BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My mortgage company XXXX failed to help me to put the account under forbearance due to job loss and being unemployed because of Covid-19. Back at the end of XXXX of this year I have reached out to XXXX and notified them about the hardship my family was in and requested for a 6 month forbearance under the CARES Act. I spend almost an half an hour on the phone with a representative and I was assured the account would be put in six months forbearance. Since then I have contacted the company several times because both me and my husband have gotten credit alerts from the three bureaus about delinquencies. I know for a fact that there was a call on XX/XX/2021 and the rep has made notes that I have called and followed up to make sure the forbearance was in effect. Now I was XXXX at the time and for almost 8 months I was lied to by this companies representatives. I have called numerous times and its all in record with them and each and every time I was ensured that someone will take care of the issue with forbearance and also correcting mine and my husband 's credit reporting. We have had other creditors decreasing and also closing our credit cards because of Cenlar 's incorrect reporting. Cenlar has sent me a letter saying that the credit reporting is correct and no one bothered in their company to go through the notes and see that they made a huge mistake. They are in violation of CARES Act. During this pandemic a lot of families have been suffering and I know that the treatment I have received from them is unlawful. My first mortgage is held by XXXX XXXX and all it took was one phone call and they were able to help us. Now I was XXXX  throughout this process and CENLAR has caused me a lot of emotional distress. 
I demand for this company to reach out to al three credit bureaus and correct the reporting by removing the delinquencies from both my and my husband 's accounts within the next two weeks. I also want someone to reach out to me and explain why the forbearance was not placed from XXXX to all the way XXXX when I called and said we are ready to resume payments. All my statements could be verified through their phone recordings. 

Best regards, 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 explanation
Consumer complaint received 2020-06-30
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 is missing that should be on the report

Complaint:
On XXXX XX/XX/2020 a had an hard inquiry from XXXX XXXX, and it has expired. ( To be removed ) and I did not have the 5 points Removed by this inquiry returned. and on all the other 2 expired hard inquiries on that month I receive five points. XXXX + XXXX XXXX XXXX = XXXX not XXXX. I respectfully ask that you Equifax fix this error. Attachment shows mishap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C Systems Inc a debt collection agency has an unknown debt on my credit report. They are not authorized to collect debts in Florida. And I have written multiple 609 letters and debt validation letters asking them to validate this debt to me by showing the proper proof this is my debt or remove it from my credit report. They have failed to provide any documentation and I have no knowledge of this debt. Nor have I given my personal identification to this company or the creditor they are representing. Also this same debt is being reported on my credit reports twice. Please have this debt removed from my credit reports as per consumer law they have not legally validated this debt and are inaccurately reporting to my credit reports.

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 2020-06-24
Company: The Phoenix Recovery Group
State: OK
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:
My lease was completed with town XXXX XXXX XXXX  and was on month to month when I moved out. I do not owe {$7000.00} one month if rent is not {$7000.00}. I have asked for legal documents to be provided by the ones reporting this to the credit bureau and nothing has been provided. I am currently seeking legal representation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-24
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020, after more than a month of attempting to file an online dispute ( their site has been having technical difficulties for more than a month now ) I contacted Experian requesting a dispute of the bankruptcy on my credit file. They are the only one of the three credit companies that have been able to validate the information. It has been removed from the other two. In the dispute I requested to be provided all evidence demonstrating that the company provided proof that the data I have disputed was valid. I requested this be provided to me, from the company, in writing. They provided the dispute electronically and failed to provide any details. They stated, " The company that reported the information has certified to Experian that the information is accurate. '' At no time have they provided any details on how they validated the disputed information. They fail to provide any details and direct me to contact the company. It is not my place to contact the organization about information on my credit report, it is theirs. They are the ones reporting the data and I disputed it with them. If I need to contact the organization reporting the data, I need Experian to provide the data I requested. Namely the name and direct contact information of the individual ( s ) contacted at the organization, as well as their role in the organization, so that I may contact them directly. Of the three credit reporting agencies Experian is the only one that A : claims to have been able to validate the information ( the other agencies have removed the reported data ) and B : fails to provide the details as requested to demonstrate they in fact validated the data. I want to know who, what, when, where, and how the data was validated so that I may recreate the results. I request more than just a statement saying they contacted the company and validated the information. I want them to prove it. I refuse to " take their word for it ''. How was they contacted, verbally or electronically? Who did they speak with? What evidence did they provide to validate the information was accurate? When did they provide it and where did they provide it ( electronically, verbally, in writing ). I have requested this information, in several disputes on several occasions, they always just provide the same statement and fail to provide anything else. The bankruptcy on my credit needs to be removed or they need to provided details documentation to me on how this was validated, with whom, when, and by what means. I need the who, what, when, where, and how details to attempt to follow up on my own.

