BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: Resurgent Capital Services L.P.
State: IN
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:
Past Due : {$2000.00} XXXX XXXX I sent a letter to LVNV asking for Debt Verification for Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with LVNV XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed XXXX XXXX and they did not respond. 

XXXX XXXX who said they were representing LVNV said my Balance was {$500.00}. LVNV said to the Bureaus it was {$2000.00}. Neither, XXXX XXXX, LVNV LLC or XXXX XXXX  or XXXX  XXXX sent me a Debt Verification showing the Debt was mine. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and XXXX XXXX for the Original Creditor XXXX  XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. 

So now XXXX  XXXX failed to verify to the Credit Bureaus and the XXXX  XXXX account was removed off my Credit Report Completely. 

But XXXX  and XXXX XXXX are still allowing the Collection Agency LVNV LLC on my report even though they determined the XXXX  XXXX the Original Credit was to be deleted. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and XXXX XXXX for LVNV XXXX XXXX and LVNV XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed the LVNV XXXX XXXX and LVNV XXXX XXXX. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX and XXXX XXXX for the Original Creditor XXXX XXXX on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed XXXX XXXX LVNV LLC XXXX XXXX  and XXXX  XXXX have been removed and re added without me being notified in the proper Time frame. 

All these accounts were not verified by proper investigations. XXXX XXXX or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that LVNV is asking from me and the {$2000.00} LVNV is telling the Bureaus.

More than one account collecting for same debt. 
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We are a real estate company representing a couple who are experiencing a financial hardship and can not afford to keep their home. They have two mortgages on the house, the first mortgage is with XXXX XXXX to whom they owe {>= $1,000,000}, and the 2nd lien holder is with PNC Bank to whom they owe {$190000.00} for an equity line. We submitted an offer for {$800000.00} and were approved for a Short Sale with the 1st lien holder on XX/XX/XXXX. They are paying for all taxes, escrow fees, commissions and paying {$6000.00} for the 2nd lien to be released. PNC Bank is not accepting the {$6000.00} as they want a minimum of {$100000.00}. We have tried negotiating with them sinceXX/XX/XXXX as we do not want the home to go to foreclosure but it has all been in vain. We have lost several offers due to them not willing to come to any terms and automatically close the file as soon as we submit a new short sale request. We don't believe that PNC Bank is negotiating in good faith and is neglecting to cooperate. It is customary that, regardless of the debt, 2nd lien holders get up to {$6000.00} which is what they are being offered. We currently have an active offer for {$900000.00}, we do not want to loose the buyers after all the work that has been done to help our clients avoid foreclosure and this is why we are turning to you for help as you are our last resource.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
INCORRECT SCORING DUE TO INCORRECT INFORMATION It seems that Trans Union has an issue with reporting information inaccurately, at least in my personal info. I've tried to correct it with writing them ( and sending proof ), and calling them but to no avail.

For one, my credit is in good standing with all my creditors and has been for some time ; I do have high balances ( due to bad contractors, etc. ), but am trying to lower them as soon as possible. I've never been late nor have I ever skipped a payment and try to always pay " more '' than the due amount.

I am not one to request account " increases. '' I am happy with whatever I've been granted. However, it seems that creditors, from time to time, will request information for whatever reason they deem it necessary. It's always been Trans Union to discredit my creditworthiness and, whenever someone has requested my credit information, up until today, to Trans Union I either have a " seriously delinquency, '' or " time since delinquency is too recent or unknown '' information. To them, I even have a bankruptcy ... But, no docket number or court information. Up until late last year, my credit score with Trans Union was in the mid 500s, until I sent  them proof of what they stated was holding me back from a better credit score. All my current accounts are in good standing, and have a great payment history. 

Please refer to the attached documents ( just a few ; I have more ) from creditors and note their reasons why my limits have either been lowered or was impacted. 

I sincerely would like you to investigate Trans Union as to their reporting practices and for this reporting agency to keep an accuracy of my credit scoring and information. 

Thank you.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Past Due : {$2000.00} XXXX XXXX I sent a letter to XXXX asking for Debt Verification for Accounts : XXXX XXXX XXXX XXXX XXXX XXXX I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with XXXX XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed PO Box and they did not respond. 

XXXX XXXX who said they were representing XXXX said my Balance was {$500.00}. XXXX said to the Bureaus it was {$2000.00}. Neither, XXXX XXXX XXXX XXXX or XXXX XXXX or XXXX  XXXX sent me a Debt Verification showing the Debt was mine. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and Trans Union for the Original Creditor XXXX  XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. 

