BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Having sent TransUnion a certified and notarized letter informing them that they are in violation of the FCRA owing to the fact that they have been reporting incorrect information on my credit report, they have failed to investigate this matter. 

The following inquiries are showing on my credit report that needs to be removed because at no point whatsoever did I authorize these inquires : XXXX - XX/XX/21 ( showing XXXX entries ) XXXX XXXX  - XX/XX/21 XXXX - XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21 XXXX  XXXX XXXX XXXX XX/XX/21 XXXX/XXXX  XXXX XXXX XX/XX/21 The companies can not verify these inquires, how then did TransUnion verify them to be accurate? I did NOT authorize my credit to be ran for a permissible purpose. Delete to avoid continued violations of the FCRA. 

I look forward for an amicable resolution into this matter.

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 2017-03-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/2015, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the IQ Data International Company disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

On XXXX, I received a response from this company with a copy of a lease that included my name type written at the bottom and bearing no signature in the signature fields. 

I sent a response advising that this was not sufficient proof and again requesting proof of a lease bearing my signature. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good morning, 4 years ago we bought our 1st home through FHA, late in life, I am XXXX my husband is XXXX and on XXXX due to a XXXX XXXX, We went through a loan modification with our 1st company OCWIN, we were approved for a permanent modification, they tacked on XXXX to the back of our mortgage which seems to be SOP, After paying the new rate for several months our mortgage was sold to XXXX XXXX XXXX ( ... this 2nd company refused to honor the modification and charged us XXXX XXXX dollars in escrow they said we owed, I cant understand that because we were current with all payments to OCWIN > Soon after we paid the XXXX they sold our mortgage to another company XXXX. ( this 3rd company also refuses to honor the commitment. <P/>I have been in contact with all these mortgage companies, i have all the relevant paperwork which has been sent to each company more than once. I have talked to their representatives several times by telephone. They dont even try to resolve the issue.. What happened to my escrow money? why is the XXXX still on the back of my loan and the permanent modification is not being honored? We are in severe financial hardship due to the reprehensible practices of these mortgage companies ... Thank you for your time and please help us sincerely XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This company is reporting various names and addresses that have never belonged to me and even though I have provided documentation they have not corrected the information 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 2020-01-14
Company: ID Analytics, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received a very low credit score ( compared to XXXX, XXXX, and XXXX  ) from this company, SageStream , LLC. When I tried to call them at the number provided, I could not speak to a human, only leave a message. 

When I tried to request a detail of their report on my credit history online, the system abruptly shut me out and directed me to their phone number where, again, there was no option to speak to anyone. 

I've never heard of this company and, sadly, it was required that I supply them my birthdate and social security number online to gain access to my report ( which, as referenced above, was not shown to me ). 

Online complaints about this company are numerous! People 's credit scores are being trashed and, when they inquire why, SageStream , LLC tries to sell them credit fraud prevention services. I never got that far ; but the outgoing message on their voice mail says someone will get back to me within 24 hours. We'll see ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am applying for a home loan and Midwest Recovery Systems is putting small debts on my credit files that do not belong to me. I finally paid a XXXX $ debt to attempt to get my mortgage approved. The company could provide no documentation of the debt and had my name, dob and SSN, they did not have the correct address and had an incorrect phone number until we contacted them about the debt to try to clear it up. Now it has been paid and they are not removing it from the credit bureaus. Every time I call I get a different date for when the information will be reported to the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Applied Business Services, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In XXXX, I got a {$2000.00} loan from XXXX XXXX  online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXXThey never called me, sent me one statement, seemingly wanting to make my credit worse!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/21, XXXX XXXX alerted me to a new inquiry on my credit report with Equifax. This Hard Inquiry was from XXXX XXXX with which I have no relationship ( never did ) and I had not authorized this request. I submitted a dispute with Equifax, however they refuse to remove it from my report. Subsequently, I received a letter from XXXX XXXX XXXX XXXX ( attached ) telling me that they have received a request to open an account which XXXX XXXX believes is fraudulent. Therefore, I filed a report with identitytheft.gov which instructed me to request my Credit Report from XXXX. This report ( attached ) shows 6 other banks/credit unions which have requested inquiries, NONE of which are from me. These requests have inaccurate phone numbers and SS numbers on most of them. I realized that the problem was much bigger than I thought -- -hence, I am filing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In accordance to FCRA XXXX XXXX, these accounts was further disputed in XXXX 2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these two accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/XXXX, 2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, XXXX, Transunion and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.

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 2016-09-08
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Tax lien {$2600.00} Status Unreleased & XXXX XXXX XXXX {$10000.00} Unsatisfied were both discharged through bankruptcy XXXX XXXX 2016 but still show on my XXXX & Experian Credit Report. I am trying to get a mortgage loan but need this cleaned up. It took me several days to finally be able to report the disputes. I still can not access my free credit report from XXXX. I had no problem with XXXX, it was resolved in less than 12 hours. I have a XXXX ill XXXX son living on the streets that I need to help with housing. It is vital that the credit reports are cleaned up as soon as possible.

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 2016-11-10
Company: Avant Credit Corporation
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have had a personal consumer loan with Avant finance for over a year. Monthly payments are {$260.00} per month and after 12 months only {$750.00} has been applied to the loan. The interest has been front loaded and if I carry the term of the loan, I will end up paying over {$8000.00} in interest. I am not sure if this is legal, but feels like I am being taken advantage of and predatory. Do n't mind paying the loan, I borrowed the money but more should be applied to the principal. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Glass Mountain Capital, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received several phone calls from this company in the past 20 hours. They will not tell me why they are calling or what type of company they are. They simply repeat that they are a company that handles my " personal financial business, '' and that they need to confirm my identification by means of obtaining my name, date of birth, social security number, and address for their files. When answering the phone, they told me they are Glass Mountain Capital, but the phone numbers they call from do not match any listed online. I had to do research to determine that they are a dent collector. I am a stay-at-home mother. I have never had any type of loan, never purchased an item such as a car or house. I've never had a credit card. I've not worked since before my XXXX  was born, and I've had this phone number for 8 years. If I had a debt, it would be almost a decade old, and they would have contacted me prior to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of Identity Theft, someone tried opening up numerous accounts using my information, as I contacted numerous credit card companies to notify them it was not me most of them were helpful and removed the inquiry from my credit report. However Paypal Credit was the only one who treated me like I was the criminal not the victim, the individual I spoke with was rude and told me that they could not remove the inquiry from my reports, I was told that I would need a police report and I would need to fax it in in order for them to remove the inquiry, this is after I notified them that it was not me who applied for credit and not only it was not me but they used a wrong address to do so. Paypal Credit still refused to remove the inquiry without the Police Report. It is hard enough to deal with the identity theft issue by it self, but to have a credit provider treat me like I was the criminal was not expected.
<P/>
This is my alert from   XXXX    Credit tracker : CCBPAYPALCREDIT obtained a copy of your   XXXX   Credit Report.  XX/XX/XXXX Alert Da te :  XX/XX/XXXX   XX/XX/XXXX  Date Filed :  XX/XX/XXXX  Source :  XXXX  Phone :   XXXX   XXXX   XXXX   XXXX  3 Address :   XXXX   XXXX   XXXX    XXXX , MD  XXXX - Company CCBPAYPALCREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortage is refusing Automatic termination of PMI at 78 % LTV as required by Homeowners Protection Act ( HPA ) of XXXX ( Automatic Termination as required by USC Title 12, Section 4902 ( b ), and definition of : Termination Date as defined by USC Title 12, Section 4901, ( 18 ) ). Freedom Mortgage is incorrectly applying an investor guidelines as outlined in Consumer Financial Protection Bulletin XXXX, dated XXXX XXXX, XXXX, Section XXXX, on Automatic Termination, and specifically Page XXXX Section B applying to " Investor Guidelines ''. I am submitting a formal complaint and wish Freedom Mortgage to comply with Federal HPA Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: EQUIFAX, INC.
State: AL
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:
THE ACCOUNTS XXXX XXXX AND XXXX XXXX IS NOT REPORTING ACCURATE INFORMATION ON ALL TREE OF MY CREDIT REPORTSXXXX XXXX XXXX WAS INCLUDED IN BANKRUPTCY AND SHOULD NOT BE LISTED ON MY CREDIT REPORTS, ALSO XXXX XXXX XXXX   SHOULD NOT BE REPORTED AS LATE IT IS A CLOSED ACCOUNT AND PAID IN FULL. THE TWO LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX SHOULD NOT BE REPORTING AS LATE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After almost 2 years of trying to resolve this matter I have been repeatedly told that if I do not pay this debt it would severely destroy my credit. 
This debt was opened by someone else using my credentials ( name and DOB and possibly my SS # ) I have made it clear that this XXXX XXXX XXXX phone account was NOT opened by me and they refuse to hear my story. 
At one pint they removed it then within 30 days ( last year ) put it back on my credit report. 
This is causing me serious problems and I have tried for almost 2 years to resolve this matter with no avail. 
Please help me in this matter, Here is their contact information I have : RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you so much

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