I was never told that. So I made another {$20.00} payment the same day. So on last Tuesday XX/XX/XXXX they spoke with my co signer which he stated that he would make the payment but due to personal reasons he could not, he too stated that I was in the covid relife program. So on today XX/XX/XXXX, I get another phone call stating that I am not in the covid relife program and that I could not even set up an arrangement for XX/XX/XXXX plus they would still call me daily to try and get a payment when clearly I have nothing to give them at this time. They call me at least 3 times a day and leave voicemails and they call my cosigner and do the same as well. At this point why would somebody say I will be okay for the next 90 days but I still get harassed daily.

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 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX reported a collection to Transunion on XX/XX/XXXX for an account opened on XX/XX/XXXX that has a balance of XXXX. I have not opened any accounts with the company they are trying to collect for. Transunion has tried to contact the company to get proof of the debt but nobody has responded. I did a XXXX search of XXXX XXXX XXXX XXXX and it seems other people are having the same problem with them, every time it involves them reporting a debt to Transunion in hopes that someone will send them some money,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BARCLAYS BANK DELAWARE
State: OR
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 rewards from credit card

Complaint:
I have been using XXXX mastercard since my children were young to earn rewards for college. My son is now in college and I have been trying to get the funds transferred. The website says a total of {$2800.00} was transferred but only {$400.00} ever arrived in my son 's XXXX. I have been trying to contact XXXX for weeks. The phone number directs you to an online chat. The chat says you must schedule an appointment for a call back. I have scheduled several but never received a call back. Today, the chat says they are closed despite it being within the hours of operation listed in the same paragraph. I also submitted a request for help online and have received no response. I called XXXX mastercard and they redirected me to the XXXX phone number XXXX saying a person would answer. This number tells you to schedule a phone appointment online. I have no idea how to contact this company to resolve the issue of the {$2400.00} of missing college rewards. I appreciate any help you can provide.

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 2018-04-27
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: MI
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:
Im a second year XXXX XXXX. I served my country and ran into tough times when my wife get laif off. As a XXXX XXXX ive been exposed to the beauty that is American law, mainly the constutution. In my opinion the second greatest document written behind the bible. I see a tragedy. The federal reserve system ( fractional illegal banking ) most Americans have no idea how our banking system works let alone the federal Reserve. It literally is the greatest ponzi scheme in history. Its completely unconstitutional and has created a disportion of wealth where the majority are slaves to banks. No where in our constitution does it state an independent banking system issuing these federal reserve notes that are now practical worthless has any authority, nor use our federal taxes as collateral against these loans. Then the big banks have devised perfect system that manipulate money and creates it out of thin air through credit. Its pathetic. Its made the rich richer and the poor poorer. Im going to stop my save the world speech and say this. XXXX followed tax law and im asking Equifax and XXXX   to follow suit and do what united state federal tax law tells one to do in the following situation. Im asking every single one of my creditors to follow the United States tax law with regards to debt. I want every single one of my creditors who wrote off my debt as a loss on their tax returns and recouped their money to remove that debt from XXXX  and XXXX. The Federal tax law states " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compensation constitutes fraud in any of the 50 states. '' It makes sense and all my creditors didnt hide they wrote it off. I want these collection companies who have no legal claim to this debt that again has been written off removed from my credit report and in reality they themselves are commiting tax fraud by trying to collect on these debts that no longer belong to me off my credit report. This is the law. Its not enforced but it should be. Big banks have lawyers who know tax law and get their clients to pay little to no taxes. XXXX followed the law and removed these items from my ctedit report. Since its the law I expect XXXX and Equifax to do the same or they to are commiting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After contacting my health provider it has been indicated that the amount paid is incorrect by the collection agency. 

Therefore I am asking this collection agency to provided the original bill for the services recieved by the original creditor XXXX XXXX XXXX Hospital.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed immediately.

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 2020-09-23
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with Equifax and, XXXX XXXX XXXX XXXX XXXX also XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  I have written them letters to no avail, XXXX  XXXX is the only one who has obey by the law 609, I have not received from Equifax or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX nothing with my signature on it I would like for the law to be put in place here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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 status incorrect

Complaint:
To whom it may concern, My mortgage loan is with with  XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, Illinois XXXX. This complaint is due to a discrepancy within my credit which was reported by XXXX. After several telephone calls and conversations, customer service representatives state they do not have access to, or can not see, my credit report and therefore can not correct this mistake. I have emailed XXXX XXXX times regarding this error. 

The company has been adding delinquent charges to my credit report for months. I received a letter in the mail on XX/XX/2020 explaining that the Company has transferred my XXXX mortgage to another mortgage company. While I accept the changes, the company has reported the sum transferred as a delinquency on my credit report. XXXX has also reported an erroneous amount of {$250000.00} in delinquency when the amount owed is for the sum {$23000.00} ( this was the amount transferred to the new mortgage company ). Additionally, XXXX has failed to report my account in good standing for the months of XXXX, XXXX, XXXX and XX/XX/2020. 

I have contacted XXXX regarding these issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020 and XXXX still has not rectified the problem. Instead, the issues are now heightened. Since my last emails, XXXX has been adding further negative credit reportings on to my credit rating status ; in turn putting further stress on my financial situation. I have been affected by COVID and my family has had a loss of income. This situation with XXXX has placed further financial hardship in our lives since my credit report is now showing delinquency. Asdefined by the CARES Act, a Mortgageservicer or creditor is required to report an account in forbearance as current. This has been referred to asan accommodation under the Cares act and quoted by the Consumer Finance Protection Bureau.XXXX is breaking the law under The Cares Act and refusing me an accommodation that is being provided to so many other patrons. 

I am requesting that XXXX send a correction report in the areas mentioned above to the 3 credit bureaus Transunion, XXXX   and XXXX as soon as possible so that my credit report may once  again be in good standing. 

Thank you for your support in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: MOHELA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date Reported XX/XX/2022 A student loan by Mohela/ Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove 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 2021-08-06
Company: TrueAccord Corp.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I have received an email from some kind of collection agency I do not recognize. Claiming I owe a debt of {$1700.00} from a XXXX  XXXX that I never had in my life. In the email it clearly states to dispute or pay the amount owed. I click to dis put and the information with listed address is all wrong. 
When I reached out to the collection agency, they said they can not sue or report to credit agency for an old debt but wants me to pay for something that I never had in my life with all the wrong information provided in the email. I have told them numerous of times that I never had a XXXX  XXXX nor resided at the address listed. Now they are mailing me a bill that dont exist that they claim exist over 30 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Allied Collection Services, Inc. (Nevada)
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit and found a {$3000.00} charge from my old College. I graduated in XXXX and have not returned. I immediately file a dispute with all 3 credit Bureau Agencies. I notified my college and they sent emails, school bill paid in full and they said it was fraud. The company is call Allied Collections Service XXXX. I spoke XXXX on XX/XX/XXXX at XXXX XXXX He asked that I send him all the documentation and he would send to the legal department to have it removed. Instead they reported the 3 credit bureaus the next day that it was mine. They told me to get an attorney to call them to get it off. This is illegal to put something on someone's credit knowing it is not there's. They told me they had the wrong person but refuse to take it off. I have all of my documentation but no one will remove this error. My next step is to the local FBI for fraud if this does not work.

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