BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Attached in my identity theft report and below are all fraudulent inquiries reporting on equifax Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company did not announce they were a debt collector when calling me. they answered " hello this is XXXX '', then told me I owed them something when It wasn't even me, they were calling for the wrong person. they did not clearly state they were debt collectors and any information collected would be use for collection perpouse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX claims I submitted an application with XXXX XXXX XXXX  in XXXX  when I did not. They have lied twice about this and the cfpb is allowing them to get away with this. you XXXX  and the cfpb continue on this course after I submitt my evidence, I will go the the attorney generals office. XXXX XXXX KNOWS I didn't submit a credit application. and it's time they tell the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Affiliate Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Affiliate Assets Solutions with phone number XXXX, keep calling me, my family, my friends and my employer constantly harassing me although I have told them to stop numerous of times. Because of them constantly calling my job and threatening my employer, I really worried about losing my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
TRANSUNION had removed XXXX  from my report 4 yrs ago then put it back on my report and when I despites it again they said it was never removed which you can clearly see on my credit report that it was.

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
TransUnion is reflecting an account *In Collection* by a XXXX XXXX XXXX ( Accnt no. XXXX for {$620.00} ) which appears to be a collection company. I filed a dispute advising that this account was not mine as I have no dealings with XXXX XXXX XXXX and do not know where or how this account originated. TransUnion returned the response in 4 days that the account was " verified as accurate '' but with no new information or indication what investigation into the dispute was done. 

All I want to know is where this account came from and how it ended up 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 non-monetary relief
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Accourding to the XXXX credit act my inquires over 2 years should have been removed. I reviewed my reports and noticed the following inquires over two years still remain on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-07-18
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for a loan modification in XX/XX/2018 after nine months we received paperwork to set up autopay, during this process we were told we did NOT have to make the old payment, we could wait until the modification amount was set. Two days ago we were mortified to see the payment had gone up, and the interest rate had increased one full point. My husband refuses to sign to the terms and now we have been made aware the payments not made will be reported to the credit bureau, but the old payment and interest rate will be restored if we refuse to sign the modification How can they realistically think anyone would apply for a modification to have the payments and interest rate go UP. Is there anybody that can help with this, or anywhere we can be directed to go for help. This should be a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Today, XX/XX/2023, a handyman who did some work for me improperly sent me money as a " trade or service '' transaction. We contacted PayPal to get this reversed. We were told he could not cancel the transaction, and my only option was to enter tax ID information into PayPal, to issue him a refund, I would be charged a fee for the $ as a business transfer for XXXX and I would receive an IRS Tax form 1099 regarding the " business '' income for this transaction. 

I did not ask for this XXXX I did not accept this money. I am not a business. this money was sent by mistake by the other individual and now he can not access as well. I want this resolved without entering my tax information, without receiving a 1099 and the charge reversed for the handyman who made a mistake.

How can someone just send $ to another as a trade or service and impose tax liability on another individual? PayPal needs to correct this and allow someone to opt out of receiving funds like this if not desired - and should require approval or other means to decline. Please help me correct this. I imagine I am not the only person who has dealt with this issue and this is unfair to me as a consumer and individual using a service to pay for purchases etc., not to receive funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Transunion has not appropriately verified an account that i have disputed 4 times. Transunion has also deleted past disputes for this account in their system when i tried to inquire about what information was provided to 100 % legally verify this debt and whether the company had the legal right to try and collect on it. I submitted disputes in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and Transunion has been parroting the information from the credit collections agency instead of verifying the agencies right to collect, amount and proof of ownership. The account is XXXX XXXX # XXXX. Attached is the most recent request for XXXX to be removed and Transunion has illegally deleted other requests that were initiated online via their website. The other disputes were submitted online via transunion dispute system. Transunion and XXXX XXXX are in violation of the fair debt collection practices act. Transunion willfully failed to provide me with any information that you are required to under Federal Law. A mere statement that these items are reported correctly and therefore verified is insufficient. You have not identified who verified the accuracy of the information or how they were verified. Only an individual in your company with firsthand knowledge must be able to, under penalties of perjury in a Court of law testify that they themselves looked at the physical documents necessary to verify the account. Transunion has not done this on each occasion. The Account XXXX on my credit report is in violation of 15 USC Section 1681.

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 2018-08-08
Company: Ditech Financial LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech reversed my XX/XX/2018 mortgage payment for reasons unknown and unexplained to me. Customer Service has also been unable to explain what happened from my numerous calls to them. The funds paid to Ditech were posted to my Ditech account and cleared my bank account timely. I only learned about this situation when I received a letter from Ditech dated XX/XX/2018 which stated I was behind on my mortgage and that I needed to make a payment to avoid foreclosure. My account is current and I have bank records to prove every payment. I have spent hours on the phone with Customer Service and have gotten no resolution. I don't understand how my payment could be received, applied to my account, clear my bank and then be reversed months later, thus creating a default situation? Where did my funds actually go? As a financial institution, aren't they supposed to abide by strict accounting controls? After trying in good faith to work with Ditech to clear up this situation, I now feel they are willfully misstating my account status and payment history while also threatening me with foreclosure for their own shoddy accounting practices. Thank you for any help you can provide

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loan started at {$32000.00} prin.amt. The prin.amt.has gone up instead of going down. have been paying on it for about 12 years and have paid about {$23000.00}, So can you tell me what 's up with that? I can understand paying interest, but I ca n't understand why the principle amount does n't go down instead of up. Navient is taking advantage of this loan and I have no way to get out of it. They put this loan on interest payments only, ( without my request ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a capital one card holder for 20 years! They closed my account with no know warning to me due to inactivity. I was Unaware this was possible. It has drastically affected my credit score due to longest standing credit line and available credit. This was my emergency card that I kept For all obvious reasons. I tried To call and spoke with two people in which they expressed their empathy. Empathy will not adjust the damage to my immediate credit score and available emergency funds! I have Another card with them and am now inclined to transfer my balance and leave completely as it was 3 days ago they closed it and I called As soon as I was Aware. There has to be a certain window of grace. Very disappointing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CBC Companies, Inc.
State: CA
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:
Please I been back and forth with agency that have been report illegally on my credit report please remove and delete all information. Im requesting to opt out of all, XXXX, XXXX, and XXXX data bases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: MARINER FINANCE, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I opened a personal loan with Mariner Finance in XX/XX/XXXX. All aspects of obtaining the loan were done online. 

Mariner Finance recently upgraded their website, I went in to login to my account to make my payment ( which was about 2 weeks late at the time ), and was asked to answer my security questions, something I never had to do with the previous website. Since these were setup almost 4 months ago, I incorrectly entered them.Mariner Finance then proceeded to lock my account with no warning and told me I needed to contact my branch. I understand the need for security, but this is ridiculous. 

Seeing as how my work schedule prevents me from contacting my branch during their operating hours, and their online support which operates on the same schedule ( also crazy ), I reached out via email on XX/XX/XXXX to see if there was any way I was able to verify my identity and unlock my account another way, to which I was told no. 

I count on my online account to make payments, as making payments over the phone is not possible as mentioned above. 

On XX/XX/XXXX, I made a payment from my bank account using XXXX XXXX, I asked my fiance to call the following day to make sure they received it. He was told they had not, and that it was probably mailed and not transferred electronically ( as of XXXX the payment is listed as processed by my bank, electronically, to Mariner Finance ). He also asked if there was any other way for me to verify my account, or if there was a customer service line open after XXXX PM, to which he was also told no. 

I dont understand how a major loan company has no other avenue to verify my identity other than to call during a limited time frame. And how they would lock an account after incorrectly answering questions ONE TIME. I would be more than willing to submit identity documents, ssn, utility bill, etc,. It should also be noted that when obtaining the loan, I didnt speak to a single person to verify my identity. 

I would like Mariner Finance to unlock my online account so I can continue to make payments. I will submit any identity documentation needed, but I shouldnt have to jump through hoops to make a payment, especially when none of this was needed when taking out the loan in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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:
Social Security Admin office is reporting a charge off that should not be on my credit. They previously told me they would remove it and so far nothing has happened. This account should not be on my credit and I would like for it to be removed as I was advised it would be.

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 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was a victim of TransUnions inquiry issue. Inquires were removed then later re-added to me report without a 5 day notice as required by law. Additionally I 've tried contacting customer service about this and they continue to play stupid. I also let them know I was a victim of thTransUnion broke the law and they need to take the following inquires off my report permanently : 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 explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2021-04-08
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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