BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
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: Account status incorrect

Complaint:
I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed 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 2021-02-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I disputed several inaccurate items on my credit report and the bureaus haven't answered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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: Investigation took more than 30 days

Complaint:
I disputed several inaccurate items on my credit report and the bureaus haven't answered 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 2018-03-28
Company: Collection Bureau of America Ltd.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, I would like to file a complaint against XXXX XXXX  and Collection Bureau of America.

COLLECTION BUREAU OF AME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( XXXX  ) XXXX On XX/XX/XXXX, I checked my credit report and see that my credit score has gone down and there is a collection on file from Collection Bureau of America. I saw that the original creditor was XXXX XXXX XXXX XXXX XXXX. The account was opened on XX/XX/XXXX ( 5 yrs, 3 mos ). The balance is {$380.00}.

I called XXXX XXXX at XXXX on XX/XX/XXXX @ XXXX to find out what happened. I was told my account was in collection and I need to call XXXX. I called XXXX on XX/XX/XXXX @ XXXX. I inquired for the status of account. The rep informed me the account has been in collection. I told the rep I know because I know it on my credit report. I asked the rep for more information on my account. She stated the last payment I made was on XX/XX/XXXX for the amount of {$100.00}. I informed the rep I was not aware of any outstanding balance. We did not use the XXXX XXXX that long to owe {$380.00}. I asked the rep for a copy of the bill. I asked the rep to email it to my personal email address. I spelled my name out letter by letter. The rep said I should receive it shortly.

Today is XX/XX/XXXX. I have not receive a single email regarding my account or balance. To date, I have not received any written notice of my balance from XXXX XXXX or from COLLECTION BUREAU OF AMERICA. I have not been given the option to dispute my account. I was not aware of my account going in collection until I checked my credit report!

We stopped using XXXX XXXX years ago. It is unfair to find out my account is in collection through my credit report. XXXX XXXXXXXX did not notify me of the balance nor the warning my account will go to collection.

COLLECTION BUREAU OF AMERICA did not provide any written notices via mail of my account or my dispute rights. It is unfair to put my account in collection. It is unfair for me to find out through my credit report. It is unfair for me to reach out to the company for the bill and still not receive it.

This practice is unprofessional and unethical. I asked that my account be removed from the my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Requested credit report from all three credit agency 's already have filled out form requesting credit freeze : and credit report : When it comes to filling out form on line they ask for E-mail address then they want you to become a member which state u can receive a credit report @ no charge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: EQUIFAX, INC.
State: PA
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:
Someone stole my identity and use my name and social security with out my consent. Got numerous credit cards in my name and mess my credit up and scores. I would like to get this fix its not fair to me someone using my name identity theft and I m held responsible for it as well.its a lot of credit cards from XXXX XXXX its like 7 cards and a student loan thats not suppose to be on there. I want it off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Resurgent Capital Services L.P.
State: MD
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/2020, I called LVNV FUNDING LLC Collections to discuss the account for the amount of {$710.00}. I asked if I can do a settlement of {$400.00}. I was told yes and when I could make the payment. I informed the representative I could pay it now. So I proceeded to make the payment of {$400.00}. 

2 weeks later I received a call from LVNV FUNDING LLC stating I had a debt and wanted to know how I wanted to pay the debt. I informed him I already paid a settlement amount for the amount of {$400.00}. I was informed by him, that I should not have had an option to settle the account. Informed the representative that I held up my end, and, I don't feel that the numerous calls are not fair or appropriate. I was threaten if I don't pay the remaining {$310.00} they will report it on to my credit report. Which they did. 

Since then I keep disputing this matter with LVNV FUNDING LLC on my credit report. I feel I have been threaten, mistreated and reported unfairly when I called them, to settle the account and do the right thing. 

My score has suffered a great deal because of LVNV FUNDING LLC company dishonest, tactics of being unfair, rude and disrespectful staff who kept calling every 30 minutes until I block them from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed XXXX XXXX XXXX, XXXX account on all XXXX of my credit reports in XX/XX/XXXX. I received a letter dated XX/XX/XXXX, which did not validate the alleged debt. ( Letter enclosed ) I sent  another request for validation by certified mail on XX/XX/XXXX. Prior to XX/XX/XXXX, I did not receive a dunning letter as required by law. I was not given notice before/after of negative information being reported to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: DCI Credit Services, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  reported to my lender that I have an uncollected debt on my credit report placed there by DCI Credit Services in XXXX North Dakota, regarding a XXXX dollar debt 3 years ago originating at XXXX XXXX. 

I filed a dispute with XXXX, having no recollection of this debt or any collection attempts. 

DCI asserted to XXXX that the reported debt was valid and my dispute was closed. 

