BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: Resurgent Capital Services L.P.
State: CA
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:
XXXX XXXX XXXX RESURGENT CAPITAL SERVICES L.P. account no.XXXX are wrongfully appearing on my XXXX and XXXX credit bureau XXXX XXXX XXXX the debt buyer for XXXX, ALSO ACCT NO.XXXX.THE ACCOUNTS HAVE BEEN RE-AGED.The correct date of first delinquency is XX/XX/XXXX DAYS LATE.The account was never brought current and was closed by the creditor on XX/XX/2012 when it was 90 days late. 
I have attached both the original creditors reporting to XXXX that have been verified many times along with XXXX XXXX.it is easily seen that the information, though verified as correct reports wildly different between the bureaus and is incomplete on key payment history dates. 
IN two months from today, if accurately reported both the original creditor and XXXX XXXX would age off the report. 
Please note what appears to be intentionally fraudulent reporting by the collection agency and original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
State: TN
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:
On or about XX/XX/2018 I submitted my first dispute letter, per section 609 of the consumer 's Fair Credit Reporting Act section to each of the major credit bureaus, XXXX, Experian, and XXXX to inform them about the incorrect account reporting on my credit file. There is a total of XXXX negative items that were disputed. 

I did not receive a favorable response from neither of the credit bureaus. I have submitted dispute letters every month since XX/XX/2018 through XX/XX/2018, which totals 8 months and 8 dispute letters. 

The last response letter that I received from Experian stated that the investigation will no longer continue, although I have sent new information to support my claim. 

The last response that I received from XXXX was only a copy of my report reflecting no changes in the investigation process. I requested information regarding how the investigation process was conducted and who verified the accounts, but I have not received a response from XXXX regarding the investigation process. 

The last response that I received from XXXX stated that the information was verified as accurate although NO actual proof was supplied by the collection agencies nor creditors to XXXX. XXXX updated each disputed account with information regarding the credit entry rating, payments made, name correction, etc., but none of the actual information was deleted per my request. The accounts are reporting incorrectly, and should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-30
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into forbearance on XX/XX/2021. 
I was current on my mortgage at the time. 
I was informed that the forbearance included XXXX 's payment, however I was still charged a late fee of {$140.00} for that month. I had asked to have the late fee waived and I was denied. 

Also, on XX/XX/XXXX, I had enquired with the lender about exiting forbearance and what my repayment options would be. I was informed that my only options were to pay the past due amount of {$14000.00} in XXXX lump sum or agree to sign a loan modification which would raise my interest rate and monthly payment. I was also told that I only have a week to decide and the offer would be withdrawn and they only provide one offer. 
I don't feel that this is fair and I feel that the lender is taking advantage of me the consumer in this case. 
I had also asked about deferment and was told the VA does not allow this option. After contacting the VA, they stated this to be false and they most certainly do allow the deferment option. 
I want to get my mortgage back on track but I don't feel that it is right or fair to have to pay a higher monthly payment over the course of the entire loan of 30 years to do so. In the end I would have to pay approximately {$60000.00} in additional interest ON TOP of the {$14000.00} past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
The Kohl 's credit card that had a XXXX limit was used by XXXX XXXX XXXX while I was incarcerated at XXXX metro corrections between XX/XX/XXXX and XX/XX/XXXX this can be verified call the jail and ask for records. I've disputed this with all companies. XXXX  is the only one that won't remove this. I've spoke with Kohl 's as well, the fraud people there took no time to make a decision that this was not fraud just because I didn't make a police report, well it is hard to make a report against someone who is deceased XX/XX/XXXX XXXX obituary. I did not use the card nor could it be possible for me to use it. Now they want to add {$180.00} in interest and offer me a 60 percent settlement which turns into paying XXXX for a XXXX limit. I'm not paying interest on a card I never used. Every month they report XXXX  failed to pay even though they closed this account and charged it off YEARS ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2020-07-08
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX  XXXX {$820.00} DTEDXXXX XXXX {$820.00}

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 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi. Some person i knew got my social security number and birthdate and ran a hard credit check on my credit line. And try to apply for a XXXX XXXX card on my credit they live in XXXX Tennessee that i know they it was an old friend from 10 years ago trick me for my identity because im in the hospital and just had XXXX thank goodness i know how to report this please get back too me on this asap. Thank u.

