BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-25
Company: Resurgent Capital Services L.P.
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 information incorrect

Complaint:
I had a credit line with XXXX XXXX XXXX ( https : XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to LVNV Funding LLC - Resurgent Capital Services ( reported XX/XX/XXXX ). XXXX XXXX has reached a settlement a agreement with LVNV and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted LVNV on XX/XX/XXXX and they asked for XXXX XXXX to contact XXXX XXXX XXXX at ( XXXX ). I contacted XXXX XXXX same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of LVNV. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America checking account. I mailed a check number XXXX to pay my estimated income tax. It was cashed on XX/XX/XXXX, and my bank statement reported it as " XXXX XXXX XXXX XXXX XXXX PAYMENT CHECK # XXXXXXXX XXXX : XXXX XXXX  ... '' in the amount of {$1200.00}. It was debited to my checking account. 

On XX/XX/XXXX, I received a letter from the IRS saying that I owed them {$1000.00}. ( I was expecting a refund of {$150.00}, and XXXX XXXX XXXX XXXXXXXX {$1000.00}. ) It showed three estimated tax payments but not the one on XX/XX/XXXX. First I contacted the IRS to see if they had mistaken that check for another tax year or another tax return. After researching, they said no, they never received that check. 

On XX/XX/XXXX I called the Bank of America. They asked if I had a check image. No, when I clicked on my old bank statement a message said, " No image is available for this check because it was processed by the merchant as an electronic transaction. '' They connected me to the fraud department at XXXX, where they told me that they would verify with the Treasury Department and in any case I would be credited the {$1200.00} within 10 business days. They gave me a dispute number XXXX. 

On XX/XX/XXXX I called to ask the status of my complaint, and I was told that they were researching with the IRS, escalating to the back office, and to expect a resolution by XX/XX/XXXX. 

On XX/XX/XXXX I received a call from the XXXX dispute office. I was told that the fraud department was not the right department to pursue this claim, and that they were closing the fraud claim and opening a new XXXX dispute claim. I could still use the same dispute number. A representative named XXXX said she would take full responsibility for this case. I never heard from XXXX again. 

On XX/XX/XXXX I called for an update. I was told that the dispute was now a " non-Reg E '' dispute, which they declined to explain to me, and that the clock for resolution had restarted on XX/XX/XXXX and was due in 45 days. Distrubingly, they also said that they would not reimburse me until the Treasury Department completed their investigation. I asked, what if the Treasury Department never completes their investigation? They declined to answer. I pointed out that, since they did not furnish me with a check image, they were responsible for reimbursement. 

Skipping over other calls, on XX/XX/XXXX at XXXX XXXX  I called the XXXX dispute office at XXXX, where an automated message said that an alert would be sent to my phone, linking to a status report on my dispute. Forty-five minutes later, it has not arrived. 
Incidentally, I am a so-called " 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 monetary relief
Consumer complaint received 2021-12-16
Company: Scott Fetzer Financial Group Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a vacuum cleaner in XXXX that was financed by United Consumer Financial Services. I made more than 24 monthly payments via automatic withdrawal. I subsequently lost my job and was unable to continue my payments. On XX/XX/XXXX, I received a letter from the creditor that stated " If you can make the next four payments on time, we will bring your account current. This will stop the accrual of late charges on your account, although it may increase the total amount of interest paid on the loan as well as the length of your loan. '' Because I am again employed, I immediately enrolled in automatic payment withdrawals, effective XX/XX/XXXX. I have made 5 successful timely payments, and the creditor has failed to bring my account current as promised! They have intentionally inflicted additional financial harm to my credit profile. This derogatory alert on my credit profile is preventing me from realizing financial goals that I have set. 

I pray for relief from this unscrupulous creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: SC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-03-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of XXXX identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX BANK XXXXequifax XX/XX/XXXX XXXX XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX/equifax XX/XX/XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXXequifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXXXXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXXXXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX -XXXXn/equifax XX/XX/XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXXXXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXequifax XX/XX/XXXX XXXX XXXX XXXXequifax XX/XX/XXXX XXXX XXXXequifax XX/XX/XXXX XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXX XXXX  -XXXX/equifax XX/XX/XXXX XXXX -XXXXequifax XX/XX/XXXXXXXX XXXX XXXX XXXXequifax XX/XX/XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXXXXXX XXXX/equifax XX/XX/XXXX XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXXequifax XX/XX/XXXXXXXX XXXX XXXXXXXX -XXXX/equifax XX/XX/XXXX XXXX XXXX -XXXX/equifax XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been waiting for over 90 days. I am filing this complaint because SEQUIUM ASSET SOLUTION for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENF AG/N XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-10
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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2022-01-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been waiting for over 90 days. I am filing this complaint because XXXX for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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: Was not notified of investigation status or results

Complaint:
I have been waiting for over 90 days. I am filing this complaint because XXXX for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i

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 2023-10-03
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. 
I negotiated a purchase price of {$30000.00} + tax and license prior to the sale. I was pre approved and I only intended to pay for a service in addition to sales price. I put {$7000.00} as downpayment. They packed the price of the car with other fees to maximize the reserves in the approval. 
This vehicle was totaled in an accident on XX/XX/XXXX and was taken to XXXX XXXX reported information to protect consumers were misrepresented by them. They had no regard for timely reporting to state agencies per state laws. They rebuilt the vehicle and washed the title.I was sent a vehicle title from another state that had been expired since XXXX. No fees or registration had been paid either.I live out of state. At the point of sale I asked about the accident, title and repair estimate ( cost ) .I was told the information was locked up in the business office.It was Saturday morning and no business office personel was there. I took delivery and drove the vehicle home. 
Since then I have been ignored, bullied and publicly ridiculed by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is located in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Global Credit & Collection Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Global credit and collections have contacted me and my girlfriend giving out my personal information without my consent I had my lawyer look into it and their license has been revoked as of XXXX of XXXX, this is unacceptable They need to be fined immediately. XXXX believe my lawyer is getting involved

Company response to consumer: Untimely response
Consumer complaint received 2023-08-10
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: IA
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:
LATE PAYMENTS SHOWING XXXX DAYS LATE ON MY CREDIT REPORTS FROM XXXX DURING THE PANDEMIC. I CALLED XXXX XXXX MORTGAGE AND MADE THEM AWARE OF FINANCIAL HARDSHIP DURING THIS TIME DUE TO LOSS OF EMPLOYMENT. I WAS TOLD THAT DUE TO CARES ACT THAT THE PAYMENTS WOULD NOT BE SHOWN AS LATE. THESE ACCOUNTS HAVE ALL BEEN PAID AND THE MORTGAGE WAS SOLD/TRANSFERRED TO XXXX MORTGAGE SERVICES XX/XX/2021 AND HAS SINCE BEEN SOLD AND THE ACCOUNT CLOSED. PAID IN FULL. I HAVE DISPUTED WITH THE CREDIT BUREAUS AND NO CHANGE HAS BEEN MADE AND IS STOPPING ME FROM OBTAINING A NEW MORTGAGE LOAN. PLEASE CORRECT THE INNACURATE INFORMATION TO THE XXXX CREDIT BUREAUS BY REMOVING THE LATE PAYMENTS AND UPDATING TO PAID ON TIME.

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 2021-12-16
Company: SIERRA PACIFIC MORTGAGE
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is an issue with Sierra Pacific Mortgage Company. 
I was contacted by my county that my XXXX real estate taxes were not paid and now in collections. I contacted XXXX XXXX in XXXX to question this situation as they were responsible to pay them out of my escrow. I was told it could take up to 2 weeks for the investigation and I would be contacted. After the 2 weeks was up I contacted them again and at this point I was told they concluded they were at fault. They told me they were going to overnight the check and there was nothing I had to do. That proved to be completely false information. I contacted my county and collection agency to see if it was rectified which to my surprise it wasn't. I contacted them again and had to explain everything over again, once again told they were handling this ASAP. Well they didn't... I contacted them numerous times since, asked to speak directly to supervisors which once again required the entire story and they would " look into it ''. All asking me to submit paperwork again that I had already submitted. I asked them numerous times to give me something in writing stating they had sent payment out all of which was denied with explanations that was something do not do. I spoke to a supervisor named XXXX who promised me a return call which also did not happen. When I called back again and asked to speak to her I was told there was no way to talk to her but they would put me through to a supervisor .... This situation with me contacting them has happened close to a dozen times. On XX/XX/XXXX I was told once again they were going to overnight the check. Only to call XX/XX/XXXX and be told by a different employee they DO NOT overnight checks ever and best case would be handled by XX/XX/XXXX but if it was going to impact my closing I could contact a lawyer. I have been lied to over and over and over again. This is impacting my credit, impacting me refinancing which will put me right back in this circle of frustration with this untrustworthy, unreliable and fraudulent mortgage company. I had a closing to refinance this property set for XX/XX/XXXX which had to be delayed until today XX/XX/XXXX to give them time to fix this issue which ended up with me being required to pay their fees that were in collection .... Attached is a letter from them dated XX/XX/XXXX saying they would handle this. This has been ongoing since XXXX and as of today at my closing XX/XX/XXXX they still have not paid their fees incurred by their irresponsible actions. I have filed a complaint with the XXXX  which is currently open and communication has ceased on their part. Their only replies were stating that they would contact me ASAP which hasn't happened. They have all my information, they have all the required documents I have wasted hours upon hours talking to different people only to be given the complete run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: LA
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: Other problem getting your report or credit score

Complaint:
My equifax login is broken and customer service has sent me reset links and etc that do nothing but lead to the following when logging in : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 initiating a formal complaint with the Consumer Financial Protection Bureau in response to an ongoing concern pertaining to my credit report. The crux of the issue lies in the presence of inaccurate information within my credit history, specifically, data that has no relevance or association with me. Despite my proactive efforts to address this discrepancy by reporting the incident to all three major credit bureaus, I have unfortunately encountered a lack of resolution. Consequently, I humbly request the diligent removal of this erroneous account from my credit report, as its continued presence negatively impacts my financial standing and reputation.

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