BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In regards to collections from XXXX XXXX XXXX, I have sent in several complaints in regards to this same debt that has changed hands numerous times with incorrect information. The original debtor was XXXX changed to XXXX transferred to several other collection agencies now with XXXX XXXX XXXX. This was a XXXX 's card, XXXX 's sold to XXXX XXXX. XXXX 's sent me defective merchandise and when their workers came to pick up, they left merchandise ( mattresses ) on the curb outside my apartment building in XXXX, which is against the law in XXXX. I contacted XXXX 's as I had to pay {$500.00} to immediately have removed myself, as well as issues with refund to my card due to their drivers not bringing back merchandise. Ultimately, XXXX 's corporate stated the matter was corrected and my account was current and I asked for it to be closed. Apparently, this was not communicated to XXXX later XXXX and once transferred collections started. I have repeatedly asked for itemized bills from all parties and no one will send out to me. I reported all my credit cards stolen in XX/XX/XXXX and sent police report to all my credit card companies etc, which is still being reflected on my credit reports by XXXX on other accounts. However, XXXX XXXX XXXX is not only reporting me as owing {$2400.00} but stated that I made a purchase in XX/XX/XXXX, when even XXXX sent letter via CFPB stating that last purchase was XX/XX/XXXX. Also, XXXX XXXX XXXX is reporting on XXXX that I made a payment in XX/XX/XXXX, which is absolutely false. I do not owe anything on this matter and I again ask for itemized bill so that I may determine what they are trying to state that I owe. XXXX XXXX XXXX stated that they do not have an itemized bill and I have to contact the store to obtain one. What store am I supposed to contact if I have no idea what the charges are.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Looking at my credit report I noticed a XXXX account in collection. I called the company to investigate the account that was reported XX/XX/XXXX. The informed me it was an account that was from XX/XX/XXXX for a address that I had never lived at. I am requesting the account be closed and removed 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 explanation
Consumer complaint received 2020-10-17
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX alerted me that a new account ( XXXX/XXXX   ) was open in my name by LVNV Funding on XX/XX/XXXX. This account was closed on XX/XX/XXXX. I have made regularly monthly payment through XXXX XXXX XXXX XXXX. I have my statements proving that I make timely payments to XXXX XXXX  and they send the payments out according to the payment agreement. LVNV Funding has cause the credit bureau agencies to lower my credit score by 100 pts. This company has been harassing me six times a day Monday - Saturday since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called fidelity creditor service XX/XX/2020 at XXXX call lasted 11minutes in attempt to start making payments. i was able to accomplish making a payment of {$50.00} on XX/XX/2020 at XXXX. i asked for some form of proof of payment the representative named XXXX told me " no '' they don't do that and that they wont give me anything until my debt is at a {$0.00} balance. she never had me sign an agreement for payments my payments are $ XXXX/month on every XXXX of the month. On XX/XX/2020 at XXXX lasting a total of 3minutes i called again spoke with a woman to make a payment of {$220.00} again no proof of payment not a receipt, email, or a contract because they refuse to give me proof. also if im making payments they should not be increasing my debt amount last reported increase was in XXXX of {$16.00} ( XXXX XXXX didnt give specific dates )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Assured Financial Partners
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was reached out to on XX/XX/XXXX by a " locating company '' or something of that nature. A woman told me to call a number XXXX of a company called XXXX XXXX. A woman Named XXXX answered the phone and told me that they have a debt owed to them for a XXXX  XXXX XXXX account they purchased back in XXXX. She told me that the amount owed was {$1600.00}. When I asked her questions she was very aggressive towards me and told me that they would pursue me in a manner that would cost me a much grater sum if I didn't start paying immediately. Because I was skeptical with her and voiced that she was using what seemed like manipulative tactics she was quick to say that she was going to put it down that I was denying or rejecting to pay and hung up on me. I don't see anything like this on my credit and with all the Identity theft going around and her extremely unprofessional nature in addition to her extreme sense of urgency to take a payment I was skeptical to say the least. I called her back immediately after she hung up to try and get more info. She told me an account number that was with XXXX of XXXX that was an old overdrawn checking account. She told me I could call them. I asked her what the original amount owed was and she said it was {$300.00} and something dollars. She told me that they had reached out and mailed me stuff to a location I lived at over 10 years ago at XXXX XXXX in XXXX XXXX. She told me to avoid legal action I could settle the debt on the date we spoke for {$400.00} down and pay the other {$490.00} by XX/XX/XXXX. I told her I needed to call XXXX XXXX  XXXX to verify that the debt was mine because I was unaware of it. I called them and they were closed for the holiday. I called her back and she said I have till today to make my {$400.00} dollar payment to avoid legal action. After this call I starting doing research on the number called and read a number of stories just like mine about extremely old accounts and aggressive tactics to resolve accounts. She read off the last 4 of my social to me and gave me their address of XXXX XXXX XXXX, XXXX, CA, XXXX to establish credibility. She emailed me a " Debt Verification '' letter that didn't show any kind of interest or the original amount owed. There was a debt balance of {$1600.00} and also {$2600.00} in the body of the letter. It didn't say anything about my ability to dispute it which I'm told is required by law and it doesn't show their license number which I guess is also required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX was removed, paid in full and removed XX/XX/XXXX. Through XXXX. The amount was XXXX. I was sent confirmation it was removed and paid in full from XXXX dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to XXXX multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called XXXX a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.

