BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting inaccuracies to my report.

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 2017-08-09
Company: Resurgent Capital Services L.P.
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:
A derogatory remark and reporting on my credit report from an alleged debt from XX/XX/XXXX. I have requested validation of debt and collection agency has not responded to me. I also submitted a dispute with credit bureau 's and they have not fixed the issue all they did for me, they added a remark on my account that reads " Account information disputed by consumer, meets FCRA requirements '' How could this meet the FCRA requirements when I have never received any notification from any agency regarding this alleged debt. I been residing at my current location since XX/XX/XXXX and never received any letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in 2007 with a subprime lender named XXXX XXXX XXXX. 
My loan was in the amount of {$75000.00}. It's is now 14 years later and only {$5000.00} has been applied to the principle. I had two loan modifications and never missed a payment that wasn't made up. I am current today. I asked for the amortization schedule because I have never received one. I was told by the loan servicing company that there was none in my file. What caught my attention is that I noticed that the princple payment is smaller than it was in 2007. I asked the company how my payments were being applied and what determined the payment applications and they said that the payments were being applied according to the amortization schedule that they don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Their investigation did not fix an error on your report

Complaint:
As a lawful consumer Ive been violated of my rights due to the fact the consumer reporting agency and/or data furnisher of the company attached to this complaint is not reporting 100 % accuracy across my credit file. I have attached photo proof of the inaccuracies I mus add in detail that on this photo I've circled in yellow months that this company hasn't reported no data to bureaus and payments was made on-time and paid as agreed. Thats a perfect example of how unaccurate the data-furnished could be! I've also mark with a red X the late payments this company is also reporting that are also unaccurate and I am aware the creditor must report 100 % maximum accuracy or information shall be modified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX/XXXX/XXXX I contacted Direct Express at XXXX XXXX and spoke with customer service to dispute a transaction on XXXX/XXXX/XXXX of {$92.00} with XXXX XXXX They said they were transferring me to Dispute Department but I was redirected by the voice system to a recorded message telling me to call back and hund up. On my second attempt the same thing happened. i want to open a dispute for this transaction. I never checked in to this hotel or check out. There is no camera footage of me doing so. A family member was delayed getting into town. The hotel would not allow me to make adjustments well in advance. I want this transaction reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have contacted Transunion on several different dates to have fraudulent inquires removed. I have mailed in all the required documents on two separate occasions, by certified mail. On two of the phone calls I spoke with someone who said they received the documentation and would remove them, but before I received the conformation number the phone was disconnected. I called back twice after that and they are now saying they do not have the documentation and they can not remove the inquiries. The last phone call I made was on XXXX XXXX, XXXX at XXXX am and I spoke with a supervisor name XXXX XXXX and he stated that they do have any documentation from me stating that these inquiries are fraudulent. He informed that they could not remove them.

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 2022-08-12
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 status incorrect

Complaint:
XXXXXXXX XXXX XXXXXXXX and XXXX  XXXX Has reported false information under my report. Account has been paid in full and I was never ever late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Incorrect name and addresses are listed.

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 2022-04-01
Company: EQUIFAX, INC.
State: FL
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:
IN ACCORDANCE WITH THE FCRA XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX ACCT # XXXX {$470.00} EQUIPMENT WAS RETURNED AFTER MOVING OUT OF STATE, XXXX SAYS DIDN'T RECEIVE. REQUESTED THEY RUN CAMERA SURVEILLANCE AND THEY DENIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was checking my credit report and saw some unauthorized and unvalidated inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have never attended college. I have a loan that surprised me for {$100000.00} with XXXX. When I call they can not tell me where this loan originated from, which school the money was dispersed to, or which student the money is linked to. 

When I call the XXXX XXXX XXXX XXXX they state that this loan was one loan for {$75000.00}. There is no master promissory note or documentation assigned to this loan. They also can not tell me where the money was dispersed to, which student it is linked to, or where the loan originated from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received an " Income Execution '' in the mail from my Local County Sheriff 's office on XX/XX/XXXX. the Amount says {$10000.00}. I called the Sheriff 's office to ask if this real and who was trying to enforce this. They said there was a judgment on XX/XX/XXXX for the amount of {$5500.00} against me filed on XX/XX/XXXX. they gave me the Dedt Collectors information as Selip & Stylianou , LLP in XXXX NY. I called the firm and reported fraud based on them telling me it was from XXXX XXXX XXXX for a XXXX XXXX XXXX  Visa card. I looked up XXXX XXXX and said they went bankrupt in XXXX. I never shopped or had an account with XXXX XXXX.The dept collector said that they would put the account on hold and investigate the fraud. I never heard back from them nor did the Sheriff 's office until late XX/XX/XXXX. The Sheriff 's office told me to call the debt collector to follow up which I did. They sent me a letter on XX/XX/XXXX to return documentation. Certificate of Fraud, State ID, Proof of residence as of XX/XX/XXXX, Police report, Prior letters disputing the debt. I never knew about this until XX/XX/XXXX so there was no police report or certificate of fraud. They keep demanding a deadline to send this information to them. thank you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage was paid off in full on XXXX/XXXX/XXXX and Bank of America submitted the Deed of Release to XXXX XXXX, XXXX XXXX XXXX of Deeds. The instrument number that Bank of America submitted was voided due to missing an e-file certification page. Bank of America never resubmitted the release of deed. I am currently trying to sell the house and I am having issues trying to get this from Bank of America. I have contacted them over XXXX times and feel that nothing has been accomplished. I do not know what steps I need to take next in order to obtain this release of deeds from them. I am attaching the instrument number that Bank of America initially submitted that was voided.

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 2022-04-01
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquiries on my credit file that i did not approve or have knowledge about and they are fraudulent.

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 2020-10-08
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
I live in Florida and because of the pandemic I lost 30 % + of my income starting in XXXX when the Stay at Home order was enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
IN ACCORDANCE WITH THE FCRA XXXX ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX ACCT # XXXX {$470.00} EQUIPMENT WAS RETURNED AFTER MOVING OUT OF STATE, XXXX SAYS DIDN'T RECEIVE. REQUESTED THEY RUN CAMERA SURVEILLANCE AND THEY DENIED.

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 2021-05-13
Company: Kikoff Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, XXXX, I entered a written dispute with ACCOUNT RESOLUTION SERVICES reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which did not belong to me. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim that the account did not belong to me. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of false reporting.

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 2021-05-13
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax is reporting a discharged bankruptcy on my credit report.I asked for method of verification. Never received it. I asked the court do they verify with third party they said no. Therefore if court said they do not share this information how could Equifax legally report bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
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:
IN ACCORDANCE WITH THE FCRA XXXX  ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX ACCT # XXXX {$470.00} EQUIPMENT WAS RETURNED AFTER MOVING OUT OF STATE, XXXX SAYS DIDN'T RECEIVE. REQUESTED THEY RUN CAMERA SURVEILLANCE AND THEY DENIED.

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 2020-04-25
Company: EQUIFAX, 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 XX/XX/2020 I filed a dispute with XXXX  and Equifax about a XXXX XXXX Credit card opened fraudulently in my name. I uploaded a copy Of my Identity Theft Report only for it to come back remains on report on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
i made XXXX payment {$1500.00} on XX/XX/XXXX, i made XXXX payment {$1500.00} on XX/XX/XXXX, i made XXXX payment {$1500.00} on XX/XX/XXXX, all XXXX they applied my XXXX payment as a mortgage payment. which is correct, they applied my XXXX payment as a mortgage payment. which is correct. but they applied my XXXX payment as additional principal which is NOT correct. I discovered it because i was about to pay XXXX payment. i called three different days and talked to three different clerks. monday, XX/XX/XXXX, talked to XXXX at XXXX. he said it would be fixed in a few hours. tuesday, XX/XX/XXXX, i talked to XXXX at XXXX. she said that she couldnt do anything because its processing from monday. wednesday, XX/XX/XXXX, i talked to XXXX at XXXX, she stated that's she was having problems processing it and wanted my phone number to call me back when it was completed. i've had trouble with this company before and its not a good company. my opinion from being a mortgage holder. i need them to correct the last payment on XX/XX/XXXX and apply that for the mortgage payment as i had submitted it on their website. i submitted as a mortgage paymt. but someone changed it to additional principal. as you can see, they all are the same mortgage payment amount. i want them to fixed the ( error ) so that i can make my XXXX payment. the company action to fix it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: SinglePoint GI
State: UT
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:
Just received my XXXX dispute report number XXXX. General Revenue needs to provide how they verified to XXXX this account that was due to fraud and identity theft, if you never retrieved the XXXX police reports even though the police report numbers were given to you all yet you failed to request the documents from the local police department. How can you legally verify a debt to XXXX and XXXX XXXX as 100 % verified and accurate without retrieving the police report documents? Instead reporting back to the credit bureaus this debt is 100 % complete and accurate? You have failed to do a 100 % complete and accurate investigation and reported this debt anyways. I am seeking damages for these violations and gathering up all necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: MA
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:
Inaccurate and fraudulent accounts from my credit report.

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