BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-09
Company: Olympic Credit Service Inc.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
on XXXX17 at XXXX I called the collection agency to inquire about my debt that XXXX XXXX XXXX ( XXXX ) had handed over to them. I was transferred to XXXX, who is in charge of my account, I asked how much I owed, what my payment options are, and if I could n't settle the debt for less. When I could not afford the {$300.00} plus monthly payment XXXX XXXX tone with me became extremely condescending and she hung up on me. 
I called back around XXXX XXXX and asked to speak with a Supervisor and was transferred to XXXX, to make him aware of how XXXX treated me, XXXX went over my debt with me and I asked if he could inquire with XXXX about settling for less, XXXX XXXX tone became very volatile and he stated " that 's not going to happen, I 'm not going to do that '' he also said he 's been down this road for year and it 's a " state thing '' and was inquiring where I went to college and if I work or when i 'm getting my degree, he ended up hanging up on me, but before he did he said " i 'm hanging up on you now '' I said, " yes, this is the same treatment I got from XXXX ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received several phone calls from approx XX/XX/XXXX thru XX/XX/XXXXfrom in attempt to collect on a various debts that they claim I owe money for. Upon first contact they have claimed to mail out a collection letter yet I have not seen any that im aware of. 

I have requested every time that I would like verification in writing to prove that I owe the debt to this company. They have failed to do so to this date. 

I have done several disputes on my credit in attempt to remove these collection accounts from my credit and they refuse to show proof of the debts listed on my credit yet they have refused to remove them as well. 

I have also called several times over the past year on my own behalf and requested verification in writing that I owe the debt and they told me no that they did n't have to or that they could not do it for random reasons that did not make sense to me. 

Its my understanding that the law states that they have to show proof to me in writing and verify the accounts. 

The company info that is on my credit shows up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I believe this is the same company as XXXX XXXX XXXX Along with placing 12 items on my credit some of the items they have placed are duplicate entries that have dropped my score even lower and despite several disputes they have also refused to remove the duplicate copies of the accounts on my credit as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
There are inquires that is on my credit report that I did not authorize. They are XXXX, XXXX, XXXX XXXX, and 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 2022-03-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: Experian Information Solutions Inc.
State: UT
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:
Have a settlement agreement with company my payments are current. This company has not update my payment status or my added payments to my credit report and also they have not changed my balance.

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 2017-07-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I purchased my home in XXXX, CT for $ XXXX. I took out a loan with XXXX for $ XXXX. InXX/XX/XXXXour family began to experience financial hardship. We have a daughter with XXXX XXXX XXXX XXXX. She has been hospitalized in the XXXX XXXX and XXXX XXXX over 6 times by the age of XXXX. I contacted XXXX about a loan modification. On XX/XX/XXXX XXXX denied my request and in XX/XX/XXXX my loan was sold to XXXX XXXX XXXX. For two years, with the help of Attorney XXXX XXXX, I tried to get a loan modification with XXXX XXXX. They kept prolonging the process because of missing documents, etc. They were a very disorganized company. In XX/XX/XXXX the loan was sold to XXXX and I had to go through the loan modification process all over again. In early XXXX I hired XXXX XXXX XXXX XXXX, Attorney XXXX XXXX, to help me with the loan modification process and to try and keep out house out of foreclosure. Then on XX/XX/XXXX the loan was sold again to Rushmore Loan Servicing. I worked with Rushmore for a year to try and get a loan modification. In XX/XX/XXXX, I had a scheduled court date with Attorney XXXX XXXX. He was a no show and later that week I found out through social media that XXXX XXXX XXXX was no longer able to practice law. His paralegal kept sending me email notifications that XXXX XXXX would do right by me and my family. The night before the court date, I received a text from Attorney XXXX  that he would be at the mediation. On that court date in XX/XX/XXXX, where I had no representation, Rushmore came back with a loan modification offer which was higher than what I was originally paying. Without representation I feared the house would go into foreclosure, so I went to family for assistance with the loan mod payments and accepted Rushmore 's loan modification offer. At the beginning of XX/XX/XXXX we listed the house for sale. There has been minimal activity with no offers. We are now in a situation where we need to do a short sale because there is a second line of credit on the house with XXXX. XXXX made an error and recorded the lien twice on the house with the town of XXXX and I have asked them to rectify this. There is no resolution with that as of filing this complaint. Rushmore provided me a pay off amount of {$310000.00} onXX/XX/XXXX and then changed the payoff amount to {$310000.00} on XX/XX/XXXX. We have made two mortgage payments of {$2300.00} and we made a payment of {$4700.00} in XXXX so I do n't understand the justification for the {$2000.00} increase within a three week period. As you can see from all of these facts, the whole situation is a complete mess and I am in need of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2700.00}

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 2022-03-04
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 fraud alerts or security freezes

Complaint:
I have contacted Transunion on most recently XX/XX/XXXX and XXXX. I was told that I could go their website to remove the alert which on 5 occassions I am given an erroe code that it cant process my request at this time. 
I have called on 5 occasions as well and was told that the representative cant remove the alert due to an computer error.

I have never instructed Transunion to place an alert on my credit file!

This has caused me two incidences where I was denied credit because my cerdit file could not be accessed!

I was told to send a letter with a copy of license, social security and proof of current address which I have done on two occassions and have attached here as proof

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 2018-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found a late payment for XXXX 2017 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my final chance giving you the opportunity to remove this debt off my credit. There is not debt that I owe. You are the company that is reporting this debt on my credit not the original creditor, so therefore it is your responsibility to remove the debt if you can not validate the debt. You have not provided the contract showing that you are representing the company to have jurisdiction to put anything on my credit. I have NOT signed a contract with you what so ever! The company that you are stating that i owe has not reported anything on my credit, and unless you have jurisdiction to do so and can prove that I owe this debt, you cant either. Again, your final warning or you will be sued!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Midwest Recovery Systems
State: AK
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:
On XXXX XXXX, XXXX, I checked my credit score which showed a payday loan in collections from Midwest Recovery. 
On XXXX XXXX, XXXX, I tried contacting the debt collection agency by phone to verify this debt check the statute of limitations, original creditor and ask for validation including all transactions. All phone numbers listed for this company are out of order. 
I do not recall obtaining a payday loan. I need this off my credit report. I need this company to verify and validate, they have violated the FDCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, Bank of America, blocked my credit card that we had with them since XXXX, without notification. They lost my, and my wifes Social Security number, and wanted me to replace the numbers without telling me what happen. My wife is a handicap individual and uses this card to purchase on line. Many years ago we had identity theft. Due to this, and because this was a charge card, I did not give them our numbers. Bank of America claims that they sent me a letter in XXXX. ( I did not receive one nor do they have a return receipt. ) I believe that they blocked our cards due to their own incompetency, and that created server social and financial embarrassment to myself and my wife. This complaint is the first step that we will take. I intend to have us made whole for our time, embarrassment, and loss of credit power on this incident. 

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 2022-08-11
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2022, I discovered an inquiry on my Experian for a department store credit card ( XXXX XXXX ). I immediately called XXXX XXXX at XXXX pm on XX/XX/2022, and was told by the representation that NEITHER my Social Security number nor phone number was used to apply for the card. I tried to call Experian the same day and was told I would have to call Monday morning. I called Experian Monday, XX/XX/2022, at XXXX am and spoke to XXXX. I was assured the error would be removed and a message was posted on my account for a year. I was also told Experian would contact the other two credit agencies. The information was not removed in the 24-48 hours and I contacted them again to get it removed. Experian is telling me it has to come from XXXX XXXX. XXXX 's tells me since none of my contact information could be mirrored on any of their accounts it was an Experian issue. My credit is XXXX and I am trying to increase my score. I disputed several items on my account which were removed immediately, however, this is a blame game with XXXX XXXX and Experian. If I didn't apply for a XXXX 's card it should be removed and investigated. I have not been impressed with Experian. For a two-month period, my balance was not updated. Experian suggested I contact the companies who hold my debt. I contacted XXXX and XXXX XXXX and both told me they report each month and it was an Experian issue. A few days later it was corrected. However, it is apparently clear that when Experian makes a mistake they want to defer it to someone else instead of fixing it.

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 2019-06-22
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: Information belongs to someone else

Complaint:
The following account had fraudulent charges made on it and they have re-aged the account as well. The date open is wrong and the date of major delinquency is re-aged and wrong. The credit limit is not listed and it is also listed as a factoring company which it is not. 

XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO-XXXX Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$660.00} Type of Account : Open Credit Limit : {$0.00} Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$660.00} Date Reported : XX/XX/XXXX Amount Past Due : {$660.00} Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : 14 Creditor Classification : Financial Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Consumer disputes this account information 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR CA XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
XX/XX/XXXX I requested that all the personal information on my credit profile be updated. 
XX/XX/XXXX a report showed XXXX was in fact updated. 
XX/XX/XXXX I received a report showing that the removed information was in fact placed back on to the consumer report. 
XX/XX/XXXX via CM : XXXX a failure to update XXXX  letter was sent to Experian with no response. 
XX/XX/XXXX I was denied a line of credit due to this agency blatant disregard for my consumer rights.

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 2017-07-07
Company: Receivables Management Corporation
State: GA
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:
I have made numerous attempts to Receivables Management Corporation located at XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX to validate my alleged accounts with them after receiving threatening and harassing phone calls. My request for validation is responded to with form letters stating they have no duty to provide verification. <P/>This company is in direct violation of the FDCPA. I have requested the account be returned to the original client for further validation, but they have refused. <P/>XXXX is stating I have an outstanding balance of {$2700.00} from XX/XX/15.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: CITIBANK, N.A.
State: TX
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:
Citi bank ( CBNA ) did hard inquiry on my account on XXXX XXXX XXXX. I did not apply or even try to get their service.

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 2022-03-04
Company: Paypal Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a phone call today from XXXX XXXX collections regarding paypal charges that were made in XXXX of XXXX. In XXXX of XXXX  my identity was stolen as you can see from the history of my complaints. I was notified by some alerts from XXXX XXXX that someone was trying to open a {$10000.00} credit line in my name. Charges were added to the account and then reversed when I called paypal to speak with them about the identity theft. I am now being told that because the charges were reversed and items that someone else bought were never paid for, I am now responsible. These charges need to be removed. I am not going to pay these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation