BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I first learned about this when it showed up on my credit report. I disputed the debt in question through the credit reporting agencies to have it investigated. Both XXXX  and XXXX  investigated and removed the error off my credit report. But the collection still remain on XXXX. I reached out to the fitness company in question but they were uncooperative only saying " they didn't have a record and that is perhaps because it went to collections ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19 I filed a complaint about pro collect in search for something as simple as a receipt for a {$550.00} payment that was made on XX/XX/19. This morning a representative Ms XXXX I believe her name was called me in her attempt to rectify the situation. However she did not give me any option for a receipt my only options were to pay the balance in full for a paid in full letter or to use my statements. This is not an official receipt! How am I to prove that I have paid you or what my balance is on the account if I do not have a statement. the rep continued to ask me with her harsh tone if I wanted to cancel the payment plan that I did not want to set up in the first place but was told I had to because they do not accept partial payments it has to be on a plan. I told her if I can not receive a receipt or documentation on the plan yes please cancel. She then told me that my balance for BOTH of my accounts are now due in full. This is not fair as the account that had the plan has nothing to do with the other account as they are two separate accounts. This is an unfair attempt for retaliation and I think they need to be investigated for their policy and tactics as a financial collection service. I had not problem paying them back until I was told that I would not receipt the appropriate documentation until I give them all of the money. The rep then asked me if I have received any of their attempts to collect ( which she knows I did not because I changed my address in the system with her when I made the initial payment ) she then told me she can send a bill for the balance of both of the accounts to my address on file. You mean to tell me you can not send me a receipt or proof of payment but you can send me a bill and request for payment of debt?

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 2018-04-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX charged my wife and I for a personal property tax and late payment fees on our leased XXXX XXXX XXXX without informing us of the tax charge. We are on autopay and pay our bills timely each month. We were never informed that there was an outstanding personal property tax charge or associated late fees. 

Today, XX/XX/2020, we learned that our credit scores were destroyed by XXXX, which claimed to the credit bureaus that the personal property tax and late fees were delinquent. We were never made aware of the situation, via email, phone call, or regular mail. In fact, we only receive monthly emails that our autopay payment has been received. 

We reached out to XXXX XXXX XXXX today to no avail. We will not be doing any further business with XXXX when this lease is over.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
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:
It has come to my attention that XXXX XXXX XXXX, has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : XXXX XXXX XXXX   Account # XXXX has one 30 days past due as of XX/XX/XXXX The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and XXXX XXXX keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

XXXX XXXX  The 30 day late reporting made by XXXX XXXX XXXX is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. XXXX XXXX XXXX has received payment in the month it reported me late.

What the attached proof of payment shows is that XXXX XXXX XXXX account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting XXXX XXXX XXXX  directly buXXXX XXXX XXXX  keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding EQUIFAX and XXXX  responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
In XX/XX/XXXX after numerous calls, I agreed to make monthly payments to midland credit management even though I told them I couldn't afford it, but I was afraid they would have tried to sue me for my stimulus check that was on its way during that time, and it also didn't help that their letter was threatening legal action against me if I didn't respond. So, I agreed to XXXX dollars a month for each account the XXXX and XXXX midland bought this account from XXXX  XXXX as collateral. I tried paying those payments but I couldn't, so I stopped. As a result of not being able to pay ; midland is now XXXX  the credit report system by reporting each account twice a month. The first report was on XX/XX/XXXX, and the second was on XX/XX/XXXX, XXXX midland tactics are abusive. my credit score went down 4 points as a result of their XXXX I currently owe the dept of education XXXX how in the world would midland think I could afford to pay them. please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
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:
In XX/XX/XXXX, my fico 8 score was a XXXX. I had 3 soft pull inquiries from 3 financial institutions ; XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX, which raised my score by 15 points. XXXX XXXX, XXXX, I applied for a XXXX XXXX credit builder account ; I made early payments 2 times in 2 months and was promised my fico 8 would raise by XXXX points if it was not subprime ; little to no credit at all, but was only rewarded 30 points total. XX/XX/XXXX, I started working full time and had the utilities that are accepted by Experian boost put in my name. Experian boost promises to build your fico 8 by 6 points each streaming service, cell phone services, and utilities. I purchased all 6 streaming services ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX, and my fico was supposed to be raised by 36 points. XXXX and XXXX  XXXX are the only utilities Experian boost accepts to boost ; 12 points. I also have 2 cell phones with XXXX  and XXXX  ; 12 more points with Experian Boost. I also have a XXXX  debit spending account, which promised to raise my fico 8 by 35 points. I recently opened a 2nd XXXX XXXX account on XX/XX/XXXX, which promised to build my fico 8 by 45 points if an account is {$1100.00} in good standing by the sixth month. XX/XX/XXXX, is the 6th month and my score of 8 has not been reported on my Experian by the FCRA yet. XX/XX/XXXX, I recently applied for 2 credit-building accounts ; XXXX and XXXX. XXXX is to build my fico by 45 points within 6 months ; XX/XX/XXXX with Experian. XXXX builds by 45 points with XXXX  and XXXX  XX/XX/XXXX. Due to the Covid 19 Pandemic, XXXX states no penalty for not being able to pay your bill ; the 1st time I have heard anything like this. Due diligently, XXXX helped me find the answers to a lot of the financial literacy questions I have. Experian customer service representative named XXXX, told me nothing was resolved. 

XXXX Starting Fico 8 15 3 financial institutions 30 1st XXXX XXXX  Credit Building Account 12 2 utilities ; XXXX  XXXX/XXXX 12 2 cell phones ; XXXX/XXXX  35 XXXX  Spending Account Debit 36 6 Streaming services ; XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX = XXXX 45 2nd XXXX XXXX Credit Building Account = XXXX By XX/XX/XXXX ; the 6th month 45 XXXX Credit Building Account by 6th month ; XXXX XX/XX/XXXX = XXXX By XX/XX/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 2019-01-18
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
*****NEW EVIDENCE FROM XXXX XXXX CEO XXXX XXXX ... .. HE WAS THE ORIGINAL MORTGAGE BROKER ... HE CONFIRMED HE SUBMITTED PROPER ESCROW AMOUNTS TO XXXX XXXX ... AND XXXX XXXX COMITTED LOAN ORIGINATION FRAUD IN DIRECT VIOLATION OF THE TRUTH IN LENDING ACT BY CHANGING THE AMOUNTS THEY MADE THE PAYMENT APPEAR LOWER TO THE BORROWER ... AND THEY DECIEVED THE ELDERLY XXXX YEAR OLD VICTIMS**** ***XXXX XXXX AND NATIONSTAR ( WHO XXXX XXXX SOLD THIS LOAN TO ) HAVE BEEN ACTIVELY CONSPIRING TO DEFRAUD THE U.S. GOV ... MORTGAGE INSURANCE ... AND CONSUMERS IN DIRECT VIOLATION OF COUNTLESS LAWS*** NATIONSTAR IS FULLY AWARE OF THIS LOAN ORIGINATION FRAUD AND THE LATER ESCROW FRAUD AND HAS BEEN FOR SEVERAL YEARS AS WE SOUGHT CIVIL RESOLUTION WITH A BASIC REQUEST TO HONOR OUR RIGHTS*** XXXX XXXX COACHED XXXX XXXX TO CONSPIRE AND ENABLE THIS FRAUD WHILE HE WAS EMPLOYED AT NATIONSTAR ( XXXX XXXX   NOW WORKS FOR XXXX  AS A VICE PRESIDENT ... ALSO FOR A COMPANY CALLED XXXX XXXX ACCORDING TO HIS VOICEMAIL ) ***WE ARE MOVING FORWARD IN A COURT OF LAW ON THE CIVIL SIDE BUT I ALSO WANT TO SEE CRIMINAL PROSECUTION AND FINES FOR A CORPORATE CULTURE THAT FEELS IT IS ABOVE THE LAW***YOU HAVE LOAN FRAUD, ESCROW FRAUD, WIRE FRAUD, THEFT OF PRINCIPAL WITHOUT PROPER CREDIT, MAIL FRAUD, CONSPIRACY TO DEFRAUD U.S. GOVERNMENT ( BY STEALING HOMES AND LLEGALLY COLLECTING FEDERALLY BACKED INSURANCE PAYMENTS ) ALL PROVEN AND I HAVE THE EVIDENCE TO SUPPORT IT IN ANY COURTROOM*** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 outstanding child support collection on my transition credit report also on my XXXX credit report im no longer on child support and I was taken off and all my back was forgiven, I have XXXX in collections that Im not due to pay I submitted this same claim but on XXXX and it was removed.

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 2021-08-18
Company: Convergent Resources, 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: Account status incorrect

Complaint:
I received notification that my account had a collection added, I have never entered into a contract with Covergent outsourcing. They have not mailed anything to my house, and they've never been given any ofpersonalinformation.

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 2021-04-07
Company: EQUIFAX, INC.
State: KS
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:
Equifax refuses to investigate my claim about the prior issue with XXXX  XXXX and how it need not be reporting as i provided and explained exactly the reasons, a mere recap is As noted the CFPB is aware of the XXXX  XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the XXXX, under both Federal and Kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX XXXXXXXX XXXX account as its not accurate, its unfair and deceptive and illegal. This and the inquiry on Equifax need to be removed. The Trade-Line must be removed from XXXX, XXXX and especially Equifax. '' The INQ and Trade-Line at present still are reporting to equifax and Equfiax, i may add is also the most deceitful CRAs and was the result of a massive data breach the like we shall never see because of there willfully negligent data practices, was the report used to open the account! The Response was typical negligent usurper STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. '' This is utterly insulting and needs to be investigated immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment of XXXX to close the loan. It has 149 days and counting And still I can not prove I own the home I live in.

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 2019-01-18
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:
On XX/XX/2018 I received an updated TransUnion credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX.

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me.

On XX/XX/2018 I sent a dispute letter ( attached item C ) to TransUnion detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After TransUnion conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was TransUnion able to verify the account?

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms.

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my TransUnion credit report. This is my final attempt at a resolution with TransUnion regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.

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 2021-05-01
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: Was not notified of investigation status or results

Complaint:
On the following dates I filed the following disputes with CFPB : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX CFPB - you have allowed the credit bureaus to not act accordingly to my FCRA rights as a consumer. I have filed several complaints with you, which you've closed my complaint every single time. You have allowed the credit bureaus to use the stall method acting as if I was impersonating someone else which is XXXX. I am the original creditor per the FCRA and no debt can't be validated unless " I '' the consumer validate it. This has caused me XXXXXXXX XXXX loss of employment due to this public record on my credit report which is a violation of 15 USC 1692d ( 1 ) states any bad debt furnished on my credit report is ruining my reputation. This defamation and emotional stress. 

I have been asking for a remedy and haven't received anything yet. My privacy is being violated continuously. Since you have been closing my accounts with no remedy and not holding the credit bureau accountable, if this issue is not resolved I will be seeking litigation on you.

I am a California Consumer and I will refer you all to the district attorney office. 

I have also filed a complaint with the FTC and XXXX 

Removed this off my CREDIT NOW!

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