BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
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 is not yours

Complaint:
A Certified/Return Mail was sent to this creditor, LVNV Funding LLC requesting that the account # XXXX for the amount of {$680.00} they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. I reached out to them in XX/XX/2019   and my effort to have them explain the legitimacy of the debt they are purporting that I owe them was blatantly ignored. LVNV Funding LLC must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with deliberate speed per the FCRA and the FDCPA. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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:
Someone has been attempting to open accounts in my name without my authorization or knowledge. All the information on this ID theft report is Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
This company has reported this as a new debt and it is several years old. The information on my credit report is false

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 2019-06-10
Company: ACS Education Services
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Certified/Return Mail was sent to this creditor, XXXX c/o ACS requesting that the account # XXXX for the amount of {$40000.00} they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. XXXX c/o ACS must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXXL 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 2019-06-10
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:
There was nothing to explain further I have been sending letters to XXXX and Transunion and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX  ( ORIG CREDITOR NAME : 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 2019-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is the letter that I ended up sending to Bank of America after they denied my claim Dated XX/XX/2019, for AUTHORIZE ONLINE TRANSACTION IN THE AMOUNT OF {$600.00} to a Unknown email address. ****** XX/XX/2019 VIA FACSIMIL : XXXX Bank of America Fraud Department Case Num : XXXX XXXX Regarding our conversation maintain on Friday XX/XX/2019, enclosed please find here prove to sustain that I been a victim of identity theft not just with your financial institution, but also on my primary bank account where I use to do business too XXXX with XXXX XXXX. 

In these paper enclosed, you will find copy of the two ( 2 ) Police Report I have to made to report the incident that I was been involved by been a victim of identity theft. Also enclosed, the letter I sent to XXXX, also the complaint that I have to submit to The Consumer Financial Protection Bureau informing my situation. Sadly for me, thinking that with your institution ( Bank of America ) I will be better protected from this type of case this past Friday I have to heard that your FRAUD DEPARTMENT IS DECLINING my claim, stating finding NO ERROR in that electronic transaction to an unknown email address you guys have registered in my bank account with no previous history of mine registering this email address, person or company, also If you see my previous history I NEVER USED THAT KIND OF SERVICE BEFORE XXXX, or have no contact register there or any other type of electronic transactions. 

Also, on my intent of try to stop this fraudulent transaction, on the same day and minutes after I got the email/notifications of the transaction I PRACTICALLY RUN to the most near institution to report what was happening and that transaction wasnt me, wasnt authorized for me and I dont know the person or email address the thefts was using to send that money {$600.00}. ( Second time in one week had been a victim of identity theft ). I also make reports with the credits institutions informing this situation, you will find a copy of the letter too. 

I hope we can resolve this matter as soon as possible, by having a fair investigation and not making me hired a legal representation to fight for my rights and the money you guys supposed to have secure on your financial institution. 

Any other information need, please do not hesitate in get in touch with me. 

XXXX XXXX XXXX, XXXX email : XXXX I also want to add that this Institution with the delay in resolving this problem been causing me a lot of frustration and inconvenience by not been able to use my funds and by the bank don't been diligent and just denying my claim without proper investigation process.

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 2020-05-16
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:
My XXXX XXXX credit card was stolen in XX/XX/2020 during shipping that is even before I have received the physical card. It was stolen and some purchases made by someone between XX/XX/2020 and XX/XX/2020. It was then identified by Credit card company and blocked the card. Then the company sent me another card and I have received on XX/XX/2020 and I haven't made any transactions then. 

All the transactions on the stolen card was adjusted by the credit card company except the following one transaction for {$13.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH This particular transaction from the stolen card appeared in my new card statement as a balance I need to pay. 

