BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-17
Company: Data Line Credit Corp
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection company has reported information in my credit report without providing adequate proof of the actual debt or original paperwork of ownership of the account. When I called to request this information about the inaccuracy and try to request documentation, the person that answers " XXXX '' was rude and very condescending. When I asked if I could speak with his supervisor, he laughed at me and told me " You can call and request to speak to a supervisor all you want, but you 're not going to get what you want! '' He went on and told me to shut up and listen to him, that I would need to pay for the full collection if I wanted the account deleted from my report. No documents have been provided up to date and XXXX 's and XXXX 's dispute system has not worked for me one bit. There is a message that states that account has been verified, but I still do n't have any original paperwork. I have done research about this collection company and there are similar complaints about this individual XXXX. I find these offenses to be great FCRA violations as I am XXXX and am held responsible for these laws and regulations. I feel that all should be equal and this company DATALINE should be held within the same standards. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Evergreen Pro Recovery sent information to XXXX and XXXX some how put someone else on my report {$100.00} can you please help me get this off my records???

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
Consumer complaint received 2018-05-30
Company: Vanguard Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Vanguard reporting a unkown debt they claim I own to XXXX and refuse to validate this debt. They are reporting the account twice for the same amount.I have tried to resolve this by phone poor customer service over the phone sent dispute certified but no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: TN
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 was approved for deferral yet Im still showing delinquent for those months. They do not respond.

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 2015-10-13
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
First off this hospital palm springs slandered by saying they accept my insurance XXXX. then they did fraud after they didnt charge my insurance and my insurance had to appeal and negotiate to accept. now they have been harrasing me for the past year with debts claiming to take legal action as they didnt even give me prescriptions and hurt me as a patient. as well the optimum outcomes inc keeps harrassing with services rendered in form of law suit collection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ok I received XXXX calls from this company sunrise credit in one day and when I called to find out who it was and how many times they are allowed to call me the employee XXXX stated more than once so I asked to speak with a supervisor and multiple times he avoided the question and continued to tell me they did n't call me and placed me on hold multiple times telling because we are on the phone he ca n't see if they called and once more puts me on hold and comes back and tells me that they did call multiple times and I advise him that my rights are violated and to answer how many times they are allowed to call he states that he did n't know that answer I felt this was very unprofessional of the company for them to conduct they way they have and for a supervisor not to know his rules and guidelines I felt harassed

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 2021-07-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I XXXX XXXX entered a consumer credit transaction with NMAC. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge the sum of all charges and it also supposed to include insurance and they didn't include it which is a violation of the Truth in Lending Act. When reaching out to Nissan Motor Acceptance Company they responded by saying they're aware what a finance charge is but they do not off insurance, and that is admitting to not following federal law and a violation of 15 USC 1611. I had a finance charge of {$6500.00} which what it costed me to extend my credit but it was converted into a loan of {$33000.00} why am I paying for my own credit? I have paid {$18000.00} to NMAC which is almost triple the finance charge and I think that is ridiculous that they're getting away with this. Nissan Motor Acceptance Company also didn't give a right to rescission which is another violation of the Truth In Lending Act 15 USC 1635. As of XX/XX/XXXX I have demanded that they cease all communication with me until they give me my specified remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I had an adjustable rate mortgage with XXXX XXXX XXXX which adjusted in XXXX to the tune of {$4300.00} but was adjusted to {$3700.00} after loan modification. I got a second job but even with a second job, I still could not meet these terms because in addition to these payments, that I'm single parent and still had to pay for child care and other living expenses. I contacted a realtor and after a long soul searching process, I decided to put up the house for short sale in XX/XX/XXXX. 
In the midst of the short sale process my loan was sold to Select Portfolio Servicing in late XXXX and I have been living a nightmare ever since. According to them which I find hard to believe, XXXX XXXX XXXX did not give them any short sale paperwork when the loan was sold so I had to start from the beginning again and fill out all the required forms. 
I have lost 3 buyers in the process because of their shoddy business tactics. 
I have had the same realtor on record and I have given her 3rd party approval to handle all transactions but on myriad occasions they have returned and said she does not have approval to speak them. I have made 3-way calls on multiple occasions so they could speak to her. 
I have sent 3 Request For Short Sale forms ( I have proof of receipt ) to them even uploaded it to their website but they keep saying to resend or they don't have it or lost it. 
4. Every time I think I'm close to approval, they throw another wrench in the plans and ask for another BPO, which is different each time, even though I have previously submitted it 3 times and ask me to fill out another RFS. The items requested have nothing to do with the settlement statement. First sale was for {$520.00}, went up to {$550.00}, now its {$590.00} The house needs a lot of repairs ( roof, flooring, termite ) and the current buyer is a newly single divorced gentleman who works in construction and will be able to offset the cost of these repairs. the BPO does not factor I the cost of the repairs of where a reputable, ethical person conducting it would tell you. So far he has been very patient to hang in there with the process but I'm afraid he maybe the 4th casualty. 
My life is at a standstill, I can not move forward and begin the hard work of reestablishing my credit because XXXX is a nightmare and losing 3 buyers has been very tough to swallow with XXXX giving me foreclosure dates and removing foreclosure date only to throw more curveballs because of their shoddy business tactics. 
No one buys a home thinking they will lose their home, I certainly never tough this would happen to me. I have lived in this home for 12 years and it's been tough to let of the dream of home ownership and my grieving process exacerbated and been complicated by XXXX. 
I have a copy of all the documents with my realtor that I have submitted to XXXX if you need them. 

