BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-12
Company: Collections Acquisition Company, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I check my report often to make sure my information is reporting accurately. Last year I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I checked my XXXX report today XX/XX/XXXX and noticed this account listed on my credit report. Based on the information I show on my report, it was opened XX/XX/XXXX and was placed on my credit report this month, XX/XX/XXXX. It is reporting under the company Payliance as a collection for {$60.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. I want this account removed from my credit report immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: TD BANK US HOLDING COMPANY
State: NY
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:
TD bank marked me as late in XXXX of 2020 when in reality I wasnt late. 
I made a payment at a local TD Branch, and due to an internal glitch in their system. Although the branch admited that the payment wasnt processed as per branch manager, TD credit card servies is refusing to take responsibility for what occured in the branch, and are continuing to report a 30 day lateness for the month of XXXX. This account wast late, and shouldnt reported as such. Please correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: LJ Ross Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
L J Ross Associates is trying to collect {$3000.00} that they claim I owe XXXX XXXX. As Ive already told XXXX XXXX umpteen times, the withdrawals from my checking account that make up this balance were not made by me! They are fraudulent transactions. I do NOT owe this money and Im not giving XXXX or this debt collection company XXXX XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Shellpoint Mortgage Servicing We have recently completed a Chapter XXXX bankruptcy and have notice from the Chapter XXXX  Trustee, that we/they have paid our Mortgage payments as required and we were current upon closing of the case, XXXX 2017. We have made the payments required by Shellpoint since the closing and have canceled checks to confirm receipt by Shellpoint. They continue to insist that we owe additional funds that seem to be attributed to amounts they had not posted properly during the bankruptcy. According to our records, the bankruptcy trustee made final payments in the amount {$56000.00} on XXXX XXXX, 2017. They also made a payment in the amount of {$56000.00} on XXXX XXXX, 2017. We received a letter from Shellpoint of Notice of Default and Intent to Accelerate dated X/X/2017. We have contacted them and talked with several employees without resolution. We have asked them for an audit and a full explanation of the amount they feel is owing. They have sent us an account summary but we have not received an adequate explanation of the full postings in the bankruptcy. We have been working with them since XXXX 2017 and feel that they are not diligently pursuing resolution. We have had no control over the selection of mortgage holders since our contract was sold by XXXX XXXX XXXX ( XXXX XXXX ) several years ago, we wish to refinance with a reputable firm as we have no confidence in Shellpoint. We are unable to do that until this matter is settled. We would appreciate any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed this Chapter XXXX numerous times ; the latest case number was XXXX. I received an email stating that they were still investigating the issue and it could take up to 60 days to fully complete the investigation. When I submitted my documentation ; it was 80+ pages verifying that the above mentioned bankruptcy was no longer on my XXXX report. It was deleted because of inaccuracies, etc. I have also spent YEARS of dealing with attorneys trying to get this thing off of my record because it was inaccurate from the beginning. XXXX is the reporter for all local, state and federal debts ( including bankruptcies ). Per their disclosure XXXX XXXX XXXX XXXX received notification today ( XX/XX/17 ) stating that this investigation is complete and has been verified as accurate. That is NOT true and a complete LIE. I called Transunion, they kept repeating " this is a Chapter XXXX, its due to stay on your record for 7 years from the date it was filed. '' I kept telling the gentleman on the phone ; you need to due a thorough investigation ; as I have sent to you all that you need ; but you can not hold me accountable for something that is no longer being reported. I mailed out 80+ pages that have yet to be received in yet ( to each credit bureau to clear up the confusion but they are not taking this seriously. They need to abide by the law. 


Here is an excerpt from the FTC website and the responsibility from the CRA : https : //www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. 

Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.

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 2020-10-22
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously submitted a complaint against TRANSWORLD systems in regards to a collection they continue to report on my credit. They wrote me telling me that they previously replied prior to my first complaint, but I never received the letter they " claim '' they mailed to me. Only after submitting my complaint to the CFPB did I get them to respond. They suddenly sent me a print out of the debt they claim I owe, but they had 30 days to reply to the dispute letter I wrote them, and they never sent me the requested information. Among the questions I asked them, which I have attached to this complaint are as follows : 1. Copy of assignment of purchase from the original creditor. 2. Every charge and what was purchased, ie ; fee, payments, credit, interests. 3. How they calculated what they claim I owe. 4. Full chain of assignment from charge off to present. 5. Proof that they own the debt with full clear title. 6. Proof that they were on the original contract. 7. Proof that they are licensed to collect in my state. 
Please be reminded of XXXX vs XXXX Law Firm - XXXX vs XXXX XXXX XXXX 

They never answered these questions, and did not DELETE this account from my credit being that they are not able to produce all of my requests which I have a right to obtain. 