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 2018-08-06
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I obtain a loan for {$2500.00} through a pre-approved offer in the mail from mariner finance. When i tried to make a payment, I was informed to go online to make my payment. I went online and made 2 payments 1 for {$96.00} and another for {$500.00}. When setting up the payments to be debited from my checking account, I inadvertently added an extra digit to my checking account numbers thus the payments did not go through for incorrect account number. I was contacted by Mariner Finance and realized the mistake and corrected it immediately and made a payment of {$96.00} which was debited from my checking on XX/XX/18. I then sent a check in the mail to the branch in XXXX XXXX, MD where my account is held for a {$1500.00}. On XX/XX/XXXX I check my account online and noticed I had a late charge for {$29.00} even though I see the {$1500.00} was credited to my account. When i called to inquire about the late charge the representative I spoke with informed me that my account was coded as not to accept checks because of the 2 items that did not go through because of the wrong account number and even after the other charge was debited from my account onXX/XX/18 ; it their policy that i must come into their office and pay cash or by money order. This is unacceptable as a consumer that I should be inconvenience or pay extra to send a payment to each month to Mariner when they already received a payment from my account with the corrected account number.

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 2021-06-30
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft for years now, there has been a recent reporting of " A XXXX XXXX XXXX '' that I have not applied for. On recent credit report their is an assigned date and no collection date. I have not received any billings or correspondence from said " XXXX XXXX XXXX '' I have uploaded an affidavit proving my various instances of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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 status incorrect

Complaint:
I have repeatedly contacted my mortgage servicer and I am currently on Loss Mitigation which protects from negative credit reporting, and they have reported me as 150 days late even though Im protected through Loss Mitigation. This has brought my credit score tremendously. I have an email from them stating that they will not do this and they keep doing it. Please update the credit report, this is really and has been a daunting process with this mortgage servicer. I have been approved by the state of California with a grant to pay my past due balance and they continue to report this even being on loss mitigation which protects negative credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE A ACCOUNT FROM UNIVERSAL RE ACCOUNT NUMBER XXXX BALANCE IS {$150.00} I DO NOT OWE THIS COMPANY ANY MONEY, IM REQUESTING A DEBT VALIDATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Hello Digit, LLC
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As of XX/XX/2020 I have not been able to save anything using the money saving app called digit. I use this app to save money without having to actually do it myself for pennies on a dollar. Id like to be able to continue using this service.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
State: KY
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:
The XXXX XXXX credit card that had a XXXX limit was used by XXXX XXXX XXXX while I was XXXX at XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX this can be verified call the XXXX and ask for records. I've disputed this with all companies. Experian is the only one that won't remove this. I've spoke with XXXX XXXX as well, the fraud people there took no time to make a decision that this was not fraud just because I didn't make a police report, well it is hard to make a report against someone who is deceased XX/XX/XXXX XXXX obituary. I did not use the card nor could it be possible for me to use it. Now they want to add {$180.00} in interest and offer me a 60 percent settlement which turns into paying XXXX for a XXXX limit. I'm not paying interest on a card I never used. Every month they report FP failed to pay even though they closed this account and charged it off YEARS ago.

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 2023-05-10
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX from N.A.R. Inc. has in fact called me a couple of times today, within a 4 minute timeframe, I got a call from my mother stating that I needed to call her back because she received a call from XXXX directly after her attempt to call me. 

XXXX XXXX would not say who she worked for ... she did not tell my mother that she was a debt collector ... she did not say that this was an attempt to collect a debt. She gave my mother my personal information, including what phone number they had listed for me, and which address.

She started the call by saying that she knew me, and that she was trying to get ahold of me. She said, I have the phone number ***-***-**** for her, is that correct?

Also the address. Then proceeded to drill her for information on where I am currently working. She also said that she had left me a couple of messages when she in fact has not. I do not answer unidentified number calls, unless they leave a message, I dont call them back. To top that off ... I called her back twice, and she didnt answer. Her voicemail doesnt identify where she works. I had to XXXX the phone number to find out where she works. 

This is harassment ... plain and simple.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I try to make a payment on a branch and was closed. I call them to make the payment woth debit card on my overdraft and they dont want to take my credit card. Generating a overdraft fee of {$30.00}. They dont want to return my {$30.00}.

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