Sincerely. 
Distressed soon to be former homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: TN
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:
Equifax Information Service are knowingly reporting wrong information under my social security < they have been provided numerous documents to help them to correct their file but have done nothing, still as of today XX/XX/2021 are still reporting inaccurately and should be held liable for my damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: AR
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 was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX  XXXX {$3100.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: World Acceptance Corporation
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... WFC XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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: Information belongs to someone else

Complaint:
I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX Transunion and XXXX are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX  ( INQUIRY ) XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX XXXX XXXX XXXX # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2020-03-30
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:
I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX, XXXX and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX/XXXX  ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX ACCOUNT # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ... CAPITAL ONE XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Spring Oaks Capital, LLC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
OCWEN LOAN SERVICE & XXXX XXXX. SHAREHOLDER A schedule appointment for Monday XX/XX/XXXX OCWEN RELATION MGR. 
NEVER CALL ME AT XXXX PM. THIS IS THE THIRD TIME SINCE XX/XX/XXXX. 
TO GO OVER THE NEW PACKAGE SENT IN XX/XX/XXXX. EVERY TIME YOU CALL ASSIGNED OCWEN ( RM ) NEVER AVAILABLE THERE NO LOAN MODIFY YET SINCE XX/XX/XXXX, I APPLY FOR AFFORDABLE HOME LOAN, HARP LOAN. IM XXXX YRS. 
To : " XXXXXXXXXXXX '' XXXX " Relationship Manager '' OCWEN PERSON NEVER CONTACTED ME ON XX/XX/XXXX FOR SCHEDULED APPOINTMENT THIS IS THE THIRD TIME.. 
I CALL IN AND ASK WHY NO. VERY FRUSTRATE .THE RM RESCHEDULED APPT. 
FOR XX/XX/XXXX WHOM WAS STILL NOT XXXX .RM ASK ME WHAT I WANTED. WHEN HE CALL. NEVER WENT OVER PAPER WORK.. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Wed, XX/XX/XXXX, Relationship Manager XXXX wrote : Subject : Important Account Information To : " XXXXXXXXXXXX '' XXXX ; Date : Wednesday, XX/XX/XXXX, XXXX Dear XXXX, Our records indicate you have spoken with one of our Relationship Managers ( RM ) on your scheduled appointment on XX/XX/XXXX. PLEASE PLEASE PLEASE DO SOMETHING ABOUT OCWEN LOAN OR FINANCIAL THIS BEEN GOING ON SINCE THEY TOOK OVER MY ACCOUNT XXXX BUT THEY HAVE FRAUDLENT REPORTED TO CREDIT AGENCY OCWEN LOAN SINCE XX/XX/XXXX FALSE .. XXXX XXXX XXXX THIS NEW LOAN FOR HOME IN XX/XX/XXXX. PAYMENTS ARE INCORRECT. I HAVE MAIL BANK STATEMENT THREE TIME XXXX PAGES TO FL. AND THEY STILL SAY DONOT HAVE.. 
SCAM..NOW THEY WANT TO TAKE THE HOME.. SEE OTHER CASES. XXXX COMPLAINT SINCE XX/XX/XXXX WHEN IT WAS HOMECOMING FIN. THEN GMAC THEN OCWEN. XXXX XXXX INVESTOR. 

From : Consumer Financial Protection Bureau XXXX ; Subject : Your submission, [ Case number : XXXX ] XXXX ; Date : Thursday, XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Resurgent Capital Services L.P.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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: Their investigation did not fix an error on your report

Complaint:
Good Day, Thanks for reading this letter, I have 2 issues my first issue is with the Equifax Reporting Agency, I was late on my XXXX XXXX Credit Card for being in the XXXX  from XXXX, for 6 months during that time my credit dropped over 100 points, I contacted XXXX XXXX and they removed my late payments with documentation, I looked at the score increase and it only went up 2 pts, I would like to know how you can take a 100, but when corrected only give back 2 pts, also I have unauthorized inquiries in which I have disputed several times asking for proof that I was the one that made those inquiries and they tell me they cant remove, this is illegal if it is not mine ... .. I feel like this bureau is not fair according to the Fair Credit Reporting Act .... The inquiries are 1. XXXX, XXXX, XXXX  XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, I did not make these inquiries nd I want proof that it was me that did I have contacted these creditors as well ... .. this company Equifax does not treat customers fair according to the law ... .. also there is a collection on my report that is not my debt I have ask for verified proof that I had a account with XXXX XXXX XXXX XXXX have disputed this item over and over this item should not be on my report, could you please look into this matter I am very sick and need my credit to get hospital care ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: RI
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:
Experian dont fixed report show error in my credit. Reporting account opened fraudulent of XXXX XXXX/ XXXX XXXX and XXXX  XXXX lending Both account still showing opened current account is no mine and danger my score another reason put this complaint is because my credit is low compares other credit reported dont show correct fico score danger my record and limited opportunities get credit

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 2021-07-29
Company: WELLS FARGO & COMPANY
State: RI
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:
XXXX  dont fixed report show error in my credit. Reporting account opened fraudulent of Wells Fargo/ XXXX XXXX and XXXX  XXXX lending Both account still showing opened current account is no mine and danger my score another reason put this complaint is because my credit is low compares other credit reported dont show correct fico score danger my record and limited opportunities get credit

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