In addition to that, I have attached evidence that they tried to put on XXXX XXXX that I had made a {$25.00} payment, and then suddenly removed the remark from there. They also lied saying that I was affected by a natural disaster and ; this too is untrue. I have never spoken with anyone at this collection agency to tell them this. They are the ones that put that remark on my credit reports falsely. This is clear defamation and violation of my rights. I am giving them a final opportunity before I proceed to file a formal complaint with the GA State Attorney and to hand all of this evidence to my lawyer to proceed with a lawsuit in which I will be demanding {$1000.00} per violation if this account is not removed from my credit reports within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Consumer Portfolio Services, 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: Reporting company used your report improperly

Complaint:
This company has obtained my credit report without my consent and for no legal reason. The credit reporting agent on the phone even agreed with me. This was a recorded call and can be verified once the company provides the recording. That he was unaware as to why his company will pull my credit because he was told they pulled my credit to obtain contact information. This is untrue because just a couple weeks ago I updated and verified my contact information with this company. Lastly they pulled my credit to obtain the same contact information that I gave them a couple weeks ago and did not even use this information. The company did not call me or contact me once they pulled credit. So why did they pull credit. What legal reason do you have to pull credit. Now I am terrified that you are pulling credit to obtain information that was given to you because you lost my information which now I am scared that my private information is out there for all to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed derogatory in writing to XXXX  who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Midland credit Management in excess of 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions 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:
I have filed a dispute several times with Experian. I have explain that the information being reported is inaccurate. Experian has yet to provide written proof that the investigation has been verified by the company. The company has yet to provide verification or documentation that proves any of the negative info being report is accurate. I was a victim of identity theft a while back. I have a bankruptcy that isnt mines, along with a collection that doesnt belong to me. Also there are negative account along with inquiries that isnt mines that Experian has yet to prove to burden proof that it belongs to me. I have sent many disputes and many of the disputes they are unwilling to let me dispute again. I should not be held liable for actions of other people who steals peoples identity. Please follow up with Experian to ensure that are following the guidelines set forth to protect the information being reported on consumers 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 2021-11-27
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had a loan serviced by XXXX which I had complained earlier about taking almost a year to clear the forbearance issue. They placed the payments at the end of the mortgage after I cleared forbearance then even gave me a higher interest rate. At the end of the process they sold my mortgage to Midland Mortgage after I complied with all of their requests. Now Midland Mortgage who JUST took over the loan XX/XX/XXXX is telling me that I owe them a {$1000.00} payment for XXXX of 2021 when the loan was with XXXX and I complied 100 % with Dovenmuhle during the process and XXXX told me that ALL I had to do was pick up the new payment this month with Midland. I feel that Im a victim of both Midland Mortgage and XXXX who both did a very poor and unprofessional job. I should not owe Midland Mortgage for a forbearance that was approved and negotiated with XXXX. Midland just took over the mortgage XX/XX/XXXX so how am I responsible for XX/XX/XXXX when XXXX approved this already?

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 2020-11-17
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an attempt to collect a debt regarding a vehicle accident. I did not own the vehicle in question nor was I the driver of the vehicle. Afni Collections stated they were contracted with XXXX XXXX to pursue the claim. Upon contacting XXXX XXXX, they have no contract with AFNI Collections nor do they show any debt relating to my name, address, or Drivers License number. I contacted my personal vehicle insurance company of 12 years and was told that we do not have any claim with XXXXXX/XX/XXXX, now or in the past. XXXX XXXX suggested filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: GOLDMAN SACHS BANK USA
State: GA
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 noticed on my XX/XX/2020 statement that the XXXX Balance is  incorrect. The " total balance '' on page 1 of my statement, does not reflect a {$68.00} credit received from " XXXX XXXX '' on XX/XX/2020. On page 2 of my statement, the " Total charges, credits and returns '' is correct, {$600.00}, and should have been my total balance due ; $ XXXX {$68.00} = {$600.00}. 

On XX/XX/2020 I tried to get this resolved by chat message and then a phone call, but was unsuccessful. I was told someone would look into the charges and contact me. I received a letter this week stating my dispute has been resolved and that I was mistaken. I do not believe I am mistaken. 

Today I checked my XX/XX/2020 statement and noticed the same issue -- I was credited {$130.00} on XX/XX/2020 from XXXX XXXX. Page 2 of my statement " Total charges, credits and returns '' indicate a balance due of {$220.00}, but page 1 shows a balance due of {$350.00} which ignores the credit of {$130.00}. I unfortunately did not catch the XX/XX/2020 statement error until now and paid {$350.00} last month. 

I would like to receive credits due me of {$68.00} and {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Loancare has stated that My First Trial Payment was for XX/XX/2020. All three payments were made. 

Loancare now states My First Trial Payment for my FHA loan begins on XX/XX/2020, a date I was previously told to not make a payment.

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 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Upon requesting and viewing my credit file with Transunion ( File # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Transunion ). Here are the errors that I need Transunion to correct. 

1. XXXX XXXX XX/XX/XXXX- This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XX/XX/2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 

2. XXXX XX/XX/XXXX- This account is paid in full. 

3. XXXX XXXX XX/XX/XXXX- This is not my account. I have never done business with the company listed. 

4. XXXX XXXXl XX/XX/XXXX- This is not my account. I have never done business with the company 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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX ] ' XXXX XXXX Account Number : 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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-01-25
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX my bill for account MACY'S/DSNB ( opened XXXX XXXX, XXXX ) did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

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 2020-11-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have sent the request 5 times requesting that the fraud alert statement and freeze on my account be removed along with my ID Change of address card a bill in my name my bank statement and this last time a photo of myself and they still have not removed the fraud alert from my report! I've tried calling as well and was told that i need to the same thing i have already done to have it removed!!! This is ridiculous that I've jumped through every hoop and they think that they dont have to do what i request for my credit report! Its my report if i dont want the statement there then it needs to be 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