BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: Amsher Collection Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I transferred both of my 2 open lines from XXXX to XXXX XXXX, thus canceling my XXXX account. On XX/XX/XXXX I received a phone call from a customer resolution expert XXXX for XXXX stating I had a balance due of XXXX for final charges. I made an appointment to make that payment and did so on XX/XX/XXXX in the amount of {$130.00} which is {$30.00} more than my regular monthly bill. I was assured this was my last and final payment needed. 

In XXXX of XXXX after I receive absolutely zero notifications of a balance due, a collection appears on my credit report from Amsher collection services for XXXX. I contact XXXX directly to obtain details on the charges due and am informed they are unable to give that information due to the fact that it has been turned over to a collection agency and I must contact Amsher directly. I continued by contacting Amsher directly, in which they inform me that they are unable to give me details just that it was final charges. They state that they will request the final bill be sent to me. I have also not received this notification. I again contact XXXX over the phone and am informed to go into an office and they can print out the billing and payment history for me. I proceeded to a XXXX store, where I was informed that their system can only go back six months and they are unable to help me. After reviewing my last bill of {$130.00}, I noticed that the address it is addressed to is incorrect ( pg 22 of 22 ) however my correct address is on the bill highlighted on page 2 of 22. Nobody is able to tell me what these charges are for or why I owe them after already making my final payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions 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:
I have sent certified mail about XXXX XXXX XXXX # XXXX payment is history is inaccurate, please method of verification of late payments. All the parties involved in the investigation : Full Names, Phones, Addresses, Documents, and Dates. I have to right per the Fair Credit Act to request this 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 2020-07-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried to cancel my Checking ( XXXX ) and Savings ( XXXX ) accounts with Citibank multiple times via phone and chat. I have been told that my account would be closed, but I don't have a record of this exchange because Citibank does not allow you to send them email communications. 

On XXXX, Citibank charged me an account maintenance fee ( XXXX $ ) and an overdraft fee ( XXXX $ ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This matter stems from a rental property in XXXX XXXX XXXX, XXXX owned by XXXX XXXX XXXX. My son and I moved into the property on XX/XX/2016 after moving from XXXX. Once in the home it became apparent there were several urgent repairs needed. I contacted XXXX XXXX about the problems and they told me someone would be coming out to do repairs but they never did. I continued calling as at this point the fence had fell in ( just to mention one thing ). XXXX XXXX was well aware when we moved in we had dogs and the fence was mandatory. Finally, after 2 weeks of attempts to contact them, instead of making necessary repairs, they served me with an eviction notice. I was working for a law firm so they reached out to XXXX XXXX 's legal counsel and a made settlement agreement for {$1700.00}, this included 30 days of rent and half the security deposit. It was agreed we would vacate XX/XX/2016 and no further collection efforts from either side would be pursued. 

It is my understanding Hunter Warfield ( a collection agency ) was hired by XXXX XXXX XXXX to collect {$1900.00} from me in violation of our settlement agreement. I have sent Hunter Warfield the settlement contract from XXXX of 2016 along with receipt of payment at least 3 times. In response they sent me the settlement agreement back and said their client ( XXXX XXXX XXXX  ) confirmed the debt. 

At this point there is no way they do not know this was settled but it is still listed on my credit report. I have been trying by mail, phone and email to settle this matter for more than 2 years now. Hunter Warfield will not cease collections and have the collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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 information incorrect

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3. XXXX, Equifax and XXXX assumed this role without permission not only that I never did give my consent. XXXX, Equifax and XXXX did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. XXXX, Equifax and XXXX did not exercise grave responsibility, XXXX, Equifax and XXXX were unfair, XXXX, Equifax and XXXX were partial. 

I am taken the liberty to file a CFPB report and an attorney general 's complaint. XXXX, Equifax and XXXX never had a permissible purpose Under 1681 ( b ) 2. I never instructed XXXX, Equifax and XXXX to furnish this report and I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/XXXX I submitted a dispute to Transunion through XXXX XXXX for an itme on my report. Note that at the same time I also submitted the same dispute to XXXX and XXXX and by today, XX/XX/XXXX both of those agencies have long since investigated the item and removed it from my report. 
I received an email confirmation that the dispute was submitted to Transunion on XX/XX/XXXX and also a confirmation along with a file number appears in my XXXX XXXX account. 
When I had still not heard from Transunion I tried calling to follow up. Transunion denies that I filed the dispute despite my proof and the fact that the other agencies did receive it and remove it. Not only did they deny that I had disputed the item on XX/XX/XXXX they gave me the run around as to what I was doing and were rude and unhelpful. 
The law states that they have 30 days to address the dispute which they did not do and despite the fact that I have proof of submission they refuse to help me. XXXX did finally agree to resubmit after arguing in cicrcles with me on the phone for over an hour and talking but that is setting the clock further along and is not what they are legally obligated to do.

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 2018-07-16
Company: Convergent Resources, Inc.
State: SC
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 wrote to XXXX XXXX XXXX and advised them that the collection account they took over was a fraudulent account and that it was already given to two other collections agencies within the last 6 months. There were two previous complaints filed with CFPB concerning this same debt, XXXX XXXX had this account and closed it out XX/XX/2018 complaint number XXXX, XXXX XXXX also got this account shortly after and once given the FTC report closed it out on XX/XX/2011. After XXXX closed out the account Convergent picked it up. XXXX sent me a letter stating that the account was valid because it had a bill attached, a bill does not mean that the account is mine. This was an account that was fraudulently opened in my name. This bill is not mine regardless of who XXXX sells this account to. I am not going to be responsible for an account that had no knowledge of.

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 2021-04-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft. After discovering it on a credit report I followed the guidance found on Identitytheft.gov and submitted a packet via certified mail containing an Identity theft affidavit as well as a police report and the required documents for Identity verification. Experian sent a letter back declining to block the information from my report which is a clear violation of Section 605B of the FCRA.

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a police report with our local police department, case number XXXX, in regards to XXXX XXXX XXXX XXXX, and XXXX XXXX accounts that do not belong to me. I disputed these accounts with XXXX Transunion and XXXX  and also provided them with the police report. 

After their investigation, XXXX  Transunion, and XXXX refused to remove these accounts. Yesterday, I contacted XXXX fraud department who agreed that these accounts did not belong to me. XXXX  fraud department can be reached at XXXX XXXX XXXX XXXX XXXX. ( I spoke with XXXX XXXX. 

On a hunch, I decided to look at my husbands credit report, and bankruptcy creditor list from a few years ago and found his old XXXX  XXXX account listed on my credit report, I have never been a joint account holder on my husbands XXXX  XXXX, or XXXX  XXXX accounts. 

As of now, I do have an active XXXX XXXX credit card. The other charged off XXXX XXXX accounts do not belong to me which doesnt make sense that XXXX XXXX would issue me a credit card if I had recently charged off to previous credit accounts. 

Bottom line, XXXX  Transunion, and XXXX are not investigating which has hurt my family and I financially in regards to being denied credit or better interest rates.

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 2019-10-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Addresses are reporting on my credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX improperly represented themselves as working on behalf of apartment complexes who charged off the debt I owed. Two representatives stated that the apartment complexes would not accept less than 70 % of the debt. One manager stated that " the client '' not accept less than 80 % on a debt, and constantly referred to the client being the entity setting the terms on this charged off debt. When I spoke to a third manager today, XXXX, I told him that I contacted the apartment complexes who confirmed they charged off the debts and that none of the money I paid would be sent to them. XXXX stated " That is correct. The apartment complexes wo n't get the money, their management companies will. '' This is also inaccurate as I contacted the management companies for both of these complexes and they also confirmed that none of the money I would pay would go to them. I recorded our conversation where he states that money would go to the management companies of these apartment complexes, and have attached them. XXXX then replayed my conversation where I spoke with the previous day, which I also recorded but was not able to add as the file is too big. I can provide a copy upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off the loan on XXXX XXXX with Shellpoint Mortgage. My husband called to get instructions on how to pay off the loan and get the title and XXXX release that we need for our single wide trailer. After paying it off, my husband called XX/XX/XXXX or XX/XX/XXXX about getting the title and the lien release that we need. We have not received anything for this paid off loan. My husband called again sometime in XXXX, again we still have no documents. I called XX/XX/2020 about getting the lien release and title, the customer service rep told me that that should have already went out. She put in the request and I will have it within a normal mailing period. I called again on XX/XX/2020 to get an update about where the title and lien release was, the customer service rep said that I will need to send my request in an email. When I told her that I know I am suppose to have a lien release in 30 to 60 days, and it has been all of that plus more. She then told me that they can only provide a statement saying that the loan is paid off, not a lien release. XXXX Not sure how that works, when the lien holder has to provide a lien release showing the DMV that the lien has been paid off XXXX. She emailed the statement to my husband. I emailed my request on XX/XX/XXXX also, and still have no response or documents that I have request. The only thing we received was a letter in the mail on XX/XX/2020 saying that they are working on our request. Which I'm guessing was the email that I sent requesting an update for where the title and lien release is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX XXXX and TransUnion and have not receive this information. It has been over 30 days. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My original date of disputing this account with the credit bureaus was XX/XX/XXXX. On XX/XX/XXXX I contacted the debt collection agency named LVNV FUNDING to advised them that the account they are reporting to XXXX is fraud and does not belong to me, and that I am a victim of identity theft, and asked them to stop reporting the fraudulent account to my credit file and to remove it from my credit file or report it as does not belong to me, so that XXXX can delete it. They advised me to send in documentation such as : Police report with the disputing acct number on it and its origination date. Proof of identity. Tax returns showing my address, and a written letter explaining why I was disputing the item. I faxed all supporting documents to them on XX/XX/XXXX. As of XX/XX/XXXX, LVNV FUNDING reported this fraudulent account back to my credit file with XXXX again. They keep reporting that it belongs to me, when in fact they have no proof it belongs to me. This item has been removed off my credit file with two other bureaus. But for some odd reason, LVNV is reporting that is belongs to me with XXXX. I have been disputing this account since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I called on XX/XX/XXXX in regards to my late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX payments. I never received an email indicating that my account was past due. The credit card lender never called or sent mail to identify the problem. Without further notice the account was closed by the credit card lender in XXXX XXXX have requested proof of mail or email sent in regard to late notices and requested monthly statements dating back to XX/XX/XXXX. All I received was a notice stating that I changed from paper mail to electronic mail without a specific date from shop your way mastercard by citi bank.

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 2020-07-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2020, Rushmore Loan Management sent a letter stating my FICO credit score was below 720 based on a FICO score obtained from XXXX. My HELOC was suspended immediately. I requested an investigation and the HELOC was reinstated when on XX/XX/2020 when Rushmore 'pulled ' a FICO score and credit report stating the FICO score is XXXX. For context, the XXXX score is unchanged from XX/XX/2020 when I provided a copy of the FICO score to Rushmore after its letter stating my score was below 720. My credit history did not materially change in 2020 to warrant my score increasing by 3.5 % ( say XXXX to XXXX ) between XXXX and XX/XX/2020. 

On XX/XX/2020 I wrote to Rushmore to provide evidence of the FICO score Rushmore obtained on XX/XX/2020 from XXXX. To date, Rushmore has not provided me a copy of the FICO score it obtained from XXXX. Moreover, XXXX  has no record, nor any other credit reporting agency have any record of an inquiry on my credit report to obtain a FICO score on XX/XX/2020 by Rushmore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance on my XXXX credit card has been reported inaccurately since XXXX 2017. I contacted TransUnion and XXXX to correct this problem on XXXX XXXX, 2017 and again after the disputed results remained inaccurate. The balance on the account has been {$0.00} for over a month and I submitted the XX/XX/XXXX bill to TransUnion with all transactions and {$0.00} balance as proof. XXXX reports are accurate in both XX/XX/XXXX and XX/XX/XXXX and shows a {$0.00} balance. TransUnion shows a balance much higher than my credit limit, as owed. This inaccuracy continues to negatively impact my credit score.  The TransUnion File # is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: National Credit Systems,Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I called to set up a payment plan with the company made my first payment and asked if there was a way for me to get a copy of the payment plan for my records in the event that i want to show it for proof when renting an apartment and was told that they can not give me no such thing and i believe that is not right if i am paying it off as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
Not updating my credit report and I don't see my scores, and delete all errors

Company response to consumer: Closed with explanation