BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is listing an unverified account as closed charged off but listed payment status as past due as {$3900.00} which is illegal to the cras. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are several hard inquiries on my TransUnion credit report that I do not recognize, and have previously disputed with TransUnion to no avail. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, one of the inquiring companies XXXX XXXX provided me a letter that stated they authorized the removal of the inquiry due to its fraudulent nature. This letter was sent to TransUnion on XX/XX/XXXX, but XXXX months later, TransUnion still has yet to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
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 went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. I have reached out to the FTC and to my local police department. Again I am doing this all on my own and can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: IL
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:
These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , & XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: AMA Advisors, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage monthly payment was Increase and tthey refuse to give explanation on why. My property taxes has went down as well as the PMI. On several occasion I have requested an Analysis of my escrow account amount but the company has refuse to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: U.S. BANCORP
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter in XXXX from US bank loss prevention team in regards to a past due and delinquent account and they had been unable to each me. I had no previous contact. The letter stated that I needed to contact them to work it out to prevent further collection action. At same time had a credit report come back that noted my score had dropped due to a delinquent or late payment. I have nothing delinquent. I contacted the Loss Prevention Team on XX/XX/XXXX via the number provided to tell them I do not even bank with them, nor do I have an account. They said they couldn't do anything about it l, couldn't tell me if they had filed this against my credit, and forwarded me to the Bank Manager. The Bank Manager said he could not pull up my name on the account but also couldn't do anything and forwarded me to their Dispute Department. All my information was taken. I said I wanted to know if anything was reported on my credit and I wanted this cleared up and that if it wasn't corrected I would file a complaint. I was told it would be reviewed and I would get a written response within 30 days. I received no response as of today regarding my dispute of this attempt at debt collection. But today I got another letter, same as the one I received in XXXX but with a different amount past due. I am filling this complaint instead of calling them again as none of the 3 people I spoke to the first time appeared to care at all. Will provide a copy of the most recent letter. I have not obtained a new credit report as of yet.

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 2020-09-03
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a dispute on a credit card account for Victorias Secret that is on my credit report. The person who opened this account also wrote bad checks from XXXX XXXX XXXX that i just spent 7 months clearing up. I dont know what else i can do. Number 1, i was homeless on the streets when tnis account was opened. I havent had a VS CC since 2002. 

The collection comp any is XXXX XXXX. On the report it states there was a second card holder by the name of XXXX. And thats it. No last name or any information. I dont know 1 XXXX. 

There phone # is XXXX My name is XXXX XXXX XXXX Thank you so much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2019-08-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On or about XX/XX/2019, Navient sent me notice indicating it had " recently received notice that you filed for bankruptcy '' and requested I send information regarding the First Meeting of Creditors. I don't know where they received information that I had filed for bankruptcy. 

On XX/XX/2019, the phone calls began. Some man with an accent started calling ( XXXX ) or something like that. He is unable to understand what I say to him - often misinterpreting what I say and then accusing me of lying to him afterward. 

On XX/XX/2019, I had enough, I laughed at the information he said back to me because I said none of those things. He said " I don't understand how you live your life, last time we talked you were crying and today you are laughing. '' I immediately asked to speak with someone else that was not rude but instead received a phone call from an unhappy woman that continually accused me of never wanting to pay back my loans. I told her the phone calls stress me out and she said " I'm gon na stress you out right now and personally refer you for litigation '' and then hung up on me. 

Today, XX/XX/2019, XXXX or whatever the man 's name is, called me and asked me how I sleep at night. This upset me. He again asked if I was laughing. 

Phone calls by these individuals treating me like I am some awful human being that committed heinous crimes because of my financial inability to pay {$1000.00} per month for the rest of my life should stop. 

I should also note that XXXX called and left my brother a voicemail indicating that I have " abandoned '' the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, INC.
State: NV
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 is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that. 
Please delete/remove the following accounts 1.XXXX XXXX   2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXXXXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
WasapprovedfortrialmodificationwithmymortgageservicerShellpointMortgageservicing,firsttrialpaymentbeganXX/XX/2019amount{$850.00}.I'veattachedproofwhereIwasmakingtrialpayments.ShellpointMortgageforeclosureattorneyforeclosedonmyhomeXX/XX/2019whileI'mmakingmypayment.Someonecametomyhomeaskingmetoleavemyhome.I'mrequestingthepropertyforeclosuresaleberescindedanddeedtomyhomebereinstated.Shellpointhasbeendifficulttoworkwiththeydidnotapplymymortgagepaymentstotrialpayments,Ihaveattachedmybankstatementshowingfundswithdrawnfrommybankaccount.SpokewithShellpointcustomerservicewastoldtheydidn'treceivemypayments,thatiswhytheyforeclosed.AccordingtoXXXX,ShellpointMortgagethepropertyhascurrentlygonethroughforeclosureREODepartmentbutwasnotsoldtoathirdpartyitisbackwiththeinvestor.TheinvestorisXXXXXXXXXXXXXXXXXXXX,XXXX#XXXX.NeverreceivedcancelationletterformymodificationfromShellpointmortgage.AlsoneverreceivedapropertyforeclosureletterformXXXX,XXXX,XXXXXXXXXXXX.StateofTennesseestatesthehomeowneristoreceive30daynoticepriortopropertyforeclosureofwhichIdidn't..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I want to complain about a PSLF program that Nelnet loan service provider did not honor. I contacted Nelnet in 2017 after paying my loan for 10 years ( 120 months ) without a delay in payments. I am a public service worker for nearly 30 years and had planned to retire soon. Once I learned of the PSLF program and checked my account with Nelnet, I submitted my certified information. I was denied due to my loan was not in the appropriate loan forgiveness program. I was told that I could move my remaining balance over to the right loan program and work ten additional years to get the PSLF. I thought this was extremely careless and disrespectful to share with me. Now I have to continue working to pay the remaining debt off. I believe Nelnet withheld critical information to its customers and did nothing to help its customers but take our money.