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 2021-04-02
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage company believes that I paid my XXXX payment late. I paid for it on XX/XX/2021. I do not see the payment as late but they say it was returned on XXXX XXXX, 2021. I do not see that it was returned on my side. If the payment was returned, it was due to unforeseen circumstances due to COVID 19 and unexpected associated costs due to illness and family expenses. The loan company says the loan was eventually paid in XXXX. There have been no late payments since then. The loan company is Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Law Offices of Robert J. Colclough, III
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 received a letter from The Law Offices of Robert J Colclough III originally dated XX/XX/XXXX stateing the firm is the Current Creditor and a Judgment has been entered against me for {$10.00}, XXXX I have already responded to this Old Credit Card Debt from the XXXX, a debt from which I do not owe. 
The XXXXXXXX XXXX XXXX filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX I worked with the Leving Officer XXXX of the XXXX Sherifs Dept. to have the levyed funds returned and the Case of Levy dismissed.

I never owed this debt, and will now seek Legal representation to defend myself against this debt collector and request the court for 30+ years of damages. 


HISTORY : This is an old debt of 30 years ago originally known as XXXX XXXX XXXX. The debt was not mine, however I have been fighting this for all of these years. 
XXXXXXXX XXXX XXXX  XXXX collected the debt. from XXXX XXXX XXXX XXXX was aquired by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered in to Chapter XXXX on XX/XX/XXXX. 
The XXXX XXXX XXXX filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX The XXXX Sherifs Dept. released the levy and returned the funds on or about XX/XX/XXXX There are currently hundreds of complaints filed to the CFPB in regards to ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The Law Offices of Robert J Colclough III The XXXXXXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: NCC Business Services, Inc.
State: MI
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:
Currently, NCC Business Services of XXXX, FL is reporting twice on my credit report for {$740.00} and {$500.00} to all 3 credit bureaus since XX/XX/XXXX. NCC Business Services is  collecting on behalf of XXXX XXXX XXXX in XXXX, MI. I have been disputing the information as inaccurate since it was first placed on my credit. I lived at XXXX XXXX Apartments from XX/XX/XXXX - XX/XX/XXXX. I moved in XX/XX/XXXX, on an agreement with the property manager that I would be let out of my lease with an intent to surrender notice. At that time, I owed NO money to XXXX XXXX XXXX. Prior to me moving out, I had a court settlement with XXXX XXXX. The court ordered me to pay all of the money I owed minus the erroneous fees that they charged or I would be evicted. I was ordered to pay XXXX XXXX in full for the back rent I owed and XXXX, in full by XX/XX/XXXX or I would be evicted. There was money that I also placed in Escrow with XXXX County 8th district court until a settlement had been reached. I moved out of XXXX XXXX XX/XX/XXXX with a {$0.00} balance. {$0.00} minus the late fees and including the money that would have been payed to them out of the Escrow account. I have a ledger to prove the payments I made as well. In XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX XXXX by phone to see what exactly the details of these amounts were. I was asked to put together a dispute and send it to them via email and they would investigate it. I composed a dispute to XXXX XXXX XXXX via email, including a ledger and documentation from the courts to prove that I owed no money to this landlord. I asked for NCC or XXXX XXXX to produce an updated ledger through XX/XX/XXXX. I provided my record with XXXX XXXX district court to show that they mailed the money from Escrow as well. XXXX XXXX is aware that money was being mailed to them from the Escrow account because it was determined in court. I also provided the court documents to NCC Business Services as well. NCC Business Services told me back in XX/XX/XXXX that they would send over my response to XXXX XXXX and follow-up with me within 2 weeks. It is now XX/XX/XXXX and I have not received a response from NCC Business Services or XXXX XXXX and the inaccurate information is still being reported on my credit. This inaccurate has kept me from being approved for apartments because it seems as if I left owing a balance which is false. It is unfair for a company to say I owe them money and send it to a collection agency to retrieve the money but have no proof of how I owe the money or where the amounts came from specifically. They also can not prove that I damaged the property in any way. It is unfair to me that my credit is suffering for inaccurate information and there's nothing that I can do to rectify the situation. I refuse to pay money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX/XXXX, XXXX XXXX, and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.

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 2021-04-02
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I have reached out to National Credit Adjustors on numerous occassions and requesting validation of my debt but they fail to produce any documents for the same but keep reporting it on my Credit report. They are highly unprofessional and extremly unhelpful. 
Below are the key details for this debt : 1. Amount owe : {$300.00} 2. Dates reached to NCA : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
3. XXXX  # XXXX. 

They keep saying they requested the document but its almost an year and they are not able to provide any documents. This need to fall off my credit report ASAP. Also, i am not sure but even if this debt is true which i highly doubt this is beyond the statue of limitation and can't be persued for by this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this company is reporting to transunion on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
Uhm first off, I was wondering who gave you authorization go through my credit?

When I got my car, I never expected them to pull a credit report to 8 or so different banks. The only on that is legit is XXXX XXXX. Are you able to remove all the i necessary hard inquires? I had no idea they would pull hard inquiries XXXX XXXX, I said to fill out a form to see if I am prequalified and wine affect my credit but there Is a hard inquiry for that one Also I have NEVER herd of XXXX XXXX XXXX. Although theee was a credit card company call XXXX XXXX. I never activated it and they charged me for the first year and then I didnt know it automatically activated ( never hear this happen ). But it shows a late fee which I do not have.

Can you help remove the XXXX  in and XXXX XXXX once and for good OFF my record.

Under XXXX there re more accounts I dont know about. 1. XXXX 2 XXXX XXXX 3. And finally the XXXX XXXX  card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint relates to both the Apple Card and the XXXX XXXX card from XXXX. Specifically, it is too difficult to reconcile charges on the card issuer 's statement with what was actually purchased with the card. 

The XXXX card lists purchases from XXXX as " XXXX '' and Apple similarly lists purchases from Apply as from " Apple.com '' Like many people, I make purchases from both Apple ( ongoing Apple Store content subscription items like the Washington Post or XXXX ) and XXXX ( virtually everything ). In order to reconcile the statements with my charges, I need to go into the XXXX or Apple web site and try to match each charge on the statement with something I ordered. And I can only do this by amount of each charge or an order number, since what I purchased is usually not even hinted at on the statement. 

Sometimes this is impossible, because XXXX sometimes does not record a purchase in its order listing ( e.g. the annual XXXX fee ) and XXXX inexplicably omits items on the statement from the transaction listing in the Apple Card app. For example, on my last statement, a purchase of a charger from the XXXX store appeared on the statement, but not in the transactions listed on the Apple Card app. 

Finally, while XXXX has a search feature on the " Orders '' page of its web site, when I use it the search feature tells me only that there are some matching entries to the order number, but won't tell me what they are. So either the web site has a problem or the search feature only works on certain unidentified browsers. 

This whole process is simply too opaque and time-consuming to the consumer if one simply wants to make sure all the charges are valid. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: BANK OF THE WEST
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:
these acoounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK WEST Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: HYUNDAI CAPITAL AMERICA
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a lease that was supposed to end in XX/XX/XXXX. I took the car back to the dealership on XX/XX/XXXX, returned the car and entered a new lease with the same company. Was advised older car was paid off, and no future payments would be withdrawn. I received an email stating that a payment will be withdrawn on that account on XX/XX/XXXX. Not sure how they can do this when the account balance is XXXX. They say it is because I am still in autopay. How can I be in autopay when the balance is XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I've contacted SunTrust and raised the issue with whomever called me back however there's no potential resolution at their level. 

SunTrust is not reporting mortgages in forbearance as " delinquent '' to the credit agencies - that's in accordance with the existing regulations. However, SunTrust is in fact putting a " delinquency notice '' on mortgage statements that harms consumers attempting to secure loans in the lending market.

Imagine customers who are economically disadvantaged or historically disenfranchised ( minority populations ) who already struggle to get loans only to have their application require a current mortgage statement from SunTrust that says at the top of it " Delinquency Notice ''. SunTrust is putting, in effect, a Scarlet letter on their mortgage statements and it eliminates consumers ' chances to be approved. I've been told that directly by loan processors and underwriters.

SunTrust needs to amend their mortgage statements and remove those delinquency notices from them. I'm fortunate that I have resources and can work around these kinds of tricks that mortgage companies play however it's wrong and harmful to other consumers.

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