So now XXXX  XXXX failed to verify to the Credit Bureaus and the XXXX  XXXX account was removed off my Credit Report Completely. 

But XXXX  and Trans Union are still allowing the Collection Agency XXXX XXXX on my report even though they determined the XXXX  XXXX the Original Credit was to be deleted. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and Trans Union for XXXX XXXX XXXX and XXXX XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed the XXXX XXXX XXXX and XXXX XXXX XXXX. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and Trans Union for the Original Creditor XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX  XXXX have been removed and re added without me being notified in the proper Time frame. 

All these accounts were not verified by proper investigations. XXXX XXXX or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that XXXX is asking from me and the {$2000.00} XXXX  is telling the Bureaus. 
More than one account collecting for same debt. 
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.

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 2019-03-20
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had cancelled my XXXX service. I was told my XXXX that I had 90 days to pay remainder of the bill. Two weeks later it was forwarded to Afni collection agency. They have been harassing me with phone calls. I've never received anything in the mail pertaining to the debt and when they called, I had no idea that I could dispute the amount with them. In fact, I was told that I couldn't dispute. I received a phone call today and the man I spoke to was very rude and called me an XXXX for not knowing I could dispute the debt and he then told me I was lying about not receiving any letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Waypoint Resource Group, LLC
State: CO
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:
Waypoint Resource Group allegedly bought a debt that I " owed '' ( I do NOT believe I owed XXXX any money as I KNOW I paid everything upon terminating service and returned all devices! ) HOWEVER, Waypoint JUST bought the " debt '' WHILE my wife and I were/ ( still are ) under contract to buy a BRAND NEW HOUSE. This " debt '' literally just appeared out of nowhere and knocked my score back nearly XXXX points! Why? Oh, because it says " time since delinquency is too recent '' " length of time since collection is too short '' - UM HELLO? This was nearly seven years ago AND I HAD NO IDEA I OWED THIS MONEY. But what did I do? I IMMEDIATELY PAID IT. And did my score go up? NOPE, because they updated to show {$0.00} balance AFTER I PAID MONEY I DIDN'T OWE, even though they told me they would delete from my credit report!! NOW OUR MONTHLY HOUSE PAYMENTS ARE GOING TO BE AT LEAST A FEW XXXX DOLLARS MORE PER MONTH, BECAUSE OF THIS ONE SINGLE ***PAID OFF*** COLLECTION!! SCAMMERS, DISHONEST PEOPLE.It wasn't even that much money! So rotten. How do they sleep at night??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 wrote a letter to Transunion, XXXX and XXXX asking them to take action to get my inquiries removed from their records and to remove any record of the inquiry with all credit reporting agencies. A police report was uploaded to each company regarding the unauthorized usage. Please investigate these inquiries at your earliest possible convenience to ensure my credit score is showing an accurate depiction of my creditworthiness.

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 2018-04-20
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been before the CFPB before concerning SunTrust bank. After the 2 previous complaints SunTrust refunded fraudulent fees they were charging to my savings account and discontinued the practice of sending me unrequested monthly statements and then charging me for them. How ever as of XX/XX/XXXX the XX/XX/XXXX SunTrust is again fraudulently charging me a monthly maintenance fee of XXXX. This time its my checking account. I have never seen this charge before. This is the first time they have done this as far as I know. 

My account was originally a " XXXX '' maintenance free checking account. that was in XX/XX/XXXX I believe. The only stipulation was that I allowed XXXX to transfer XXXX dollars a month from my checking to my savings. I agreed and sign up for the maintenance free account. Then XXXX bought out XXXX, and my account remain as I sign up for, a maintenance free account. Finally SunTrust bought XXXX, and inherited my Maintenance free account. I have not requesting any changes to my account type or status. It is a maintenance free account and I want it to remain as such. 

For the most part SunTrust follows the account legal agreement and transfers XXXX on or about the XX/XX/XXXX of each month to my savings account which is part of the agreement. they did so on the XXXX of XX/XX/XXXX. The only issue I have with them currently is that they are now deducting a XXXX maintenance fee and my account is a maintenance " free '' account. 

This is the 1st time they are doing this and I want them to stop it before they do it again.

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 monetary relief
Consumer complaint received 2018-04-20
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, Inc.withdrew four bimonthly payments in the amount of {$960.00} each. They were withdrawn on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These payments did not reach my mortgage company the XXXX. When I contacted XXXX , XXXX . I was told that they mailed the payments to XXXX and they will look into where the funds are and get back to me shorthly. This was on XX/XX/XXXX. I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have never lived at this address. 

I would like for it to be removed from my credit bureau on Equifax and any other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I wanted to try to transfer and withdraw my funds but my account got locked. I have bills that need to be paid and I will be homeless  and I won't be able to feed my children. This needs to be resolved immediately. I contacted cash app on XX/XX/2020 at XXXX XXXX. On cash app they say it will take 24 to 48 hours to contact me back and they haven't done so. I tried to send XXXX to a colleague of mine and it declined. After it declined and I tried to withdraw then that's when they locked my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I noticed that PHH Mortgage Services reported that my mortgage loan increased by {$98.00}, causing my credit score to drop 30 points on XXXX and 31 points on XXXX. The loan amount that was reported on my credit reports was {$57000.00}. The correct amount according to XX/XX/XXXX 's PHH Mortgage Services Statement is {$57000.00}. On XX/XX/XXXX, I submitted a dispute to XXXX, XXXX, and XXXX to reach out to PHH and investigate the issue. On XX/XX/XXXX, XXXX concluded that PHH reported the loan amount to be accurate. And on XX/XX/XXXX, Transunion concluded that PHH. The dispute for XXXX is pending. The incorrect balance is still on my credit reports for XXXX and XXXX, and the issue has not been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
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 is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOVERY XXXX XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions 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:
Re : Hard Inquiry/Unverified on my behave I recently checked my credit report with Experian, XXXX, XXXX. 
I have two Hard Inquiries from company : XXXX XXXX XXXX XXXX : XX/XX/2017 Second : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ( XXXX ) XXXX I called many times, left messages to XXXX XXXX XXXX spoke with different representatives, got the turn around.Gave my personal information again and again. I was told that they would forward the information to their supervisor to revise and report the correct information to Experian. Never received update at all from XXXX XXXX XXXX. 
I contact Experian directly to let them know.That the Hard inquiry needed to be reported correctly and Deleted from my credit report.But is still shows

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sirs : On XX/XX/2020, I purchased several items on XXXX for the amount of {$73.00}, using my Synchronic Bank credit card # XXXX XXXX XXXX XXXX. Since the items never arrived, I filed a complaint with the Bank requesting a credit for the total amount paid to XXXX ( {$73.00} ). As of today, XX/XX/2020, Synchronic Bank has NOT credited my account for the items never received. In view of Synchronic Bank 's refusal to credit my account, I contacted XXXX to request a refund of my money. XXXX also refused, claiming that this credit should be made by Synchronic Bank. It is very abusive on part of Synchronic Bank and XXXX that as of today, I DO NOT HAVE THE ITEMS FOR WHICH I PAY IN GOOD FAITH NOR THE CORRESPONDING CREDIT ON MY CREDIT CARD.

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 monetary relief
Consumer complaint received 2017-09-15
Company: Experian Information Solutions 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:
XXXX has comeback with a reply to complaint ID XXXX. If XXXX were actually the servicer of the loan at that time and the info they supplied in their response is accurate, they admit that the account was retroactively made current for the months in 2011 that  are reported as late. If this is correct then XXXX needs to then retroact and retract the derogatory statements for that time period because they would in fact be erroneous if the account was in forebearance as XXXX stated in their response. XXXX 's own words attest to the fact the accounts were made current. I have supplied the portion of XXXX reply that substantiates this fact. I am asking that the historical data correctly reflects the proper period of forebearance on my credit reports. I am also asking that the derogatory statements be removed as they are in fact incorrect according to 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 2019-02-27
Company: Jon Barry and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX  submitted a derogatory mark against my credit claiming that they were collecting a debt from XXXX from a hospital. I contacted XXXX, and they were unable to give me any details about the debt including why they had not contacted me prior to submitting my information to the credit bureaus. I contacted the hospital who informed me that they would not have submitted any collection to XXXX XXXX XXXX  and that the debt had been paid. The hospital then emailed me a copy of the paid in full report. XXXX will not receive my calls ( they continually drop the call ) as I have tried to contact them to provide the proof of payment. I have emailed the proof to them and have received no response. I have mailed proof to them with no response.

Company response to consumer: Closed with explanation