BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-08
Company: Ideal Collection Services, Inc.
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:
In response to your response from previous report number : XXXX about IDEAL COLLECTION SERVICES, INC This is what you wrote : I am confused as at the beginning of your complaint, you acknowledge receiving our response dated XX/XX/XXXX and at the end of your complaint you state instead of us responding we waited 2 years to report the account to the credit bureaus. In my XX/XX/XXXX response I offered a payment plan to avoid the account from being forwarded to the national credit bureaus and sent the validation of the claim. Attached, please find a copy of my response along with the documents that were attached. Also, please find attached, a copy of the notice to vacate form you signed. In the last paragraph of that form and the last sentence states " I understand that management will complete a move out inspection checklist after my departure and any claim on my security deposit will be itemized. '' I our office has already validated the debt and the account is past due and due in full. 

I respond to you the following : I moved out in XX/XX/XXXX, two years later ( XXXX ) you report the account. The attachments you included verifying the debt, only the notice to vacate is signed by me. The other documents you sent verifying debt, showing all those extra fees they're charging, Is what I previously had asked you to send me the Invoices XXXX XXXX XXXX has for all repairs, because I repaired everything before moving out and hired a carpet cleaner company. This is why I ask for all that so I can take the case to court with my evidence of repairs. That's all you need to send me and I'll proceed from there at court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 currently have 54 inquiries reporting on my credit report on TransUnion that are without a firm line of credit. I have circle all 54 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 54 inquiries should not be reporting on 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
Consumer complaint received 2019-10-22
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:
Multiple accounts that are incorrect are reporting on my credit reports 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 explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: AZ
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 currently have 36 inquiries reporting on my credit report on Equifax that are without a firm line of credit. I have circle all 36 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 36 inquiries should not be reporting on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report in XX/XX/XXXX. I saw a from XXXX  XXXX saying it was owed to a company name speedy cash in the amount of {$590.00} from XX/XX/XXXX. I sent the company a letter XX/XX/XXXX certified mail asking them to send me the contract I signed and to validate the debt. They sent me a letter stating it is valid and a contract with my name printed on the form with an address that does not belong to me. This debt has not been validated and they refuse to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: MONEY SOURCE, INC., THE
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
have been trying to resolve an issue with insurance claim funds, due to me, with this company for 7 months via phone calls and written correspondence since XX/XX/XXXX, without even the courtesy of a reply. Please see details in the letter below. 

XX/XX/XXXX Attn : Managers in both Bankruptcy and Loss Drafts Dept.

Re : Loan ending XXXX Claim : XXXX and XXXX The Money Source XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX To Whom It May Concern : I am hoping someone there can help me as I have already spent over 5 hours on the phone with both the bankruptcy and loss drafts dept, several times, and neither says they can help me. Then every time they try to conference in the other department to try to work this out together, they hang up on me and dont call back, so I am beyond frustrated and feeling taken advantage of as we are going on 3 months  without any resolution or headway being made. 

Between XX/XX/XXXX and XX/XX/XXXX I missed 3 mortgage payments as I just assumed my unused funds from the two claims above would be used to cover those costs as they were with prior claims after the work  was completed. However, in XXXX I was notified that you had not approved that this time and I was going to have to go to court on XX/XX/XXXX if my loan was not brought current through XXXX. So, on XX/XX/XXXX, I borrowed those funds from my retirement account to avoid going to court. I paid the full {$7000.00}, listed on your motion, out of my pocket to be current through XX/XX/XXXX and then have made all subsequent payments on time. 
But then in May, bankruptcy finally approved using the insurance funds to get my account current. The problem is though, that my account was already current so, the insurance funds should have been sent back to  me. There should have been {$2200.00} remaining on claim XXXX and {$5000.00} remaining from claim XXXX for a total of {$7200.00} coming back to me. This has not happened, nor have I received 3.4 months of credit towards future payments ( XXXX owed to me / XXXX per month mortgage ). I either need to be refunded those insurance funds ( my preference ) or, at least be able to recoup the extra money I laid out, by getting the full credit for XXXX, XXXX XXXX and part of XXXX XXXX mortgage payments as everything else is current through XX/XX/XXXX. My request would be to get the refund back via check to be able to put back into my retirement account. 
Since we are now on the third month of trying resolve this issue, I am hoping you can provide me an answer in writing ( Mail or Email ) no later than XX/XX/XXXX. Thank you in advance for your attention and cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
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: Personal information incorrect

Complaint:
I have sent several letters to Equifax, XXXX, and XXXX  to clean up the inaccurate names and addresses on my credit reports more than twice and they still not have been deleted. I also requested that a two inquiries that I did not make be removed as well and they were not. I am escalating to CFPB in order to rectify the situation and have the inaccurate information from my credit reports deleted. 