I hope there is something that can help those who have issues with this PSLF program. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: TN
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:
For the last three months ( XX/XX/XXXX-XX/XX/XXXX ). I have been corresponding ( by mail & by phone ) with all three credit bureaus questioning the bankruptcy they have in my personal information section. I asked where they got the information & they were not honest which is a violation of the Fair Credit Reporting Act in which they are reporting false information. I sent proof of their dishonesty & asked for them to reverify and send me proof of their findings from whichever reporting source they claimed to get information from & they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received multiples notices through mail and email in regards to pre approval for loan with Onemain financial. I opened the loan in XXXX of XXXX at the time of opening loan I was not employed. The interest of the loan makes it impossible to become current and pay in full. I called in XXXX of XXXX in attempt to resolve this debt. Creditor reduced my balance {$4000.00} in which Im still actively paying however onemain is reporting to the three major credit bureaus that the account is charged off wish is false. I have hired attorney and will be seeking dmages as this has affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to obtain a forbearance on my mortgage servicer, Sierra Pacific Mortgage. I am current on my payments and my mortgage is owned by XXXX XXXX so I qualify for the program. However, I requested this 50+ days ago, and have contacted my servicer several times they still have not returned my calls or gotten back to me. Two payment cycles have passed and I am struggling and have had to liquidate retirement funds to pay my bills.

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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
For the last three months ( XX/XX/XXXX-XX/XX/XXXX ). I have been corresponding ( by mail & by phone ) with all three credit bureaus questioning the bankruptcy they have in my personal information section. I asked where they got the information & they were not honest which is a violation of the Fair Credit Reporting Act in which they are reporting false information. I sent proof of their dishonesty & asked for them to reverify and send me proof of their findings from whichever reporting source they claimed to get information from & they have failed to do so.

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 2020-09-03
Company: EQUIFAX, INC.
State: NC
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 submitted several disputes to Equifax regarding credit inquiries on my credit report. I am a victim of identity theft and my wallet was stolen and I never received my social security card for them. Every time I dispute this information, I get the same response. So they have left me no choice than to file a dispute against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Total Card, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent Total card three certified letters disputing the two accounts that they are reporting to the credit agencies that I know are falsely being reported. They have failed to respond all three times. I have ran out of options

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: WI
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 noticed there had been misleading credit inquiries added on my credit I'll like to have remove! None of these hard inquiries were authorized by me. 

Not Authorized by me XXXX hard inquiry Not Authorized by me XXXXXXXX XXXX hard inquiry Not Authorized by me XXXX XXXX hard inquiry Not Authorized by me XXXX hard inquiry Not Authorized by me XXXX XXXX hard inquiry

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 2020-09-03
Company: Oliver Adjustment Co.
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:
I have been disputing and are not getting a timely response and i need answers because the account listed is NOT mine or i dont recall it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Resurgent Capital Services L.P.
State: IL
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 filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Pono Ventures 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:
I have disputed with AR Recovery Solutions regarding the inaccuracy of the entry they are reflecting on my credit report (See attached letters).  AR Recovery has yet to respond to my letters; however, my certified receipt tracking verifies that they were indeed in receipt of my disputes.  In XXXX  2019 and as recent as XXXX 2019, I have requested that they provide validation on the alleged debt entry that are blatantly reporting on my credit report and violating my consumer rights.  To date, AR Recovery has not provided an agreement that reflects their authority to collect on this alleged debt, they have not ever sent a dunning letter to me notifying me that they were attempting to collect a debt; further violating my consumer rights as I have the right to dispute the validity of any entry on my report.  They have not provided me with the alleged account number, the original delinquency date, agreement with signature of the alleged debtor, verification that this debt was assigned or sold to collector, nor have they provided the complete accounting of the alleged debt.  

Again, this is my second request to them after disputing this entry with the credit bureau.  AR Recovery is negligent in their reporting as well as in ensuring they follow consumer law.  To that end, since this company has had over 120 days to respond to my previous requests and have yet to so, this entry should be DELETED IMMEDIATELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Personal information incorrect

Complaint:
I recently called in and requested a deletion of all inaccurate addresses that are listed on my credit report and it seems that all but two of them were deleted. As of XX/XX/2022 XXXX is the only bureau reporting these addresses that I have never lived at. 

On the call, I was told all inaccurate addresses, especially those that are not and have never been tied to any accounts of mine, would be deleted within XXXX XXXX and again, months later they still have not been deleted.

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 2019-03-07
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is not mine please see the attached FTC report. I have no knowledge of this account nor have I been to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation