BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year XX/XX/XXXX I submitted a complaint through the Consumer Financial Protection Bureau against Resurgent Capital Services/LVNV Funding for the account # XXXX that they purchased from XXXX XXXX and placed it in collections on all 3 of my credit reports with XXXX XXXX and XXXX saying that it was my debt. I have sent several dispute letters to Resurgent Capital/LVNV Funding disputing all their continuous false allegation about this XXXX XXXX XXXX that they purchased that is not mine. They have sent statements trying to prove it was mine. A statement doesn't mean that's my debt. I have requested for signature and they have never provided one. Last year, they responded to my complaint with a 52 page letter that was very ill-informed. This company has destroyed my credit ratings for years and I refuse to continue to sit back and let with me knowing this is not my account. In the quest to continue to fight I continue to dispute XXXX XXXX XXXX the original owner of this alleged debt. On XX/XX/XXXX I received a written, legal document from XXXX XXXX XXXX further proving my case that after their investigation they found I am not responsible for any PREVIOUS or FURTHER balance incurred on this account. The site wouldnt let me Attach the letter from XXXX XXXX but I sure mailed it to Resurgent Capital compliance address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and have notified the companies XXXX, Transunion and XXXX of inaccurate information being reported on my credit report by the company XXXX. It is to my understanding this information should be removed from my credit report immediately.

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 2018-10-29
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Im a victim of identity thief so theres different name and address on my credit report and some of my credit cards are not reporting on my credit report, My XXXX XXXX, My XXXX XXXX and my XXXX all in Great standard but theyre not on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: U.S. BANCORP
State: OR
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:
Our home was in forbearance. We took it off and were given three options. Bring the loan current, put the unpaid months at the end of the loan, or extend the loan and lower our payments. I'm XXXX and won't see the end of this loan, so lower payments sounded good. I was told EVERY time on at least 20 phone calls and MANY hours with US Bank that this would in no way affect our credit score. I was alerted by XXXX that US Bank flagged our account as partial of modified payment agreement XX/XX/2021. I'm guessing that is true as they extended the loan but it was never supposed to have a negative affect on our score. Our score dropped XXXX points in one day. I disputed with XXXX and US Bank. XXXX said US Bank listed the comments as true and they would not change it. We have another home we are going to take off of forbearance, will our score drop to 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 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 received a notification on XX/XX/20 that my credit report had a new hard inquiry on it from XXXX XXXX, with an address at XXXX XXXX XXXX in XXXX, OR XXXX. Upon investigation, I learned that the inquiry was made by someone attempting to use my name and credit to obtain a line of credit for XXXX XXXX XXXX, a retailer from whom I have never attempted to buy anything. The line of credit was ultimately denied to the person attempting to use my credit fraudulently and I received a letter to this effect at my home address. 

I called XXXX XXXX in XXXX to report the fraudulent activity and was assured by customer service that the matter would be resolved and that the hard pull would be removed from my credit report. This has not happened, and the additional pull on my credit has negatively affected my credit score and will continue to do so for up to two years if the matter is not resolved. I attempted to dispute the matter with Transunion online but was unsuccessful, so in XXXX I submitted a letter by mail both to XXXX XXXX and Transunion requesting that the matter be resolved. Transunion responded that I need to contact XXXX XXXX. I have not heard from XXXX XXXX again. 

I would like the fraudulent inquiry removed from my credit report immediately. Consumers should not have to jump through this many hoops to correct their 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 2018-10-29
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint about XXXX. I had a XXXX  balance with them. Recently I checked my credit reports and noticed that I am in collection with XXXX for {$100.00}. I went to the XXXX website and it shows a XXXX balance. I contacted XXXX on XX/XX/2018 and was told that it went to collection. I explained that I never received any notices nor phone calls to alert me that I was being sent to collection. The rep agreed no notice was ever sent out. Having this debt on all 3 credit reports is affecting my credit in a negative way. This is XXXX fault as how am I suppose to pay a bill if the system is showing a XXXX   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 2022-11-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Began discussing loan modification options around XXXX of 2022 and advised we could either put delinquent amounts on the end of our loan or add to loan with increased interest. We declined the latter and in XXXX and XXXX of 2022 received modification paperwork which increased our interest rate from XXXX XXXX XXXX XXXX XXXX, increased payment by $ XXXX and seemingly adds total amount past due to principal balance which would change from XXXX to XXXX. Told this or paying off the loan was our only option. 
Received notice dated XX/XX/2022 that we had until XX/XX/2022 to discuss options to avoid foreclosure but home auctioned off on XX/XX/2022. We had no idea this could or would happen as we were actively attempting to find resolution. Unsure at this time if sale will stand and we will be evicted, and forced to file XXXX XXXX XXXX immediately. 
Towards the beginning of XXXX told we were on 180 day forebearance, later told we werent and denied our request for forebearance stating unnecessary. On XX/XX/2022 told by phone all available forebearance used but we believe a 90 day forebearance was only utilized/requested 3 times. Told we had to reapply for forebearance after 90 days. Required to fill out extra information to qualify for forebearance. 
We believe dual tracking occurred and loan modification and foreclosure were happening simultaneously. 
Spoke with representative in XX/XX/2022 to notify of our intent to apply for XXXX and asked for confirmation of forebearance. Lead to believe we were on forebearance. We believe forebearance and XXXX postponing foreclosure date were used interchangeably. 
We question accurate reporting to credit bureaus, assessing late fees while in forebearance, and level of deception that occurred overall. Due to our home being auctioned off we felt it more important to initiate complaint and not wait to look through all correspondences for other incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
they reached out to my current employer by fax asking if I still worked there. 
This has caused tension at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: ARS National Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I WAS CALLED SEVERAL TIME FROM THIS COMPANY CALLED ARS NATIONAL XXXX THEY are calling my cell phone and my job and I've asked these people many times to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not applied for these accounts. Please remove them as soon as possible from 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 non-monetary relief
Consumer complaint received 2020-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I have two complaints : when I first recieved this card I was able to have access to my account and routing numbers shortly after retrieving the numbers I misplaced them and can not find them. I called and asked for it again and coincidentally you dont give out that info. You advertised card can be used for direct deposit and we can't. Next the worst complaint is I tried using the card at a casino and couldn't so I called and was mistakenly told we can't use them there, although I have used it at casino shortly there after. Bottom line is you are putting your own restrictions and taking advantage of the situation. Also the account number is ours and legally have the right to have access to it. Please inform me differently

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 2018-10-09
Company: Experian Information Solutions Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is attempting to collect on a debt I do not owe. I did not know that they were trying to collect on this debt until I checked my credit report. This debt is not mine and I demand they provide proof with something baring my signature. I have not received any documentation on this debt. I did not receive my 30 day right to dispute, and it has already been added to my credit report. This is in clear VIOLATION and should not be 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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My identity was stolen I dont know how it happened. I have all the dates, account numbers, and amounts for the fraudulent accounts in a document attached here. I called the attorney general, the companies, credit bureaus, and no help. The attorney general told me to file a complaint here so hopefully someone can help me because this is crazy.

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 2022-11-19
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: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX Original Creditor : XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Balance : {$310.00} ; XXXX  XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-12-13
Company: CITIBANK, N.A.
State: CA
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:
XXXX XXXX Online payment system is very cumbersome and not intuitive. This has led to 30day late payment reported to the credit agencies.

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 2022-10-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I am writing to dispute the following information that appears on my Credit report XXXX XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$800.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$560.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information. 

XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these listed accounts below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
While on business travel in XXXX, I attempted to withdraw cash from an ATM. The ATM retained my ATM card and the interface screen indicated that my ATM card was being held for security purposes. Later that night, I checked my account and discovered that multiple ATM withdrawals had occurred in the course of the several hours after I attempted to withdraw funds. I immediately called Chase and informed them that fraudulent activity had been occurring on my account. In subsequent correspondence with Chase, I learned that my ATM card had been used ( or attempted to be used ) at over 30 different ATMs throughout XXXX that evening, with at least 15 of such attempts resulting in amounts withdrawn from my checking account. Chase later disputed my claims of fraudulent activity on the basis that there wasn't sufficient evidence of fraudulent activity -- notwithstanding that my ATM card had been used ( and attempted to be used ) at over 30 different ATMs throughout XXXX in a single evening. I believe that Chase is attempting to shift its burden of protecting against consumer ATM fraud to its customers, and is negligent in its handling the basic indications of ATM fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was born on XXXX. XXXX has " XXXX  XXXX  '' insurance ID XXXX. After a while, I received a bill from the hospital for {$1200.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few months I received a bill from a collection agency " AR Resources inn " in the amount of {$1200.00}. Several times we contacted the agency, explained the situation, and also left a complaint with CFPB, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX $ from me again

Company response to consumer: Closed with explanation