BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy on my credit report from XX/XX/2016 and this bankruptcy is being reported inaccurate in every way. I disputed this bankruptcy and some how it came back verified, there are so many inaccuracies with this bankruptcy, the first thing that is being reported inaccurate is the name of the court where the bankruptcy was filed, the name on the bankruptcy being reported by XXXX  is being reported as MA FED COURT-XXXX, this is inaccurate because I did not file for bankruptcy in a federal court, the bankruptcy should be reporting as US BANKRUPTCY CT XXXX MA, XXXX is reporting it as US DIST CT, and transunion is reporting it as US BANKRUPTCY COURT, by law the credit reporting agencies must report all of the information on a credit report 100 % accurate without any mistakes. The credit bureaus are also telling me that this bankruptcy has been verified by the court and that is a lie because I contacted the court that is listed as the data furnisher and they told me that the court cant and will never share bankruptcy information with the credit bureaus, so if this is the case then these people are breaking the law. By the fair credit reporting act, credit bureaus cant report inaccurate information on a consumers credit report, and this bankruptcy is not 100 % accurate.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXXXXXX {$4900.00} DEPTEDXXXX {$2800.00} XXXX {$2100.00} XXXX USDEPTEDXXXX {$2800.00} XXXX {$0.00} XXXX {$6000.00} DEPTEDXXXX {$6000.00} XXXX {$6000.00} XXXX {$3500.00} DEPTEDXXXX  {$5800.00} XXXX {$0.00} XXXX {$1000.00}

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 explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, 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:
I am filing the complaint against Equifax, XXXX, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Rocky Mountain Capital Management
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that there was a new account on my my XXXX and XXXX  credit reports for ( XXXX ) XXXX XXXX XXXX  as a charge-off. I contacted XXXX on XX/XX/18 @ XXXX and spoke with XXXX who told me that they sold this debt to Rocky Mountain Capital Management. I informed him that this is not my debt and he stated that XXXX no longer has access to the system that has the original documents for this loan and can not verify anything. This sounds like fraud to me! I informed him that This is not mine and to remove this from m y credit reports and to never contact me again and also informed him that In Oregon you have to have a license to do business such as payday loans which XXXX is classified as and they do not have a license in Oregon. You also have to have a license to collect debt which Rocky Mountain Capital Management is also not licensed. I have attached documents showing these companies have no licenses in Oregon. They are also not found in the XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX This company is reporting DIFFERENT DATES OF LAST ACTIVITY. 

XXXX XXXX XXXX This company is also reporting DIFFERENT DATES OF LAST ACTIVITY.

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 2016-01-22
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification for over 4 years with my lender ( s ). Last summer I was denied based upon the LTV not over 80 %, but the lender would not tell me what valuation they were using despite multiple requests. The home went back into foreclosure during the fall. The lender said I could re-apply for a loan modification, but kept telling me the application was not complete. They made several mistakes then set up a sale date which they will not postpone despite my loan modification being under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018, I contacted Capital One about a charged off debt that was reported on my credit report. The information reported was a charge off amount of {$890.00}. I explained to Capital One that this account was not mine and requested any written evidence of my owing for this account as well as presented my FTC report indicating that I was a victim of Identity theft. Capital One responded that the account was verified without offering any explanation of how it was verified. To date, Capital One continues to report this fraudulent account which has a negative impact on my credit score in all credit reporting agencies. Capital One has not and can not provide any credible evidence that I am responsible for opening this account. I maintain that I did not authorize the opening of this account or benefit in any way from this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
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: Account status incorrect

Complaint:
I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance. 

XXXX has responded with an update as of XX/XX/XXXX. Document attached.

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 2019-08-27
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I requested a XXXX  XXXX request for forgiveness of my loan in XX/XX/XXXX. It was not approved until XX/XX/XXXX, in which they are now today, XX/XX/XXXX telling me that they mailed a letter requesting additional information. 
I asked for the history of the loan to verify that I had 3 loans with them. Because to my knowledge, I only had one consolidated loan. The servicer at XXXX stated I have a total of 3 loans 2 with them but one with XXXX from the years of XXXX and XXXX. I requested history to confirm. They stated they did not have anything like that. I asked for the supervisor who in turn gave me as of XX/XX/XXXX, the original balance that they were given was {$5600.00} for one loan and the unsubsidized part B of {$5900.00} was the 2nd loan. Which totals {$11000.00}, which is on my report as well. The loans are the same loans being report 3 times differently on my report. 

I am disputing the validity of the actual amount and the handling of this loan with this company. I would like a thorough review. Because this is harming my chances to obtain housing since I have been displaced without work since my injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX are reporting incorrectly a collection in the amount of {$540.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) I returned XXXX XXXXs equipment pursuant to the packing instructions provided by XXXX XXXX, and now they are alleging that I never returned their equipment and consequently I am being sent to collections. I never received credit for returning the equipment. I do not owe this debt. I returned the equipment as instructed, and it is not my fault that the equipment was misplaced at the warehouse/storage facility. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-05-24
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received collection calls about a XXXX debt from Midland Funding / Midland Credit for about {$1300.00}. I told the person at the time that I don't know a XXXX  debt, that I don't have any credit card debt for that amount, that I have been dealing with stolen Identity and requested proof of debt. 

They told me they purchased the debt and said they would note my account as disbuted, I have never received any documentation. To date I still don't have details. 

In the meantime, I have since found out that my identity was stolen from an anesthesiologist office prior to 2016 and am now a monitoring member of the class action A week ago I was served with a summons that I am being sued for said debt in XXXX county. Today I contacted Midland about the suit and they confirmed that the account is listed as and currently disputed and gave me the Attorney 's office number which I contacted and also explained above, he said he will note the account as disputed, when I asked what it meant for the law suit he just said he couldn't give me legal advise. So tomorrow morning I have to go to the courthouse to file a response over something that was disputed and never substantiated. 

The person I spoke to at Midland today confirming the account is listed as disputed is XXXX XXXX and the person at the attorney 's office was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is regarding my father 's home.He XXXX XXXX in XX/XX/XXXX.I was the executrix of my father 's will and continued to make payments, it was n't until the court appointed an administrator that everything bad happened.The administrator was hstile toward the heirs and since he is a friend of the judge 's, the judge never made him accountable to anybody.When I learned that the house was going into foreclosure I got my own attorney to negotiate with the lender but since I did n't have authority the mortgage company did not talk to us.I tried numerous times to talk to the administrator but he never contacted me.I did not know that he never attempted to negotiate with the lender and the next thing I know there was a date set. 
The administrator who was the only one with authority to talk to the lender wanted to unlawfully evict my sister, who has lived in the house over 30 years.He called the lender and told them to winterize the property, I believe that there was collusion between the parties.The mortgage company send XXXX XXXX and instead of putting a notice on the door, the removed the front door and damaged the interior door and proceeded to winterize the property even though there were signs in the house that it was occupied.XXXX XXXX also robbed our home of all of our family possessions.My family came from XXXX XXXX and all the heirlooms were stolen.I called XXXX and told to repair the damages and return our belongings but was told only the mortgage company could authorize that.XXXX changed the lock on the front door and they had the key, they have broken into our home a total of 4 times.I called the police only to be told its not criminal but civil.I filed a complaint with the ohio attorney general and was told to complain here.Someone has to hold these companies accountable.Just because you get a mortgage does n't authorize them to break into your home and steal and do damage.

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 2019-05-24
Company: Resurgent Capital Services L.P.
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:
2 accounts for the same company were paid in full and closed are showing on all 3 credit bureaus as open and delinquent. I disputed online with all 3 bureaus and I also disputed via telephone with all 3 bureaus as well as sent in proof of payment on several occasions. The account was sold and I also disputed with the 3rd party. 

Both accounts were paid in full and closed on XX/XX/XXXX. 

These accounts were sold and placed in all 3 credit bureaus as negative and open on XX/XX/XXXX and XX/XX/XXXX and both are still showing on my reports which are affecting a home purchase by lowering my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Collection Bureau of America Ltd.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a debt in collections on my credit report since 2013 I have no idea what it is or what it's for but the amount goes up a dollar every 7 days that passes I have tried to dispute it but I've got nothing I really need this removed off my credit report it is really hurting ability to build my credit. The amount is XXXX since XX/XX/2013 I am really confused on what its for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no  judicial system releases information to second or third parties because its illegal and I can sue them.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a victim of fraud and this company is reporting numerous accounts on my consumer report i have asked this company to remove these accounts and they refuse to i have a FTC report and the number is XXXX. 15 usc 1681 A section 2 states that a consumer reporting agency can not furish a account without my written instructions and i challenge this company to provide the proof that they have my written instructions.

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 2017-11-18
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold am item on XXXX being an XXXX XXXX and part of this condition was only shipping the item I sold to a VERIFIED Paypal member along with person having to live with in the united states. The auction ended and the person made the payment by PayPal. Paypal immediately put a hold on the payment to ensure the buyer got the item. The item was received proof of tracking # was XXXX by XXXX as this showed it was delivere and PayPal has this information. Now paypal is saying since it was shipped to the US and the buyer was XXXX that they are continuing to hold the payment for their safety. My issue is why did paypal take this payment in the first place if this was going to be an issue. They not only changed me the normal fees, but I can gurantee they are making interest off the money until they if ever release the hold on the payment of XXXX. The date the buyer sent payment was XXXX XXXX. I shipped the Item on the XXXX and he received the item on the XXXX. The payment Payment ID is the following XXXX. I am asking Paypal to IMMEDIATELY release this payment as they made me the creditor where it is their business model and I should n't be the creditor as I shipped the item and the person received the item as promised in a timely manner. This is unacceptable as PayPal wants to have their cake and eat it to and leave the responsibility to the seller and not take any blame on themselves. If they do n't want foreign transactions they could of simply blocked it and saved me a ton of headaches. The person has the item I have nothing other than a hold on they money the buyer sent me. This is an awful was to conduct business

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19
Company: Absolute Resolutions Corp.
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: Information belongs to someone else

Complaint:
In XXXX of 2021, I noticed that Absolute Resolutions added a derogatory mark on my Credit report per XXXX XXXX. This derogatory mark is now reporting on my XXXX and XXXX credit reports. Upon further research, this account was transferred/sold and I am not responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature or confirmation of debt does NOT validate the debt. Anybody can send me a bill or notice and tell me it is mine. 

I sent a debt validation letter ( on XX/XX/2021 ) and what was sent to me was a copy of a court filing stating I owe the debt ( by default ). A court appearance that I was never served notice about and therefore never appeared to defend myself. On XX/XX/2021, I requested copies of the original debt statements/payments/ and contract, again stating that I never had dealings with the original creditor and requested these documents so that I could file a fraud report through the FTC and my local police precinct. Instead of these document, Absolute Resolutions again sent me a copy of the court filing, with judgement made by default ( without my presence ).

According to the FCRA, Absolute Resolutions has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Comenity Bank is reporting a unknown amount for an alleged amount of {$480.00}. I am not aware nor was I given note of this amount. Furthermore, the company continues to reage this debt so that it remains on my credit report. The account is more than 7 years old, I have not made contact with the company since 2011.

Company response to consumer: Closed with explanation