BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company has been notified a number of times that this account is a result of identity theft. I have reported this to police and the Federal Trade commission. Police report Done in XXXX PD case # XXXX officer XXXX  Badge # XXXX. FTC report # XXXX. I also have screen shots of all the telephone numbers LVNV Funding LLC calls from. They call from various numbers all all the county trying to trick the consumer. They even make local numbers just to call me from. They will deny this but the phone log on the XXXX does not lie and when the numbers are called back they answer with their business name. I am going to turn this list of number and screen shots over to the Attorney Generals office for harassment and the fact they keep reporting this ID theft account on my credit reports. The account is reporting as XXXX XXXX XXXX for XXXX on XXXX etc. via LVNV Funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Experian Information Solutions Inc.
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:
In XX/XX/21 I disputed this account ( XXXXXXXX XXXX ) that it showing inaccurate payment history for ( XXXX mos ) showing 120 days consecutively late. How can this be accurate? " Correct Rating XXXX '' are suppose to show XXXX, etc. I have repeatably requested that this account be validated and to this day you have not corrected this information. FCRA states that information must be verifiable and 100 % accurate! I Demand that you update this account to show " PAID AS AGREED '' or I will litigate this due to the stress that you have cause me.

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 2019-04-29
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account US Dept Of EdXXXX XXXX XXXX Account XXXX XXXX  XXXX Unverified Account

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 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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: Problem with personal statement of dispute

Complaint:
This is a general policy issue. Consumer debt is at an all time high. If you pay a credit card off and closed the account your credit score goes down. This policy needs review we should be encouraging and rewarding people for paying their cards off. What do you think?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: GA
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 was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing financial injury, Defamation of character and also I can't even attain a job. During this crises I can't even obtain a sba loan for my company as well as a place to buy in my name to stay. Applying for credit has be the most humiliating thing I've experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Verbal agreement with a third party debt collector ( XXXX XXXX XXXX ) to  pay an account in full and they would remove it from my credit reports. I paid them in full ( {$190.00} ) on XX/XX/XXXX and after over a year the tradeline is still reporting on my XXXX & Equifax Reports. They have continually fought against removing the tradeline even though they originally agreed to do so. Disputes with all three credit bureaus led to only XXXX deleting the tradeline. I filed a complaint here with the CFPB and their response was " CFPB referred complaint to the Federal Trade Commission on XX/XX/XXXX. '' I have also informed XXXX XXXX XXXX, XXXX, and Equifax that they are all in violation of Texas Finance Code Section 392 which states : ( a ) A third-party debt collector or  credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}.
The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. TEX. FIN. CODE 392.001 ( 6 ), MEANING XXXX & EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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:
There's a whole other name " XXXX XXXX, XXXX " and unauthorized accounts attached to my credit data / file, and I'm demanding that this other name inwhom is not mines and these accounts are removed immediately. As a consumer I'm entitled to consumer rights and protection against the 3 major credit bureaus as stated within the FCRA. I'm also demanding that all the addresses on my credit report be removed, all except the one that's on my id see the attached. Again please block the unauthorized name and these accounts on my report. 

1 ) XXXX XXXX XXXX ... ..name 2 ) XXXX XXXX XXXX {$3200.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX  {$4200.00}

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 2019-01-17
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with Selene Finance. The mortgage includes a XXXX  XXXX double wide mobile home and XXXX acres of land and the balance is about {$120000.00}. I had to file a claim with my insurance company, XXXX XXXX, because of water damage. The insurance declared tho home a total lose and gave me a check for {$20000.00}. The check was made to the mortgage company and me. Selene advice me to indorse the check and send it to their loss draft department which I did.My intention was to use those funds to help purchase a replacement home as I have no desire to lose my property. Selene will not release the money for me to proceed with the purchase of a replacement home. I do not have the money to buy the home myself. Selene says the will hold the funds in a restricted escrow until the mortgage is satisfied. I have spent hours on the phone over the last month trying to work with them to get this resolved but they are unwilling to release the money from the insurance that I pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There was a late payment that showed up incorrectly for my wells fargo credit card in XX/XX/2015. I paid the balance always on time and never any payment from either my wells fargo or other credit card ( I have 10+ credit card ) I made several calls and the bank disagreed to fix the issue. Why should I delay a payment on the a XXXX credit limit card while I always pay on time for my credit card with 30K+ limit