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXXXXXX  continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX  score XXXX points for no other apparent reason other than them putting a remark on the XXXX  account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.

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 2020-06-24
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX and Experian.  


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-24
Company: Resurgent Capital Services L.P.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019, XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX sent a summons for court on behalf of XXXX XXXX XXXX for the amount of XXXX. In XXXX we had pre trial conference in which I stated this was not my account. Documentation was sent back and forth and in XX/XX/2019 we were set for trial. The judge ordered the case to be dismissed in XXXX because LVNV Funding did not want to proceed due to lack of evidence. I requested this account be removed from my credit report which is was but then put back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my 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 2018-10-24
Company: Experian Information Solutions Inc.
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:
Credit Card shows XXXX XXXX not my account my name is XXXX XXXX account doesn't belong to me. SS number and name doesn't match. SS Card number and name is XXXX XXXX. 

FTC report filed for two accounts XXXX XXXX XXXX and XXXX. Also inquires are not mines I have a fraud alert that one must contact me at number listed before credit is issues. I was also part of a breach

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 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Credit Card shows XXXX XXXX not my account my name is XXXX XXXX account doesn't belong to me. SS number and name doesn't match. SS Card number and name is XXXX XXXX. 

FTC report filed for two accounts XXXX XXXX XXXX and XXXX. Also inquires are not mines I have a fraud alert that one must contact me at number listed before credit is issues. I was also part of a breach

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 2019-01-09
Company: EQUIFAX, INC.
State: PA
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 recently identified that I was a victim of identity theft. I followed the steps that was told to me. I have already contacted the FTC and the police dept. There are still items on my credit is not mine. I'm doing this myself and need your help. 

1. XXXX XXXX XXXX ( XXXX and XXXX ) 2. XXXX XXXX ( Equifax, XXXX and XXXX ) 3. XXXX XXXX XXXX ( Equifax ) I dont know if you guys can help also with these inquiries I know nothing about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
GM financial has REFUSED to VALIDATE the repossession. Please see attached CERTIFIED letters. 

It's been over 90 days. 

This repossession was illegal therefore this should be removed from my credit report. 

They 1. Ignored me for 60 days. 
Then 2. Sent me the LOAN DOCUMENTS. 

I asked for the STATE AND FEDERAL NOTIFICATION LETTERS needed in order to LEGALLY repossession vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/XXXX Today is XX/XX/XXXX and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Actions being taken on my account # XXXX without my permission. 

Unauthorized use of my information I spoke to representative and asked for validation of the debts Requested proof of investigation and records of my account Burden of proof falls on the corporate The institute was paid when I gave them credit during our initial consumer credit transaction day 1 and to unfairly make deceptive claims is unlawful Practicing deceptive behavior by furnishing incorrect, erroneous statements is unlawful Requested 1099 tax form Contract binding both parties Affidavit of Truth wet signature by chief executive officer XXXX XXXX directed to me the consumer. 

With prejudice I never refused to pay on requesting to validation the debts. 

I am a natural person and a consumer per federal law US has been actively bankrupt since XXXX and money is backed by nothing it is only paper debt and cant be used for payment. Only credit and gold or silver. 

Willful noncompliance is unlawful Violating my consumer rights is unlawful Not upholding regulation z, Truth in Lending is unlawful I know the finance charge is the sum of all charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Specialized Loan Servicing Holdings LLC
State: OR
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:
My wife and I have been trying to get a hold of Specialized Loan Servicing from XX/XX/2020 up to the current date XX/XX/2020 after calling and being on the phone for more than 40 minutes on with an automatic service being transferred from one place to another without being able to speak with an actual person, leaving a call back number, emails. also having a third party to contact them on XX/XX/2020 throughout the entire day no response. I have exhausted all forms in order to get a hold of them with my concerns on my mortgage I have also filed a complaint with the BBB on XX/XX/2020 for this matter in hopes of some type of resolution but I have not yet gotten a callback. It has been a nightmare dealing with this mortgage company.

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 2021-10-13
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. my credit cards and personal information was used without my permission This creditor is not only reporting fraudulent transactions but also aware that this account had fraudulent transactions in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent transaction and the accounts in dispute. I have never had any goods or services from these transactions they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. the fraudulent Transactions i did not give any permission to charge my credit cards or use my personal for any reason. I have contacted Discover multiple time and reported the fraud and nothing has been done and they just keep saying that i have to pay for the fraudulent transactions on the account even after they have requested me to file a police report and identity theft affidavit that have done. 
The fraudulent transactions haven't used the card since 2014 the fraudulent amount is {$4500.00}

Company response to consumer: Closed with non-monetary relief