BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 tried on several occassions to resolve the removal of account of my report, they keep saying they investigate but never provide any details as to whom and what was provided to them showing it belongs to me, in which this account does not belong to me and should not report as collections. 
1. XXXX XXXX XXXX {$6000.00} is a debt showing from XXXX which is not listed on any of my CBR reports. This account does not belong to me, I called XXXX XXXX and disputed this acct and advise never had a car for this company they refer to XXXX XXXX whom claims this has been closed and statue of limitations has run out since from 2012, this account needs to be removed off my CBR, When I called XXXX which is part of XXXX XXXX they have no record. So not sure where they are getting the information this is mine, I have requested a numerous times proof of debt, proof of possession, signature card, this account has been open via fraud by the car company XXXX XXXX XXXX XXXX and I never took possession of the car that they are stating belongs to me.

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 2020-05-08
Company: EQUIFAX, 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:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Along with a plethora of fraudulent credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-12-08
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house sustained flood damage as a result of XXXX XXXX. I received an insurance check in the amount of XXXX. The check issued was a XXXX party check made out to myself and my insurance company. I called my mortgage company 's Loss Draft department and was told to send them the check as well as a copy of the damage report. I did so and XXXX 'ed both on XX/XX/2021. They state that they mailed out the endorsed check to me on XX/XX/2021 and I never received it. I contacted them asking for a tracking number and this multi-million dollar company told me they just slapped a stamp on the sucker and hoped for the best. No tracking, no confirmation it was even sent, nothing. I asked how they could do that and the rude woman on the phone told me they'd do that even if it was a XXXX check and said if i wanted better I should have pre-paid for a XXXX label. This option was NEVER given to me. If it was, I would have taken it in a heartbeat. Instead, I am being forced to go back to the insurance company, request a new check, draft a letter stating I never got the the check, mail it all to them again and hope that history doesn't repeat itself. I asked to speak to a supervisor but was instead transfered to a voicemail box. I never received a response. I emailed twice, no response. I love how a mortgage company could lose your payment check with no repercussions, but if they lost mine I would be hit with late fees and interest from day one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, my husband DIED unexpectedly. Unfortunately my husband was having some difficulty with the mortgage and it was in the rears when he died all of a sudden. As an heir of the property, I recently contacted the mortgage company to request a 6-month Forebearance so that I can get things in order legally through probate court. 

I mailed a certified letter with a copy of my marriage certificate enclosed with letter requesting the forebearance on XX/XX/XXXX. It was brought to my attention the foreclosure process was IMMEDIATELY started in XXXX and my husband hadn't been deceased for 30 days! 

Now the mortgage company is seeking to put my home on auction on XX/XX/XXXX without allowing me sufficient time to make an attempt to resolve this situation. This home has been in our family since XXXX. 

My home is worth approximately {$450000.00} and there was loan of {$300000.00}. taken out in XXXX. If given the opportunity to sell my home, the loan of {$300000.00} can be repaid because the value of the home is greater than what is owed on the home. 

I have made several attempts to speak to the attorneys of the mortgage company however I have not received any response from them at this time. I believe my family is being taken advantage of as we grieve the loss of our husband and father! As his widow, I am requesting help with this matter. It would be out right criminal to take advantage of our family as we grieve his sudden death and then loose even more by the loss of our inheritance which has been in our family for 30 years or so. 

I would deeply appreciate any assistance with this unfortunate circumstance. His loss is devasting and I believe our family was not given adequate time to adjust to his unexpected death as I take the proper steps to resolve through probate 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 2020-07-23
Company: Affiliate Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pendrick Capital Partners, LLC has attempted to collect a debt from me using multiple debt collection companies. The first attempt was by Affiliate Asset Solutions , LLC in XXXX of XXXX. A timely request for validation of debt was made on XX/XX/XXXX to Affiliate Asset Solutions, and no response was sent. I believed the issue to be resolved. 

However, Pendrick Capital Partners used a second collection agency to attempt to collect this debt again in XX/XX/XXXX. This agency is XXXX XXXX XXXX. A request to validate this debt has been sent on XX/XX/XXXX. The only explanation I can think of for Pendrick Capital Partners to use a different collection agency is to get around the requirement to not contact me without validating the debt first. At this point, I feel that I am being harassed in an attempt to collect a debt that is not mine. 

I attempted to call Pendrick Capital Partners to send them a letter, but they insist that all communication about the debt go through their debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and I noticed that I had unauthorized inquiries on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I joined XXXX just so I would get better service, and the service is still awful. I disputed one account last year and it was supposed to be removed, however recently I saw that XXXX is still reporting it incorrectly. I also have tried with all three of the reporting agencies about the removal of late payment, they can't be investigating it correctly because I contacted the company and was told that they could not find a late payment. Additionally, all of these companies report better scores when you become a member. This has to be fraudulent behavior. I would like to have all three companies to be investigated about having to be a member in order to get your score reported correctly.

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 2023-04-08
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 Fair Credit Reporting act XXXX  XXXX - Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX 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 explanation
Consumer complaint received 2018-12-30
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified through a credit alert that a new collections was placed on my credit report. I contacted the collection agency to explain that I never received anything in writing that I owed this debt. I was told this account was open in XX/XX/XXXX and the account was in a name I havent used since XX/XX/XXXX. I have never lived at the said address associated with the account. Also I filed Chapter XXXX in XX/XX/XXXX and if this was a debt I owed it would have came up way before now. I would like the error to be removed from my credit reports now. The collection agency only wanted to talk about how I was going to pay the debt and not provide me with a letter to validate this debt Original Creditor Name XXXX XXXX XXXX XXXX Amount due : {$120.00} Opened XX/XX/XXXX ( 1 mo ) HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 or about XX/XX/2018 a dispute was entered to Trans Union credit bureau concerning 2 state tax liens showing on my credit report. 

Under the provisions of their National Consumer Assistance Plan the to tax liens listed below do not show the name, address, and at least the SSN or DOB of the consumer.

Additionally, the National Consumer Assistance Plan mandates removal if the CRA has failed to verify the public record posting within the last 90 days. 

1st : Trans union failed to verify the public record posting within the past 90 days of dispute.

2nd : Posted item does not show correct address or full SSN or date of birth.

3rd : I have not or ever lived at XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX As of this date Trans Union only re verified incorrect information

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 2022-11-14
Company: EQUIFAX, INC.
State: AL
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:
Equifax has refused to follow suit with other credit bureaus. XXXX and XXXX have removed all incorrect information from my credit report. XXXX will not follow suit and refused to send debt validation letters with SIGNED CONTRACT WITH MY LEGAL SIGNATURE. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. PLEASE FOLLOW SUIT WITH OTHER CREDIT BUREAS AND IMMEDIATELY REMOVE INACCURATE ACCOUNTS OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$630.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: McCarthy, Burgess & Wolff, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/20 I sent a letter to McCarthy Burgess & Wolff stating that I was a victim of identity theft ( XXXX_signed copy _Identity Theft Letter to Debt Collector_ McCarthy_Burgess_Wolff ) The letter was sent Certified Mail Return Receipt, with a tracking # XXXX, and was in McCarthy Burgess Wolffs possession as of XX/XX/20. 
The letter explained to McCarthy Burgess Wolff that I am a victim of identity theft. In addition, the letter informed McCarthy Burgess Wolffs responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
McCarthy Burgess WolfXXXX was asked to provide me with the records I requested ( XXXX_signed copy _Identity Theft Letter to Debt Collector_ McCarthy_Burgess_Wolff ). 
Again, McCarthy Burgess Wolff was in receipt of this request on XX/XX/20. The 30-day deadline for me receiving the required documents has passed as of XX/XX/20. 
Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. 
The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( e ). Each guidance document states that businesses must provide records directly to victims upon request. 
Despite the FCRA 's requirement, McCarthy Burgess Wolff has declined to provide the records I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: TN
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 fair credit reporting act XXXX account number XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-16
Company: Experian Information Solutions Inc.
State: NC
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 applied for an XXXX XXXX thru XXXX XXXX. they approved and sent out a card. I could not get the card activated so I called to activate ( XX/XX/XXXX ) They could not activate card after 2 months back and forth calls. They told me to reapply which I did ( XX/XX/XXXX ) the second card was activated and I have been using it since XX/XX/XXXX. I recently checked my credit report and found XXXX XXXX had reported the first card which was never activated, used, or had a balance of any kind as a charge off on my credit report. I immediately called XXXX XXXX ( XX/XX/XXXX ) and after multiple calls they told me I had tried to open a card with them with my fathers XXXX XXXX  this was not true and they had given me a second card with the same information in XX/XX/XXXX. I believe someone at XXXX XXXX reported the first card as a charge off and now they can not figure out how to take it off my credit report. who knows how much damage has been done to my credit with a charge off there for almost one year.

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 2021-01-26
Company: EQUIFAX, INC.
State: MI
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:
Well I just got off the phone with the lady at XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX when one I know a debt collector doesn't and can't show a license that they have to collect a debt and then when I gave her the acct number which she didn't have she told me that it doesn't matter and that they don't have to follow section 609 of the FCRA which is scary. So they are constantly dinging my credit on an account and amount that they don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a gift card on XX/XX/2023, that was fraudulently used. 

I contacted Incomm immediately to dispute the charge and request a replacement card, opening case number XXXX. 

On XXXX XXXX, XXXX, Incomm requested documentation on the card, which I provided and also attached to this complaint. 

Since then, I have not heard any updates on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates : XXXX XXXX XXXX. 

Original Creditor : XXXX XXXX  no official notarized paper trail of account ownership offered by Portfolio, just the typical 1 liner of : " The original amount of this account was {$1400.00} '' as their sole means in which to claim ownership of account. 

What date was the last purchase or payment - the official time to mark the clock for 7 years? Not offered by Portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Hillcrest Davidson & Associates
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't know who these people are at Hillcrest Davison, and Associates, and what debt they could possibly be trying to collect. I am all paid up on everything. I have no credit card debt, student loan, mortgage, car payment : NOTHING.There was a dispute with XXXX for an early termination contract, but I settled that months ago through the XXXX ( and have it in writing from them ). XXXX discharged the early termination fee and said so IN WRITING to the XXXX and myself. These XXXX at " XXXX XXXX '', who are a bunch of thugs, have been calling my home #, my cell #, and my MOM '' s phone #. They are harassing me for a debt I do not owe. I am not going to call them back and deal with a bunch of scammers, because that is what they are. I spent literally months dealing with the XXXX at XXXX before we finally got it settled, and now these guys are trying to hassle me? I see their website has been hacked, too! I would NOT have any sort of dealings with these people. They are con artists and scammers.

Company response to consumer: Closed