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 2017-07-29
Company: Global Lending Services LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I originally had a auto loan with Global lending services and the car was repossessed. I was not given a demand letter showing that the car was up for repossession. After the car was sold at auction I was still not given a chance to take car back if I made payment to get it back. I was supposed to be given 10 days. I do not feel Global Lending gave me fair warning or notice of default and the repo should not be placed on my credit for those reasons. Global lending account opened around X/2013 Account Closed and updated to show balance XXXX XX/X/2013. orginal car was around 15k

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
To Whom it May Concern : I am writing to update/correct my personal information on file with XXXX, TransUnion, and XXXX. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I wrote to Portfolio Recovery disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/XXXX. In the letter, I also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/XXXX, I received a letter back from Portfolio Recovery. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. They also provided a summary showing an amount, alleged original creditor, account numbers and the last 4 digits of my social security number. 

On XX/XX/XXXX, I responded back to Portfolio Recovery, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I never received a return receipt back. The tracking number showed my letter was delivered on XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX, I received similar letters to the ones they had sent to me prior, and they said the same thing. That they were denying any inaccuracies in the information furnished to the Credit Reporting Agencies and their investigation was complete. I never received any signed contract, and I never received any investigative report. So, I still dont understand how they concluded that the debt was valid and belonged to me. They also sent account statements showing consumer purchases. 
On XX/XX/XXXX I responded back to Portfolio Recovery and told them that I was still disputing the debt as no proper validation or signed contract had been furnished to me. In addition, I brought to their attention several consumer laws that they had violated and an amount that they owed me due to the violations. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and also included a return receipt. I have not received the return receipt but on checking the XXXX site, my letter was delivered to Portfolio on XX/XX/XXXX. 
As of today, XX/XX/XXXX, I have not heard back from Portfolio Recovery, and they are still reporting the collection account on my Credit Report. 
This account has not been validated properly and it should not be on my credit report. Please assist in getting a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: WA
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:
Disputed XXXX 2nd mtg that DOLA was XX/XX/XXXX. State of Washington SOL is 6 years for CRA to remove negative info. Got letter from CRA stated that XXXX had confirmed that DOLA was correct. I know it is correct DOLA, what I requested was that it be removed from my report, as it is time barred as of XX/XX/XXXX. Both other CRA 's removed this negative item from their reports as requested on XX/XX/XXXX. All I am asking is that Experian do the same as required by law in my state.If they continue with this show of disregard for the laws of my state of residence, what legal options do I have? I can not understand how other 2 CRA 's can do this with a simple phone call, yet these buffoons ca n't. PLEASE HELP!!! I am trying to refi my home and this is only item holding it up, I stand to lose the fee for appraisal if this continues much longer. Thanks for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: LEXISNEXIS
State: MD
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing XXXX XXXX, Defamation of character and also I can't even attain a job. During this crises I can't even obtain a sba loan for my company as well as a place to buy in my name to stay. Applying for credit has be the most humiliating thing I've experienced.

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 2019-09-19
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my loan was transferred from Ocwen to PHH Mortgage for servicing. PHH Mortgage is essentially just a new company that Ocwen created. I was given very short notice ( less than XXXX days ) about the change. Not a problem because I pay my mortgage on time. I attempted to locate my historical account statements on the new website provided by Ocwen/PHH and there is no historical account history. There is no form XXXX from XXXX. I have contacted PHH multiple times and they are refusing to post my account history to the website or provide online access to this information. They are also refusing to email this information. I can not verify if my mortgage and escrow balances were transferred correctly but more importantly I can not see/confirm my mortgage history XXXX including charges and payments ). 

We all understand mortgage servicing can change but the customer should not have to suffer by losing access to their account history, account statements, tax forms ( XXXX ), etc. PHH and Ocwen provided insufficient notice and they did not explain that customers would be unable to access historical account data.

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