Today I spoke to XXXX XXXX clinic. They said I did indeed pay the bill and they recalled it from DCI, however DCI continues to report it as unpaid. 

I am filing this complaint now to establish that DCI is a negligent and irresponsible company who should not be allowed to meddle with people 's credit report. 

Attached is a screenshot of my credit report showing DCI continually  reporting a debt that was paid years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as XXXX XXXX Data Breach.The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value and several negative items. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-07-04
Company: BARCLAYS BANK DELAWARE
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: Overcharged for something you did purchase with the card

Complaint:
I have a credit card with Barclays US. On XX/XX/2020, I purchased a flight with XXXX XXXX XXXX  XXXX to XXXX. I purchased two seats ( my wife and I ) for {$290.00} each ( a total of {$580.00} ). Then, because of COVID-19, the flight was cancelled a couple of weeks later. I paid the charge on my statement of XX/XX/2020 because the charge was not removed when I disputed the charge. Then, on XX/XX/2020, XXXX XXXX reimbursed the total of the charge ( {$580.00} ). This seemed to solve the issue. Then, on XX/XX/2020, Barclay US charged me again for the flights for a total of {$580.00}. I reached out to Barclay US to have this charge removed, but the company refused to do so even though I have already paid for this charge once. I would like this charge to be removed given that this is illegal behavior by Barclay US.

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 2020-02-16
Company: Kashable LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 4 close account and still show on my XXXX  Still open, I call all this creditor and they confirm me this account is close Dispute it on XXXX  and they remove and add this account at the same moment, try and tired to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Issue : Santander Bank thinks I owe them 2 payments ( which were paid through bankruptcy discharge ) Upon selling my loan to XXXX, payments were fraudulently applied to make loan current and now XXXX says I am one payment behind. Proof can be found by ordering a payment history on the mortgage servicers end. Negative reporting must stop immediately and my account needs to be corrected. I am not missing any payments. Late fees need to be reversed and correction of payments made. Thank you. 

Facts of the issue : *Bankruptcy filed XX/XX/XXXX case number XXXX *XXXX XXXX   claimed XXXX through the bankruptcy and was paid XXXX by XXXX XXXX, trustee . No late fees incur for 2 years because they know its related to bankruptcy. 

*Bankruptcy discharged on XX/XX/XXXX *Mortgage Statement dated XX/XX/XXXX states I owe Santander Bank XXXX . I order payment history, and write letter after receiving it which showed me as current and never missing a payment. I demanded a review, correction and removal of negative reporting. Written request went ignored. 

*Santander applies a payment to make loan current XX/XX/XXXX in order to sell the loan to XXXX . I am now incurring 2 months of late charges and am being reported as late when I am not. 

They have ignored my 2 prior requests vie mail to resolve this and have also given me the runaround via telephone for 2 years.

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 2019-03-15
Company: ACCOUNTS ADVOCATE AGENCY
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Fuel oil delivery XX/XX/XXXX, paid Furnace servicing XX/XX/XXXX, paid ( Which included, as indicated on their website at the time, inspection of the oil tank and replacement of oil filter and any parts necessary ) Refill oil tank XX/XX/XXXX, paid Emergency visit to repair XXXX XXXX XXXX  error XX/XX/XXXX XXXX XXXX XXXX  negligent services allowed a fuel oil leak to occur on my property not 2 weeks after inspecting it. They have contacted my family in attempt to collect funds from me. They mishandled my customer account information, placing it in the subject line of an email and sent it to my parents. 

Today, XX/XX/XXXX, at XXXX, while at work, I received a call from a person claiming to be from " XXXX XXXX ''. The name given was XXXX XXXX. I now see this name ( XXXX XXXX ) on a document sent to me from Accounts Advocate Agency, the collections agency attempting to collect from me. 

This man yelled over me that I let him speak. After he was finished, I attempted to respond. As I spoke, he continued to yell, and claimed that I had no manners. I was attempting to inform him that his information was incorrect, but his emotional and angry demeanor leads me to believe he was simply misrepresenting his claim and trying to scare me. I was then put on hold for some time. I hung up and called back because I wanted his name and the name of the supposed law firm. ( I was shaken by the earlier call, and I could not recall the name of the law firm, and I can not remember if this man gave his name previously. ) He gave me an amount he would settle for. When I asked if his reason for contacting me was to collect a debt, he would not answer, claiming that I was threatening him, and he hung up on me. I am entitled to this information by law. He would not provide it. 

Accounts Advocate Agency misrepresented themselves to me as a Law Firm. They misrepresented the services for which they were attempting to collect. The representative, XXXX XXXX, was abusive and insulting. I had also previously sent them a request to provide validation for the debt that they were trying to collect, and cease all other communications with me. I used the letter template from the CFPB website. A bill was provided with charges for " Balance Forward ''. No details provided, no signed agreement provided. 

