BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have a Judgment against me District Court XXXX County, Civil Action No : XXXX, amount of Judgment {$850.00} plus interest. From XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 
My girlfriend got a letter from XXXX XXXX dated XXXX/XXXX/XXXX, notifying her that a hold has been placed on her safety deposit box at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The reason for this was because my name is on her safety deposit box, which has her family property in it, nothing in there is mine. I called XXXX. XXXX XXXX who is handling this for XXXX XXXX XXXX, the account in question has been closed for over a year, there is a XXXX XXXX debit card assigned to that account which has also been frozen, I explained to XXXX XXXX that all my money at that bank is Social Security monies, he told me that I had to send him the last 3 months checking account statements, that they would look at them and then decide if they would release the block. I myself have a safety deposit box there also which has been blocked from, they can have it as it only has XXXX XXXX XXXX dollars in it. I also explained that according to Section 207of the Social Security Act ( 42 U.S.C.407 ) states " The right of any person to any future payment under title shall not be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or orher legal process, or to the operation of any bankruptcy or insolvency law ''. Subsection 207a or 207b do not apply to this matter. 
He also refused to accept my award letter as proof from the Social Security Administration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
A debt collecting agency called saying we were about 2 month behind on our mortgage etc.. And I when to the bank working with our mortgage company. The banker called the mortgage company. They told it needed to be updated, we where told the price of the home insurance it was over {$6500.00} a year for 8 years and increasing. So this was making our mortgage go up often more. This made me panic again. We called another insurance company, they quoted a price that was more then 2 times less. Im going to call another insurance company to compare this quote also. We need our money back Im on XXXX check I can continue paying a mortgage and insurance like this please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet has several late payments on my accounts. My accounts have been in good standing for many years because I have either done a deferment or forebearance on them over the years. In XX/XX/2018  Nelnet has late payments on all of my accounts with them due to some communication issues. I have attempted two times to rectify the situation with them by disputing with the credit bureaus, but they have not fixed the error. I would like these items updated the information on all of my Nelnet accounts including the recently closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting to my Transunion report that I opened an account XX/XX/2017 for a balance of XXXX. I did not opened an account during that time. I have requested they send me a contracted with my signature on that date and they have yet to do so. This debt is not mine. I would like to them investigate this account providing me with documentations and signed contracts of an account that was open on said date.

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 2019-01-24
Company: EQUIFAX, INC.
State: KY
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:
Hello, I had a past credit card with XXXX XXXX that was opened on XX/XX/XXXX. The account was settled for {$270.00} and closed on XX/XX/XXXX. 

Since then XXXX XXXX still has the account on my Credit Report with Negative marks each month for non-payment and showing a balance of {$370.00}. This has had a negative impact on my credit score for years. 

It has made my rates on car purchases, and even my mortgage be higher than it should be. 

I have disputed this account with the different credit report companies such as XXXX ( still open dispute since XX/XX/XXXX ), and with Equifax. They have been unable, or unwilling to remove this false information. It looks like MANY unpaid payments, late payments, high balance, etc when in fact the account was settled to {$0.00}. 

I also have contacted XXXX XXXX multiple times. They show I made the settlement payment on XX/XX/XXXX and they still have not fixed this issue on my credit report. 

At this point who knows the damage this long standing error is causing. I have contacted XXXX XXXX again today and was told the same information. They refused to send me a copy of the payment receipt and said they could not until after they do another dispute review, I will contact my bank to get a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
XXXX Or XX/XX/2018 I Filed Bankruptcy And Credit Acceptance Is In My Bankruptcy And Both Cases Is Closed But Why I'm Still Making Payments? I Tried Talking To Credit Acceptance (  XXXX ) But No Results. Before I Forget My Vehicle Was Repo And I Paid Over Twenty Four Hundred, And They Keep Adding Interest While It's Paid OFF Where Is My BILL OF SALE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I received a payment to my Paypal account in the amount of XXXX on XX/XX/2018. Two days later, I noticed the amount was not being reflected in my balance and reached out to Paypal support for help. I have been in contact with them multiple times and have followed all of their instructions : opening a ticket with their XXXX technical support, waiting 24 hours for the fix, waiting a week for the fix, opening a second ticket with their XXXX team, etc. I even suggested ways they could fix the issue like issuing a credit to my account. 

They have now stopped responding to my enquires and have not provided the funds or any additional information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I applied for a credit line on XX/XX/XXXX which was approved for {$100000.00}. I made payments on the account until XX/XX/XXXX, at which point I felt behind 2 payments. On the 3rd month I reach out to the service department of Bank Of America to make a payment in full for the amount due so I could bring the account to current status. At that point I was told that the account had been charge off with no prior notice ( no mail notice, email, or phone call ), And they had all my current information. I was told their was nothing they could do for me. The only thing I could do was to pay the amount due in full {$100000.00} and that wouldn't even remove the charge off from my credit report. I have tried to make arrangements to correct this account on my credit report and bring the account to {$0.00} balance but they refuse to work with me. The only answer I heard from them was we can't offer you a settlement, you must pay the full amount, but we can't remove the charge off from your credit report. The last time I reach out to Bank of America I even requested to speak to the person in charge of the financial department to see if I could get a settlement and the answer was the same ( WE CAN'T DO ANYTHING FOR YOU, YOU MUST PAY THE AMOUNT IN FULL ).

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 2018-08-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX is a company of XXXX and XXXX  XXXX up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, Equifax, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, Equifax, and XXXX and cancel my debt with XXXX I will contact Civil Rights Commission and  think about next step on how mortgage is denied. Frauders and liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
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: Was not notified of investigation status or results

Complaint:
EQUIFAX COMPLAINT Equifax intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to XXXX XXXX, in 30 days and or til date, despite XXXX XXXX repeated requests. Second, XXXX XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, XXXX XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX XXXX. Hence, Equifax again went silent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Experian Information Solutions Inc.
State: MI
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 sent 3 letters to XXXX  and Experian requesting that they properly verify and conduct a reasonable investigation of a collection account on my report. They have stated that it was verified, but I have not received anything that proves the account is mine or that it is complete and accurate. I also requested validation from the collection agency ( XXXX XXXX ), they failed to properly validate the debt. 
I sent the same request to XXXX and they removed it because they could not properly verify the debt. I am requesting that the information be removed per the Fair Credit Reporting Act. If this is not removed I will pursue litigation.

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 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent 3 letters to Transunion and XXXX requesting that they properly verify and conduct a reasonable investigation of a collection account on my report. They have stated that it was verified, but I have not received anything that proves the account is mine or that it is complete and accurate. I also requested validation from the collection agency ( XXXX XXXX ), they  failed to properly validate the debt. 
I sent the same request to XXXX and they removed it because they could not properly verify the debt. I am requesting that the information be removed per the Fair Credit Reporting Act. If this is not removed I will pursue litigation.

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 2020-06-25
Company: Experian Information Solutions Inc.
State: NV
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:
In 2018, I began disputing this date. Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I have requested proof of validation. So far, none of the companies have been able to provide such proof. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian & XXXX no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX, Experian and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.

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 2019-03-31
Company: Eagle Accounts Group, 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 belongs to someone else

Complaint:
I just recently took a loo at my credit report and I noticed that there were some child support accounts on my credit report that aren't mine. Below are a list of XXXX XXXX accounts that i need removED ACCOUNTS : 1 ) XXXX XXXX XXXX  -AMOUNT {$3600.00} -DATE OPENED XXXX2017 -ACCOUNT # 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 2021-10-08
Company: EQUIFAX, 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 my credit union to apply for an auto loan and was approved with a high interest rate. I ask them why was my interest rate so high and they said because of my credit. Now I dont check my credit everyday but I know that my scores were above 700 and has been that way for the past 20 years. I went home and took a look at my credit on the XXXX XXXX thingy and I see several accounts on here that are not mine XXXX, XXXX XXXX XXXX, XXXX. I also see several student loans on there that are not mine. Now that really was the red flag because I didnt even graduate from high school so how is that possible. The last thing I see are lots of Inquires that are not mine 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. I also filed a complaint with the FTC and my police station here. I am doing this on my own and need someone help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/XXXX I informed Capital One Bank that my Identity had been stolen open credit card accounts. in the complaint I included my police report, Identity Theft Report from the FTC and an Identity theft report affidavit notarized. also, I supplied a furnisher statement. they responded by stating after their investigation they concluded that either I or someone I knew had authorized access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: MA
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 acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called XXXX XXXX XXXX XXXX that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud. They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau Equifax almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX Portfolio Recovery XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX  Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation