BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 information contained in my credit file for XXXX is incorrect. The account number being reported in my file for a XXXX account is incorrect. On my credit report it is showing a that I had XXXX as the servicer of my student loan for years when this is not the case. I only had a loan with XXXX from XX/XX/2016 to XX/XX/2016. Also, XXXX is reporting late payments for months my loans were in deferment. By law you have a duty to properly reflect these payments correctly. Loans in federal deferment should not be reported as late per the FCRA. The balance in the file is also incorrect. This is not the correct balance for the loan. The loan was also pain in full and this is not reflected in the report at all. Attached is a copy of the innacurate credit report. There is no excuse not to fix this and remove it.

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 2017-04-20
Company: Optimum Outcomes, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Optimum Outcomes refuses to respond to letters requesting validation for a collection they are reporting on my  XXXX  credit report. They are in violation of both Federal and TX law. Texas law provides that I can request validation at ANY time. I have no idea who they are collecting for and who owns the alleged debt. I have never received any communication from Optimum Outcomes. I only found out about this collection from reviewing my credit report. Optimum Outcomes continues to verify with  XXXX  and they refuse to respond to my letters.   The account number listed on my  XXXX  report is  XXXX . The last  XXXX  numbers have  XXXX  's so the entire account number is not listed. At this point, by their refusal to provide me with ANY documentation, I have no other reason than to believe that this is a bogus debt and an attempt at extortion. They are currently reporting a collection in the amount of  XXXX . I need to know who they are supposedly collecting for so I can advise them of Optimum Outcomes abusive and highly illegal behavior. I will not hesitate to contact an attorney should Optimum Outcomes continue to ignore my requests for validation while continuing to verify with  XXXX . This is extremely unethical and illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I check my credit on a daily basis due to possibly identity fraud. I viewed my credit today and on it appeared a account from a collection agency that has never made contact with me or sent a written validation notice as required by the FDCPA. I was not given the option to dispute this debt as required by law I have 30 days. Instead it was immediately placed on my credit file with  XXXX  and  XXXX  causing the denial of shelter for me and my family. My rights have been violated under the  FDPCA and I will be contacting the Attorney Generals  office in reference to this.

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 2022-08-04
Company: Selene Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im still going because of COVID-19 I have called the mortgage company and ask for a for bearing Relief they have agreed but they have went forward with the foreclosure because we did not come to terms to settle the debt in lump sum

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There has been several FCRA violations and still will not removed it. 

On XX/XX/XXXX and XX/XX/XXXX I sent letters and supporting documentations certified mail in regards to a disputed item. 

Items disputed : US BANKRUPTCY COURT-XXXX  XX/XX/XXXX and US BANKRUPTCY COURT XX/XX/XXXX Equifax continues to respond as verified but they never verified it. I sent letters twice of method of verification as well as the courts do not provide information with the full social number unless the person or company file a motion plus do not verify information with third party and credit bureaus so they basically did not verify to see if this similar name is mines. 

Plus, said was verified by XXXX XXXX who i contacted by mail and told asked for the same thing and sent same supporting documentations. 

XXXX XXXX respond by mail stating they removed it and stated by mail do not have disputed item any longer. 

At this point it has been more than past 30 days and still no change and deletion from equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I was in Bankruptcy from XX/XX/XXXX until XX/XX/XXXX. I have clear bankruptcy and been discharged but the bureaus show the report as being a new bankruptcy account instead of it being cleared and closed. This cost damage to my credit score and the all credit reporting agencies need to correct this issue immediately.

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 2022-04-28
Company: EQUIFAX, INC.
State: MD
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 received a notice from my attorney in reference to XXXX Lawsuit. I reached out to XXXX in reference to this. I was told that it would be removed off my credit because of the fraudulent activities that XXXX XXXX XXXX has caused. This has been hindering me from moving forward in life and I've been investigating this for a long time now. 
XXXX XX/XX/XXXX {$3400.00} XXXX XX/XX/XXXX {$10000.00} & {$9000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$10000.00} XXXX  XX/XX/XXXX {$5200.00} XXXX  XX/XX/XXXX {$6700.00} XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$4500.00} XXXX XXXX. XXXX, XXXX {$1300.00} XXXX XXXX. XXXX, XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 received a notice from my attorney in reference to XXXX Lawsuit. I reached out to XXXX in reference to this. I was told that it would be removed off my credit because of the fraudulent activities that XXXX XXXX XXXX has caused. This has been hindering me from moving forward in life and I've been investigating this for a long time now. 
XXXX XX/XX/XXXX {$3400.00} XXXX XX/XX/XXXX {$10000.00} & {$9000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$10000.00} XXXX  XX/XX/XXXX {$5200.00} XXXX XX/XX/XXXX {$6700.00} XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$4500.00} XXXX XXXX. XXXX, XXXX {$1300.00} XXXX XXXX. XXXX, XXXX {$2400.00}