I feel that this company is guilty of numerous violations ie, Imporsonating an Attorney, Using Abusive Language, Contacted me after I requested no contact. 

Further documentation will be provided to CFPB upon request. I have most of the paperwork at home, and I am currently at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
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: Old information reappears or never goes away

Complaint:
I have a new debt collection from called XXXX XXXX XXXX that bought my medical bill of {$210.00} by XXXX XXXX XXXX 6 years ago that has hit my credit like it is a new debt. Furthermore this debt was once on my credit for a very long time that has reappeared on my credit before. I recalled paying this debt years ago but they have no record of me paying this. Still it is a very old 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 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello, In XX/XX/XXXX I went to purchase a car. There I found out I had someone, a company trying to collect {$1100.00} for services I did not receive at the XXXX XXXX XXXX XXXX. 
- On my Trans Union credit report it said XXXX XXXX with the original creditor of XXXX XXXX XXXX XXXX ( XXXX ) is Billing me {$1100.00}. 
- I First filed a dispute with Trans Union on the beginning of XX/XX/XXXX. 
- I received a reply from Trans Union on XX/XX/XXXX with results VERIFIED AS ACCURATE AND UPDATED.?? 
- I then started doing some investigating. 
- I googled XXXX XXXX XXXX and called first number ( XXXX ) XXXX on webpage it was XXXX in XXXX XXXX, Fl. 
- I called the number ( XXXX ) XXXX on bottom of page for the President/CEO. It led me to a answering machine which I got another Number ( XXXX ) XXXX for ( Provider Services ). 
- I called this number and talked to XXXX who was very helpful. 
- XXXX researched my info SS # Birthday and name for the bill. She was able to identify the bill but she said the B-day did not match. 
- XXXX gave me the account number of bill ( XXXX ) and date of service XX/XX/XXXX, Place of Service ( XXXX XXXX XXXX XXXX ) and who the debt was sold to ( XXXX XXXX XXXX ) who is affiliated with XXXX XXXX. 
- I then contacted XXXX XXXX who is trying to collect from me. I told them I have lived and am serving in the XXXX XXXX XXXX in XXXX Ohio since XX/XX/XXXX and have been no where near the florida keys. 
- XXXX XXXX then offered to clear my debt for {$600.00}. I declined the offer. 
- I then Called Trans Union and filed another dispute with information I found out from XXXX at Provider Services. 
- I then called the XXXX XXXX XXXX XXXX ( XXXX ) XXXX and talked to the billing departement. 
- A couple of different times talking with XXXX  I was transferred to the Physicians Billing Department named ( XXXX ) ( XXXX ) XXXX - Talking with a couple of different Reps at XXXX and them searching for the bill at question they found / concluded they have no record of the bill due to the only started billing for XXXX XX/XX/XXXX. The Month after the date of service. 
- Both reps and a Supervisor tried to find the company prior to them for me to contact with no luck. They could not find who billed prior to them for XXXX. XXXX has no name as well.

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Requested credit report from all three credit agency 's already have filled out form requesting credit freeze : and credit report : When it comes to filling out form on line they ask for E-mail address then they want you to become a member which state u can receive a credit report @ no charge

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 2019-10-30
Company: Experian Information Solutions Inc.
State: LA
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:
This XXXX account is NOT mine!! I have more documentation including the info proving that I was a victim of the XXXX data breach.

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 2018-02-10
Company: Rocket Mortgage, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


XXXX Quicken Loans/XXXX XXXX The only banks authorized them to do what they needed were XXXX  XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, I reside in a area that was directly affected by Hurricane Harvey and was declared to be in a Presidentially Declared Disater Area. It is my understanding that during the Moratorium initiated by an Executive Order from the President from on/or about XX/XX/XXXX to XX/XX/XXXX ; loan servicers ( CMS ) were not supposed to be reporting mortgagors as being late on their loans during that time period ... see below : XXXX " The servicer must suspend the reporting of loan delinquencies to the credit bureaus ... ... ..for borrowers that are impacted by the disaster '' XXXX As of XX/XX/XXXX I checked my credit report with both XXXX  and XXXX  and Carrington has submitted/reported deliquincies to them every month since XX/XX/XXXX until present. As I understand it, this should HAVE NOT occurred. 

I would PLEASE like this corrected as it is very damaging to my credit and causes derogatory information ON my report that is very harmful and possibly causing undue financial hardship as well. 

At the very least, if CMS was going to report derogatory information incorrectly, in spite of legal mandate, it should have been reported/coded it with a notation indicating I was in a FEMA Declared Disaster Area, which was not done. 

All I am asking is that CMS does what was supposed to be done under the law and FCRA be done and I will be satisfied. 

Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation