BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I have requested that Transunion investigate XXXX XXXX XXXX because I don't have an account with them. Their results indicated the account as verified. I spoke with XXXX XXXX briefly. I then told them that I have never heard of them. They have no Consumer Contract with my valid signature to verify this account. The Customer Service representative told me that they have my social security number as means to verify this account. I have been a victim of Identity Theft. My social security number could easily be obtained from the Dark Web. Transunion is allowing this company to verify my account using my social security number even though I submitted a written request requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act.

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 2019-11-11
Company: EQUIFAX, INC.
State: ME
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:
A fraudulent collections account appeared on my credit report about two months ago. After a month, I had it successfully removed. When first encumbering my account, this fraudulent and in-no-way representative collections account droppped my credit score over 100 points by itself. When it was removed a month later, one would expect that a fraudulent account that had literal no relevance to my consumer activities or reality in general because it never existed and should be treated as such, would be followed up after its removal by an equivalent value by which it decreased your score returning to it. This is simple logic, if a certain factor is introduced that deducts 50 points away from someones measure of performance in some hypothetical area, and that factor never belonged there to begin with, is found as fraudulent and removed, any reasonable person and any acceptable interpretation of the Fair Credit Reporting Act, particularly if brought before a judge ( I am a XXXX and plan to do this if nobody else takes action about the absurdity of this ) would say that fair representation by credit reporting would mean placing the injured party into the position they would have been in and had enjoyed prior to the legal wrong, in this case a fraudulent collections account. There is nothing that can be said as to any logical merit or justifying considerations that would remotely help this clear aberration in proper methodological practice for credit reporting pass muster under any review as to whether or not such a formula is consistent with the objectives and purposes set forth in the Fair Credit Reporting Act, not to mention whether it unjustly deprives an Individual of repetitional benefits previously enjoyed before hte wrongful portrayal of credit, or whether it amounts to defamation or slander to purposely know that the information being reported isnt accurate nor based on a methodology supported by common sense let alone logic or scholarly research and whatever else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to Transunion dated XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please have these accounts repaired : XXXX  XXXX XXXX, 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 2021-09-22
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:
Credit bureau is in violation of FCRA act by taking longer than the allowed time to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received an email from lender saying my property tax had been paid in the amount of {$1100.00} to XXXX County, NC. I had received a tax bill from XXXX County several weeks earlier in the amount ( s ) {$620.00} ( if paid by XX/XX/XXXX ) or {$640.00} ( if paid by ( XX/XX/XXXX ). The lower amount was due to property tax relief my wife and I were approved for due to my senior citizen eligibility ( we have approval letter as well ). I contacted lender and sent them revised tax bill. I also contacted XXXX County tax office and was told any overage received would be returned to lender. When taxes still showing unpaid in XX/XX/XXXX, I contacted lender again. I was given information about a parcel ID number to which taxes were applied which did not match parcel ID on my tax bill. I called XXXX County tax office with this information and was initially told this was a tax exempt property and paid taxes should be returned to lender. As now three months had passed since problem noted, I contacted lender again and was assigned an " Escalation Agent '' in " Escalation/Help Team '' ( XXXX XXXX - ( XXXX ) XXXX is her direct contact number ). She told me she would be the person contacting me with updates. On XX/XX/XXXX I received an email from her indicating the parcel ID number where my tax escrow payment was misapplied and given a name on that account. I called XXXX County tax office with that information and payment in the amount of {$1100.00} to wrong account was verified. My taxes remain unpaid and I was told lender would have to handle misapplication but I was still responsible for property taxes due. I contacted lender again and requested immediate payment of my property taxes and fund put back in my escrow account in the amount of {$1100.00}. I advised lender I would reduce upcoming mortgage payment amounts until this amount was credited if not done so immediately. Lender agent reply was my taxes would remain unpaid until they were able to obtain reimbursement for improper payment and no funds would be returned to my escrow until that time as well. I was further advised that parcel ID error was the result of original lender providing wrong information ( my  current lender took over servicing late XX/XX/XXXX ). As of this date ( XX/XX/XXXX ) issue not resolved and taxes unpaid. It is my contention that escrow funds from my account misapplied/misuses in violation of Federal Mortgage Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Affiliate Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt of {$100.00} is not my bill. This debt was bought by another debt collector Pendrick Capital Partners II in XXXX, VA. This was reported to my credit bureau again after it was removed and disputed. This was disputed and taken off my credit report by XXXX  when the last debt collector had the account. Now I am being harassed again. The supposed creditor was XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX. I do not owe them a bill. I have not done business with this company. I do not owe the debt please provide validation of the debt with my signature. I have not agreed to any services or signed a contact with the supposed creditor. I want a copy of the signed agreement ASAP. If I am not provided with a copy of the signed agreement I will be contacting an attorney. I believe this fraud and this is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX - XXXX, 2019 I made a selling transaction for bitcoins worth {$7100.00} on a website called XXXX. The transaction was done to 2 different individuals. One was for {$3000.00} and the other was {$4100.00}. The buyer was to send me payment through XXXX XXXX to my bank chase. Once I received the funds through XXXX I will release the bitcoins to them. And that is exactly what I did. I have receipts and everything. The next morning at around XXXX XX/XX/2019. I got out of class and tried going to the gas station to fill up my car. I used my chase debit card and it was automatically declined. I thought it was a mistake because I just checked and I had {$7100.00} in my account. I called up chase and the lady on the phone told me that my account from chase is preparing to be shut down permanently. I was confused and rushed over to the bank to talk to someone immediately. When I arrived to the bank no one could help me. They reached the fraud prevention online center and the manager of the fraud department told me that my account was flagged for suspicious activity and that my account and funds will be frozen until they finish their investigation. I tried explaining them what happened but no one seemed to cared. Not only did chase froze my account and took my money without an explanation but they also affected my relationship with other financial institutions such as XXXX  and XXXX XXXX XXXX. On XX/XX/2019 I made a payment of {$250.00} to pay off my monthly credit card bills using my chase account. And on right after I received my money from XXXX from the buyer I immediately transferred {$6500.00} into my XXXX  trading account. The money that I paid to XXXX XXXX XXXX was successfully processed and so was the funds to my XXXX  trading account. But since chase has frozen my funds and locked my account, they also reversed my payment through XXXX XXXX XXXX and XXXX. Now Im affected by not only chase but these 2 other institutions. XXXX  XXXX send me an email threatening to close my account down because of chase reversing my funds without my permission and now I have to sell out of my position on XXXX  just to even out the {$6500.00} that was supposedly already went through but is now being reversed because of chase. Everyday Ive been calling chase fraud department and theyve given me a different answer every time I have called. At this point Im out of luck and very frustrated and confused. All I want are answers and my hard earned money back. I understand that chase has the right to close my account down but they dont have the right to take my funds away from me and reverse payments that arent authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. The XXXX and TransUnion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & well being. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1200.00}

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 non-monetary relief
Consumer complaint received 2018-09-13
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXX-this account doesn't belong to me. Please delete. 
XXXX XXXXXXXX XXXX XXXXXXXX this account doesn't belong to me. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Nelnet, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In the month of XX/XX/2023, The company Nelnet Student Loans combined my student loans together. Previously, there were 3 accounts that emerged into one account held by Nelnet. By doing so the major credit bureaus : XXXX, XXXX and XXXX XXXX dropped my score stating that my loans increased. The amount never changed only the number of accounts. This transaction has dropped my XXXX score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am constantly being harassed by XXXX XXXX he constantly states that he is a compliance officer for XXXX XXXX XXXX and he is filing a case against me, he reaches out to my family and threatens to call my employer but never tells me any information when I speak to him he constantly tells my family that he is going to come to there house and look for me. He doesnt state who he represents but he leaves a number for me to call with a case number that leads me to a woman stating she is my case worker for my loan with loan me and she is filing against me in XXXX XXXX court 2 allegations. They dont tell me what company they are they just tell me they are representing Loan Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am so disappointed how XXXX, Experian and XXXX 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP /XXXX  XXXX, 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 explanation
Consumer complaint received 2022-01-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/2021, the following unfair or deceptive act occurred : I was offered a repayment plan beginning on XXXX XXXX extending for a XXXX period with a payment of XXXX for payments accrued during the XXXX XXXX moratorium period. Although I disagreed with the plan and despite numerous attempts only received boiler plate responses from an automated service without the courtesy of a signed employee or any relevant information that led to the automated response, I made the 1st payment signed and received by your XXXX XXXX XXXX office on XX/XX/XXXX 4 days before the due date of the payment. Along with other letters for an appeal of the finding as per section RIGHT OF APPEAL SPS never processed the check, when I noticed my check not being processed, I called on XX/XX/XXXX to inquire and was told my payment was not received and the payment plan rescinded I promptly and a payment for the lost check and filed an appeal and furnished USPS Proof of Delivery on XX/XX/XXXX at XXXX am

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The CFPB has decreed that medical collections under {$500.00} are to be removed from consumer reports. Transunion has not followed the CFPB 's instruction and are violating my consumer rights. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Alleged Balance : {$380.00}

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 non-monetary relief
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX, XXXX XXXX account ending in # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2021-09-22
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I received a debit collection letter ( copy attached ) from XXXX, XXXX for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) for {$160.00}. 

On XX/XX/XXXX I sent them a letter ( copy attached and postmark envelope ) explaining I do not owe this debit and have never received any medical services from XXXX XXXX XXXX XXXX. 

In XXXX of XXXX, XXXX XXXX of XXXX, XXXX sent me memo ( copy attached ) the account has been closed and returned to our client. 

On XX/XX/XXXX I received a debit collection letter date XX/XX/XXXX ( copy attached ) from XXXX XXXX for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) for {$220.00}. 

On XX/XX/XXXX I sent a letter ( copy attached and postmark envelope ) to XXXX XXXX at XXXX XXXX and to XXXX XXXX XXXX XXXX, explaining I do not owe this debit and have never received any medical services from XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I received two ( 2 ) Debit collection letters dated XX/XX/XXXX ( copies attached ) from Debit Recovery Solutions for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). The total balance due is {$250.00} with a total discount offer of {$180.00}. 

I have been trying to resolve this bogus debit for almost two ( 2 ) years and need your help to end this revolving door of collection agencies for a debit I DO NOT OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Accelerated Receivables Solutions
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a debt with XXXX XXXX XXXX XXXX, which I was making payments on. I had paid almost half of the amount, and then discovered via my credit score that a debt had been sold to collections. I received a statement from Accelerated Receivables in XXXX Nebraska. I do not recall the total amount of the debt, but I have bank records to show that I remitted a {$250.00} payment on XX/XX/XXXX of 2019. I shredded the statement with some other bills that I had made payments on. Sometime in either late XXXX or early XXXX, I contacted Accelerated Receivables via their online email option. I requested either another statement, or possibly an email with my account information so I could continue to make payments, as I had shredded my account information. In this email, I advised that I have an unusual work schedule, working second shift at the local XXXX, and that phone calls usually went unanswered since most came during the hours I sleep. I did not screen shot or document the date of this email, I assumed it was a simple enough request and I would be given the needed info to continue paying my debt. The closest thing I received to contact from this company was a phone call on XX/XX/XXXX at XXXX, while I was sleeping. No voicemail was left. I never received a return email, nor did I receive a statement with my account information. I tried several ways to make a payment using their website, but every option I found required my account number, which I didn't have access to. 

Time passed, and I was served notice that I was being sued, while I was at work, getting  XXXX XXXX ready for a XXXX XXXX in the XXXX I was put in a situation where I had to put a XXXX XXXX XXXX XXXX XXXX to stop and find out I was being sued for 'refusal to pay ' a debt that I had attempted to pay. Funds are increasingly limited, and I can not afford a lawyer, so I was unable to do anything in response to this action. Now I'm getting letters about wage garnishment. I do not deny I owe the initial debt. I attempted to pay this debt. Accelerated Receivables was notified that I needed information to continue to remit payment, and refused to provide this information, making it impossible for me to make a payment on this debt. Had this information been provided, there would have been no reason for them to turn it over to the courts, and there would be no lawyers fees and court costs, which have increased the balance claimed to over {$800.00}.

Company response to consumer: Closed with explanation