BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit

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 2019-02-03
Company: Markoff Law LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued by a collection agency named Markoff Law for an installment loan I took out with another company named XXXX XXXX XXXX. On XX/XX/XXXX we reached a settlement agreement. The agreement stated I would make 3 payments of {$740.00} dollars beginning on XX/XX/XXXX in exchange no judgement would be filled and nothing would be put on my credit report and the debt would be paid in full. On XX/XX/XXXX I made the payment and faxed the signed agreement to Markoff Law and was told I did not have to go to court because they would have the judge sign the order and send me a copy. Instead Markoff Law took my payment and the signed agreement and still went to court on XX/XX/XXXX and filled a judgement for a higher amount and sent a garnishment on to my place of employment. I contacted Markoff Law and was told that a motion to dismiss would be filled. 3 weeks went by and they still did not fill a motion. So I filled a motion with the court to vacate the judgement. Markoff Law contacted me on XX/XX/XXXX trying to collect a second payment and threatening me saying if I didn't make the payment they would not dismiss the motion to vacate judgement even though that was the original settlement agreement in the beginning. Markoff Law and I made a settlement agreement. I kept my part of the settlement agreement and 2 days later they breached the agreement after taking my money and then threatened me after I filled my motion to get another payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: GREAT LAKES
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I graduated from the XXXX of XXXX XXXX in XX/XX/XXXX, in XX/XX/XXXX I started the XXXX XXXX XXXX XXXX XXXX. Throughout this time my student loans were in deferment per the policies ( deferment through the time of maintaining XXXX XXXX student status and for 6 months after ). In XX/XX/XXXX I was a XXXX XXXX XXXX ( XXXX credit hours ) at XXXX XXXX XXXX XXXX. My loans should have still been in deferment per the policy. I found out that my credit report was showing late payments through Great Lakes, although my loans through XXXX XXXX were in deferment. I contacted Great Lakes and they said they would verify with the school ( XXXX XXXX XXXX XXXX ) and place my loans back into deferment. This was never done as it should have been and my credit report is still showing from XX/XX/XXXX through XX/XX/XXXX my loans were not being paid and were past due. 

These loans were not past due, per the policy the loans should have been in deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: MO
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 filed disputes and complaints about 4 collection accounts being on my credit report that do not belong to me from XXXX on XX/XX/XXXX. In response Equifax claimed to have removed the accounts from my report and they deleted all but one of them. I called to let them know and ask why they still had one on my report and was told I would have to file another dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX XXXX Social Security number XXXX I called alliance one collection agency about three acounts that pertain to court fees for XXXX XXXX county court the original case number are XXXX. The phone number I called was XXXX XXXX they gave me this account number XXXX and told me I owed XXXX I know this account number is not valid because when I entered it on there website payment portal it stated this account number did not belong to me they refuse to mail me a letter I've requested it twice and have not received anything but lies from word of mouth from alliance one I know this amount can not be accurate and there trying to rip me off I'll appreciate it that action be taken on my complaint they lied about the account number gave me the wrong amount debt owed and refused to send me a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: ProCollect, 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 have disputed A Charge on my credit Report with XXXX over a dozen times! I have a fraud warning on my report which I dont understand why thy removed it without my consent. I last disputed with XXXX  on XX/XX/2018 regarding the charge with PRO COLLECT for the amount of {$2900.00} I have submitted manually and electronically through various services such as XXXX XXXX, Also directly with XXXX over the phone regarding the disputed information! XXXX  has failed to supply me with factual accuracy information from this company who has reported against me! I told them that I need proof that the company has a signed contract and identification proving that I am whom they are litigating! I have given XXXX over 4 months to properly support this information or remove it and neither is done XXXX sent me a report on XX/XX/XXXX with open account information! not a disputed decision And I am demanding that any And all information reported be sent to me on this company behalf!

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 2019-05-15
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD
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:
Good Day, 1st issue XXXX is paid in full XXXX balance account ending in XXXX .I have sent the letter to Creditors to correct still showing balnace of XXXX no balance should be showing. 
2nd is Law office of Mitchell - Not my account should be removed I do not owe Lawyer -none. total XXXX not my account. account XXXX ( no  account with this company ) XXXX XXXX XXXX XXXX same affiliated creditor. not my account. 
should not be on my credit report. 
I sent documents and disputes still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number : XXXX 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, XXXX XXXX XXXX received {$25000.00} on my behalf from Hardest Hit Fund mortgage Reinstatement program. At the time I owed {$42000.00} XXXX XXXX XXXX had previously denied my modification applications on my loan due to a outstanding issue which was an appraisal submitted to XXXX in XX/XX/XXXX from XXXX XXXX XXXX. ( an XXXX company owned by me in the past ) I submitted an explanation or rebuttal explaining that I did not submit a report to XXXX and I had experienced a situation with theft of signatures that had been reported to the XXXX .They denied my explanation and refused my RMA. At that time I applied to the hardest hit fund, and as I said was approved for {$25000.00} reinstatement loan, which XX/XX/XXXX XXXX XXXX excepted. At that point I still has a past due balance. I called XXXX and was told to make my monthly mortgage payments of {$680.00} I paid XX/XX/XXXX, XX/XX/XXXX and when I went to pay XX/XX/XXXX the would not accept my payment and said I was back in foreclosure. They did not send me and intent to foreclose. In XX/XX/XXXX they did send a Modification package, but since they did not accept modifications from me I submitted a package through consumer debt councilors. XXXX XXXX did personally speak to the bank who was aware that I was looking to modify my loan to help pay the past due amount.My XX/XX/XXXX statement said my payment was late and I had a past due balance of XXXX On XX/XX/XXXX I received a notice that they were transferring the service on my loan to Carrington Mtg services, LLC as of XX/XX/XXXX. On XX/XX/XXXX I received a statement that XXXX was the total amount due and stated my loan was in foreclosure.I feel that they wrongly excepted the reinstatement from the government without providing me an agreement to pay past due amount, and feel they did not follow the correct procedure to return my loan so quickly to foreclosure. I am now having an issue with Carrington Mortgage they have a fraud item flag on my account due to a pay stub submitted in XX/XX/XXXX on my behalf that had the same year to date as the prior stub.This was received from a third party at my former place of employment and my only explanation could be they had ripped up my documents and than tried to put them back together. I have no proof, no longer work there and the company has had a completed employee turn over so no proof exists and they will not accept a modification package or repayment plan from me. I did hire an attorney from XXXX, XXXX XXXX, reputable Real Estate attorneys near me, but as luck would have it my attorney XXXX XXXX has quit his law practice in search of another career and I am stuck on my own. Please help me to find out if my rights have been ignored by XXXX and if I have any recourse. I just want to keep my home and pay my past due and current mortgage My loan is owned by XXXX XXXX   XXXX XXXX XXXX as Trustee for the holders of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXXXXXX XXXX XXXX Balance {$85.00} XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX XXXX  Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XXXX we signed with XXXX XXXX XXXX, our account is with XXXX XXXX XXXX. This was for debt relief from credit cards. A woman came over the house, to which I later found out she was a third party. I received a packet in the mail from XXXX XXXX XXXX XXXX. To which I thought great. Only to find out that the main firm is XXXX XXXX XXXX XXXX which hires out third parties. My husband and I agreed that they XXXX XXXX XXXX would take XXXX from my husbands social security check only because I am the main supporter of the house. We have been paying since XXXX, that equals {$4200.00}. I checked with XXXX  and we only have a balance of {$590.00}. I am now being sued by Discovered. I can not afford to have my paycheck garnished I am the main supporter of this house. I have all documents printed, with all fees and charges. They have not contacted any one. I  with each phone call that came in gave them their number like I was told to do. My husband has debt collector letters coming in. I had called them to cancel the contract, they told me I had to do it with XXXX XXXX  she said gXXXX XXXX was only a third party and she can not do it. I sent my husband to the bank to stop payment yesterday on XX/XX/XXXX, to which we had to pay XXXX to do that. My email is XXXX. XX/XX/XXXX XXXX fee and also XXXX fee.dec, XXXX XXXX, fee dec. XXXX XXXX fee. XXXX XXXX fee it goes on and on I have all documents printed beginning in XXXX when they started taking the money out We just want our money back and something to be done so my check don't get garnished. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: 21ST MORTGAGE CORP.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am applying to purchase a single 2 bedroom mobile home and they denied me inspite of never defaulting on any past loans. Then they said I could possibly get approval if I am willing to put 20 percent down payment. Twenty percent of XXXX XXXX is XXXX. I offered XXXX since XXXX is a small loan. The company is 21st Mortgage out of XXXX XXXX, Tx. I could not find an address in XXXX XXXX Texas, so I XXXX the company and found a Tennessee address. The denial letter was from a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have repeatedly requested for the past 5 months through XXXX XXXX, to have the inaccurate information removed from all the XXXX credit agencies. There is a student loan account that was fraudulently reported to the XXXX credit bureaus and I have never received any response from any of the XXXX agencies. A month ago, I paid that fraudulent account off around {$1700.00}, because I was being harassed by creditors and also wanted to improve my credit score. I want my money back. The weirdest thing has been happening : rather than my credit score going up, it has gone down, despite my positive history and me making good money. One credit card even decreased my credit limit by more than half despite making payments on time and being approved for no interest for 2 years. I also have XXXX unauthorized hard inquiries. Today, before I am writing this complaint, I have been trying to dispute those inaccuracies and I am not even allowed to do so. My credit score is all over and it just doesn't make sense. 
This fraudulent recorded information has caused tremendous hardship for my family as my children were unable to get federal financial aid because of my school " default ''. I am also unable to refinance my car loans. 
I have worked very hard trying to improve my credit score after I got out of school and really appreciate your help regarding this matter.

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 2018-01-22
Company: College Foundation, Inc.
State: NC
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:
I have 3 student loans with XXXX and I have paid off two loans before the deferment period. I paid off by calling them in person and asked for the latest balance and paid the balance on the same day I called to ask the balance. After I have paid off the two loans, I received the letters from XXXX that my loans are paid in full. I check my online account nearly every week and the two loans I paid off disappeared from my loan list. So I was sure that I have paid them off and I am in the clear. Months later, I saw that there were some balances on the two loans that I paid off suddenly. When I called and ask XXXX, customer service can not give me the answer and just told me to wait for unknown amount of time and they may send a letter in the mail after they ask some other department. I asked to transfer me to this department to get the answer and they said they can not do that. 

If a student can not even trust that her loans that she thought were paid off were not paid off and accumulating interest without her knowledge. Then why XXXX sent me letters that I have paid off my loans? This is very irresponsible system and should be fixed. If I can not trust this, now if I paid off what is left again, how can I be sure that I wo n't see any surprise balances two or ten years later? And worse, if I do not check my account because I was under the impression that I have paid off my loans. 

Below, I attached proofs of my last 4 statements : from XX/XX/XXXX-XX/XX/XXXX, where two loans I had paid off not even show up on the list and suddenly in XX/XX/XXXX, it showed up. How can I as a student trust this institution?

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