Inaccurate Name ( s ) : XXXX XXXX Equifax Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX   Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, GA XXXX XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018 XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
I filed bankruptcy. I reaffirmed my car loan with Chase Auto Finance never missing a payment. I have documented proof, a payment history summary. I have asked Chase Auto Finance to submit the correct principle balance to all Credit reporting agencys on several different occasions through there recorded customer service. I have disputed this matter with the Credit reporting agencys, to no avail. My principal balance as of today is {$12000.00}. Chase Auto finance is reporting as of XX/XX/2018 my balance is {$17000.00}. This discrepancy can only be some form of punishment for my Bankruptcy. Chase Auto Finance was the only reafirrmed loan on my Bankruptcy Petition. I am simply asking that the correct dollar amount of my principle balance be reported to all Credit Reporting agencys for future employers and lending agencys to access my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collections Svcs {$1700.00} supposedly opened in XX/XX/XXXX for a XXXX XXXX in which i have never had XXXX XXXX i have had XXXX XXXX   since XXXX and have never applied for other cable service. I have called XXXX XXXX and they said they couldnt find my name in system so i asked why was my information sent to collections and they said they would look into it an call me back that was back in XXXX it is now XXXX. Also i called collections Amsher left about four voicemails due to no answer and no call back as of yet. I need this item removed from my account ASAP .XXXX just went by what Amsher Collections told them which i dont think its right. i need to see who used my information or signed supposedly to get XXXX XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good evening, Please delete the XXXX account from my credit report. All the information displayed on all 3 reports is different. The company address does not match on each credit. In some cases the address does not match the company. The comments are different and the dates listed are different. As well the amounts listed are different. How does the information come back as verified if all the information is different on all reports. What is being verified? The information has been disputed several times.

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 2018-08-26
Company: Innovis
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:
I disputed this alleged student loan account. I've previously requested to see a copy of original documents with my signature for this loan. I didn't receive the documents in 30 days any of the three credit bureaus. As I further investigated all three credit reports. I noticed the creditor reported different account balances for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: CITIBANK, N.A.
State: AZ
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:
Regrading this account XXXX XXXX XXXX XXXX. I believe that I may had been 28 days inXX/XX/2018 but not 30 days late. In regards to XXXX   XXXX XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to BESTBUY/CBNA XXXX. I may have been 29 days late in XX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on 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
Consumer complaint received 2018-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital One reissued a close out check to myself on or around XX/XX/XXXX, sent via XXXX while I was away in XXXX XXXX, this check is a replacement for a prior check which a stop payment was placed on in error. The replacement check was intercepted by a third party, my name signed to it, cashed by a XXXX XXXX whom I am not related and does not live at my address, contrary to what Capital One rep, XXXX XXXX, tries to infer. The funds were not received by myself, totaling XXXX. Capital One has not provided any proof funds were received by myself, aside from the forged check. My signature is on file and they refuse to check it with signature on check, also refuse to reissue check. I've requested their physical mailing address for filing notice of small claim suit and they continue to provide a third party website address to visit for locating such address. Since the stop payment was premature and in their error, loss of funds would not happen as it did. Had they not stopped payment and left well enough alone then interception of check and thus cashing it by third party would not have occurred. Since they are unwilling to resolve this, a small claim suit needs to be filed, a physical mailing address is required to send notice of suit to, which they will not provide. Apparently, XXXX XXXX will not bother to look it up on her own, refers me to a third party website which I refuse to look up myself. At this time, I request proof from Capital One showing I cashed check, which I did not, as well as any other proof funds were received by myself, which they were not. Failing to do so, Capital One needs to look up information such as address to mail notice of small claim suit to, whichever party handles this on behalf of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX has created a bureaucratic customer service black hole that traps borrowers in a cycle of frustration. As if the near permanent status of indentured servitude to student loans were not oppressive enough. Their first level of representatives have no access to information or power to overcome borrower 's challenges. In addition, their phone system is difficult to hear and leads to many dropped calls. 

I received a letter from XXXX XXXX XXXX on the morning of XX/XX/XXXX that my student loan payment was returned to my checking account. XXXX XXXX had no record of the transaction and confirmed there was sufficient funds. This is the second time in 4 months this occurred. 

This happened previously on XX/XX/XXXX. At that time I made the payment and the direct debit continued successfully for XX/XX/XXXX and XX/XX/XXXX. Now the problem resurfaces in XX/XX/XXXX. 

When I called and voiced my frustration I was hung up on by the second level customer service representative # XXXX. In total, the first 3 representatives I spoke to had no help and continued to blame the wrong cause of this issue, insufficient funds, or push the envelope to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
XX/XX/2018 I closed my checking account with Bank of America - He had me get 2 cashier checks for {$4000.00} he told me to separate the top part from the bottom & put them in different places in case the checks were stolen. He said if they were stolen that I could get them cashed with the check stubs. 

That night I left them in my pant pockets when I went to bed. In the morning they were missing - the only objects stolen in my apartment. 

Now they won't put a stop payment on the checks or honor the 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 2018-07-02
Company: EQUIFAX, 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 information incorrect

Complaint:
I INFORMED EQUIFAX ALMOST 3 MONTHS AGO THAT SOMEONE HAD BEEN USING MY SSN NUMBER AND I HAVE HAD SOME HARD INQUIRIES THAT I DID NOT AUTHORIZED. IT HAS BEEN BOTH EMOTIONALLY AND MENTALLY DRAINING DEALING WITH EQUIFAX AND TRYING TO GET JUST A DISPUTE STARTED WITHOUT THEM GIVING ME THIS PRERECORDED DISCLOSURE ABOUT " HARD INQUIRIES BEING FACTUAL OR I NEED TO CALL THE CREDITOR '' I HAVE BEEN BACK AND FORTH WITH EQUIFAX AND THE CREDITOR FOR MONTHS. ONE IS TELLING ME TO CALL THE OTHER. ITS RIDICULOUS. YOUR GUYS ARE REPORTING INACCURATE INFORMATION WITHOUT BEING ABLE TO VERIFY IT WHICH IS CAUSING MY CREDIT SCORE TO GO DOWN. I KNOW THAT THIS IS AGAINST THE LAW AND I WILL FILE A COMPLAINT UNTIL THIS MATTER IS RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I was unable to work due illness which occurred while on XXXX XXXX. I was unable to work and I used my savings to make my mortgage payments. My savings was all used up by XX/XX/XXXX. 

I secured XXXX XXXX XXXX XXXX to handle a bankruptcy on my behalf XX/XX/XXXX. I contacted Loan Depot several times between XX/XX/XXXX and XX/XX/XXXX informing them Im in backruptcy. I was transferred several times from one department to another. Each stating the process was handled by another department. Each call went this way. One customer service rep told me notes were being annotated concerning my backruptcy action in the notes connect with my account. In the notes I gave them the name and number of of XXXX XXXX XXXX XXXX as my counsel. The rep stated the sale action would be stopped immediately. The sale did not stop and my home was sold. My home should not have been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company continues to report an account on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any account information that they could send me proving that the account belonged to me, and not just bearing my name, and address as I am a victim of identity theft. They continue to report this collection account to the credit bureaus. I have sent a multitude of request to accurately validate this account and send me verification of it, yet they choose not to. THIS ACCOUNT DOES NOT BELONG TO ME, YET THEY ARE CONTINUOUSLY REPORTING IT ON MY CREDIT REPORT!! THIS ACCOUNT IS NOT MINE!!!!! I have since sent them a cease and desist letter as they refuse to comply with my requests. I am in the process of seeking legal counsel to being a lawsuit in regards to this account, and the blatant disregard of my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the XXXX are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.

Company response to consumer: Closed with explanation