In XX/XX/2020, I have disputed the transaction first time with XXXX XXXX credit card company. 
In XX/XX/2020, I've got the response from the credit card company saying that they will adjust or remove the transaction in 7 - 10 days but it didn't go away. 
I have called them again in early XX/XX/2020 and they said that the adjustment will be reflected in the XX/XX/2020 statement but it wasn't removed from the XXXX statement as well and also they have reported the balance of {$13.00} as a late payment to credit bureau. 

In XX/XX/2020, I have disputed again, once again they have agreed to remove it from the statement but they didn't do. 
I have called them again and finally they removed the transaction in XX/XX/2020. 

It took almost more than 3 months for them to resolve the issue on their side but the negative mark of late payment is still there in credit report. 

Again I have disputed 2 more times with Experian credit bureau and 1 time XXXX  to investigate and remove the negative late payment mark from the credit report but it was failed again and closed the dispute as information is accurate. 
As of today, it is not corrected yet even after all the disputes with Credit bureaus and credit card company. 

I've been with this issue for 4 months still it is not resolved completely causing huge emotional distress and not able to sleep properly for the past one month especially I'm in middle of my mortgage process now where I see some set backs due to this credit report damage. My monthly mortgage payment is increased because of their fault. I'm really tired and frustrated with the way the credit card company and credit bureau are handling this issue. 

I have attached all the communication documents, dispute results from Experian. XXXX  documents I couldn't get but their investigation also failed and negative mark still exists.

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 2019-06-10
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Certified/Return Mail was sent to this creditor, Amsher Collection Services requesting that the account # XXXX for the amount of {$1100.00} since XX/XX/2018 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Amsher Collection Services must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX 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 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I contacted Transunion at XXXX XXXX on XX/XX/2019 and spoke with a representative and explaining sitowith dates and companies involved and their customer service would not care to help me and take care of the negative inquiries reporting on my credit report.

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 2017-12-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchase my house in XXXX XXXX and paid XXXX for my house then. I fell behind and filled bankruptcy in XXXX. Currently I am upside down on my home and Select Portfolio can not explain why I owe over XXXX for my home as of date.. I do understand there was fees but I should not owe more than I purchase the home over 17 years ago. It is like I stop paying on my home for 17 years in order for me to owe more than I purchase the house for in 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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This item was opened fraudulently using my information on XXXX/XXXX/2019. The collection agency XXXX XXXX XXXX, has since contacted me profusely about this debt. I've since filed identity theft and disputed with the Collection agency itself sending a notarized letter and affidavit, yet the discrepancy remains on my credit report.

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 2019-06-10
Company: Atlanticus Services Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I made my regular payment of XXXX to fortiva credit. On or around XX/XX/XXXX, I called to check my balance. The next payment for XXXX XXXX which included a XXXX late fee. I contacted a fortiva agent who told me the XXXX payment was 20 minutes late but that she would waive the late fee. Approximately one week later I telephoned to check to see if the payment had been decreased and it remained at XXXX. I again contacted a fortiva agent who assured me that even though the late fee is normally deducted from the balance, that because the previous agent had told me the XXXX pymt would be XXXX, not XXXX, that a correction, reducing the monthly payment would be made. He assured me that the matter would be handled but that it would take a out 10 days. After about 14 days, I registered a complaint with fortiva at the address provided on the statement. The response was that my letter had been received. " OUR RECORDS INDICATE THAT A LATE FEE OF XXXX was processed to your account on XX/XX/XXXX. A review indicates that the last payment was posted on XX/XX/XXXX and the current balance as of XX/XX/XXXX is XXXX. '' There is no mention of the XX/XX/XXXX payment. Regarding the XX/XX/XXXX payment, the statement I received for XXXX shows XX/XX/XXXX as posting date and not XX/XX/XXXX which would have the date if payment went to next date. The XX/XX/XXXX was a late fee credit and has nothing to do with info I received regarding the XX/XX/XXXX pymt. Fortiva continues late fees and makes calls to me at least 2 to three times a day regardless of my explanations. I relied on info given me on XX/XX/XXXX. I have continued making payments. Any help will be appreciated. Fortiva credit is XXXX XXXX, MO.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im filing a complaint about XXXX, I have called XXXX and go hung up on or j cant dispute any information on my report I have two inquiries on my report I want to dispute as fraud I dont recognize and they do not belong to me, XXXX and XXXX XXXX XXXX, XXXX XXXX, please remove these inquiries I have filed a FTC identy theft report, i want these removed and block, I have not checked my credit report, I want these inquiries taking off, they are not factual when its fraud and a consumer does not recognize or have not checked there credit report, XXXX  has poor customer service, nobody seems to want to help so please remove

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 2018-04-02
Company: EQUIFAX, 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:
I began disputing these items with XXXX XXXX, XXXX and Equifax beginning on XX/XX/XXXX I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 In XX/XX/2020 I reached out to WFB for a forbearance regarding my mortgage due to COVID 19. I was 2 months behind on my mortgage at that time. In speaking with the representative from home preservation I was granted forbearance for XXXX, XXXX, and XX/XX/2020. 

I spoke with the same Home Preservation Specialist twice. The first time was to ask for forbearance and inform her I was had late payments. I wanted to know if I'd qualify for forbearance with late payments? The second time was after she checked with management to confirm that my late payments would also be rolled to the back of my mortgage. In the second phone call, she assured me that my late payments would be rolled to the back of my mortgage along with my 3 months of forbearance for XXXX, XXXX, and XX/XX/2020. At the close of the conversation, the Home Preservation Representative said she made specific notes in my file and assured me both times we spoke that my late payments and my three months of forbearance would be put on the back of my mortgage loan.

I was contacted by WFB in XXXX for check-in and offered an extension on the forbearance until XX/XX/2020. 
In my conversation with the Home Preservation Representative, I explained I was 2 months late on my mortgage, and I was told by the 1st.representative that those late payments would be rolled to the back of my loan along with my 3 months of forbearance for XXXX, XXXX, and XXXX. At that time on the phone, I was assured that my late payments and forbearance would be put on the back of my loan for XXXX, XXXX, and XX/XX/2020 aslo. I specifically brought up my late payments with WFB and that home preservation specialist said she saw my notes and confirmed the information was correct. 

On Saturday, XX/XX/2020 XXXX from WFB called and said the investors were looking into my loan and they needed to do a document review and that I was miss informed about putting my last payments on the back of my loan. That I had 3 late payments and to bring the loan current for {$9600.00}, or I had a chance to go into foreclosure and that I was having problems making my payment before the forbearance and that's why the wanted to conduct a documents review. 

I explained my prior conversations with the last 2 Home Preservation Representatives with dates and in my notes it was documented that my late payments would be moved to the back of my loan. 

XXXX confirmed that the notes were in my file I can see those notes and they do say that but the investors said that was a mistake and they dont do that anymore. But I would feel the same way you do if about this. 

I did escalate a complaint with WFB here is my case number XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. 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 2020-07-05
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:
I mailed 3 letters certified to all credit bureaus stating that I was not late on 2 businesses. However, after I mailed the letters I contacted the business establishments myself and mailed them a copy of my bank statements showing that I was not late on any payments with them due to my grace period I have with them. XXXX XXXX as we as XXXX XXXX XXXX XXXX XXXX stated they would update their information. I received my report back from XXXX showing they updated, but as usual Experian are liars and did not even do an investigation but yet said they did and did not remove he lates showing on my report. Please have them immediately update their records and if I am at all able to file suit against Experian I would like to do so. I have also sent a copy of the report from XXXX and the letter from Experian. I had told all bureaus I had a grace period of 10 days with XXXX XXXX and 6 days with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . However, I had until the XXXX of the month until my mortgage was considered late.

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 2019-06-10
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: Account information incorrect

Complaint:
Ive sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reponse. Also, Ive made contact with Experian multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation.

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