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 2022-04-01
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/22, I received a credit card that I did not apply for. I did not activate said card. On the morning of XX/XX/22, I received a call from the credit card company, that this looked like a fraudulent card. They closed the account. This card was sent to an old address and used another phone number and email address, not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: AES/PHEAA
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:
While selecting options in the prior pages there were not choices which apply exactly to my situation!? 
I have a dispute with FedLoan Servicing for reporting me " 90 Days Late '' on TEN accounts without contacting or attempting to contact me in any way. 
I have 10 School Loans on my name for my son 's college education. He graduated 3 years ago and has been struggling with drug addiction. The loans ( mine and his ) were placed on " forbearance '' status since his graduation. In XXXX, XXXX, FedLoan Serv. sent me an email notifying me to log on, and extend the " forbearance '' status of my loans, based on mine and my son 's being unemployed, and I having to care for my elder mother. 
This was the last communication I received from FedLoans! 
In XXXX of XXXX my son was committed to a Clinic for XXXX in XXXX, where he presently is. Since then the family attention and resources have been devoted to his treatment. Prior to him checking into the facility, he assured me that the loans are in " forbearance '' mode. 
In XXXX, XXXX, I incidentally discovered that FedLoans have had me reported " 90 days late '' on all 10 accounts to the Credit Bureaus .They told me they SENT ME A TEXT on XX/XX/XXXX. I verified with T-Mobile that this is not true. When confronted with the fact, on XX/XX/XXXX, they ( XXXX ) stated " ..still, it is a correct reporting ''. They claim to have sent emails to my son 's ( he has not have internet access since XX/XX/XXXX ) email, being the 'primary ' in the account, while mine is 'secondary '. I am residing, since XXXX, at the only address they have on file. The phone number they have on file for me, I have had for 15 years. 
Please, let me know if I can help with an additional information. 
Thank you. 

XXXX XXXX. 
PS : FedLoan Services did offer, and provided me with a letter/statement that I am, and have been current on all accounts, BESIDES the 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove inquirys on my report due to identity theft as per attached letters. 
Credit Reporting Bureau : Equifax XXXX XXXX XXXX, Dated XX/XX/2017 XXXX XXXX, Dated XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The short sale has been under review for 115 days. The investor first denied the buyer closing costs despite being a VA financing purchased. Lastly, we were counter to increase the price to {$240000.00}. the current offer amount is {$230000.00}. On  XX/XX/XXXX , copious amounts of supporting documentation to back up our offer amount were submitted in the form of a value dispute as a response to the counter. It has been over a month and there have been no updates regarding a decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Sensible Auto Lending, LLC
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A XXXX XXXX XXXX, VIN # XXXX, was repossessed on XX/XX/XXXX. Sensible Auto LLC claims to have sent A Notice of Repossession and Right to Redeem or Reinstate to myself in the timely manner the state requires. Sensible auto claimed to have sent the document on XX/XX/XXXX, in the state of Connecticut the lending company must send the letter out to the borrower within 3 days. If this is not done within the said timeframe the lien holder forfeits the right to any repossession & storage fees. They also have to make the borrower whole if the error caused any damages. Not only did Sensible Auto LLC attempt to obtain fees that they were not entitled to, they refused my pleading to pay the actual past due balance and held my vehicle ransom because I refused to give them money that I did not owe. Sensible Auto also denied me the opportunity given to bid on my vehicle because they did not notify me of the sale until after the property had been sold. I would like to believe that the error was not intentional, unfortunately after further investigation of the evidence, Sensible Auto LLC is willing to do things to prey on the weak and struggling. I have made a complaint to my state Attorney General and with my states Department of Banking. I felt lost confused and helpless during the process and in the end felt that the injustice was filed away, referral numbers where given but nothing had actually been done. Im hoping that this will be last and final attempt in my pursuit for justice. 
Past due amount {$510.00} Fees : {$230.00} ( Plus Additional Fees to pay to the company that repossessed the vehicle along with there storage fees wich are TBD ) I believe this is a tactic used that violates the consumers rights to prevent the borrower from redeeming the vehicle as the law allows.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Equitable Acceptance Corp
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I got scamed  bya student fo rgiveness company I already reported them to the federal trade commision, they are now possing on my credit report by another name  XXXX  my credit of  XXXX   XXXX  a month, they need to clear that I called them to unmask their scam and I even had to put a flag alert on my credit, they are a false company charging for charges that are illegal and they should not charge since I contacted the department of education and they alerted me a little too late, since the harm was already done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Convergent  XXXX  has knowing and wrongfully placed a collection account on my credit reports with  XXXX  and  XXXX   XXXX  that does not belong to me, they continual to harass me me for my personal identification information and threaten to take further action against me for a debt I know nothing about.     I have not entered into any type of legal or binding contract with Convergent  XXXX  nor have I subscribed to or received any services from them. The identifying information which was provided to me by one of there collection agent does not belong to me and are not mines and I never have resided in the  State,   City  or address which the agent also provided. The information and account are bogus in nature and deliberately and wrongfully placed on credit reports.

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 2019-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America asked me to show ownership of the funds by providing a notarize letter from the sender and a notarize letter from the bank of the sender., I submitted both letters and bank of America still refuses to release MY MONEY.

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 2020-01-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been a customer of this company for a while never missed any payments I recently was hospitalized due to XXXX  my XXXX   and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I used the  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . Where the ambulance was sent to was not my address. They claim to have sent bills to this address which only 2 initial bills were received. I then called this provider to give my insurance information and address. This provider never changed my contact information. After my insurance denied to cover this provider 's claim because they submitted the claim too late ( which I had no knowledge of ),  XXXX   XXXX  never attempted to contact me about the balance due. They sent me to  Penn Credit Corp c ollections in  XXXX  without my knowledge . Penn Credit Corp never attempted to contact me to collect my debt. They only way I found this out is due to the fact I check my credit score every month and last month it dropped dramatically. I then called Penn Credit Corp, gave them the correct address and they told me they will resend the bill information to my correct address so I can have proof and dispute it with them, my insurance, etc. I have yet to receive anything from this debit collector and it has been two months since I have contacted them. They will not provide me wit h any physical documentation of my debit. Giving me no chance to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not authorize this debt, nor did I benefit from. Please review the attached documentation and remove this debt from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit companies are reporting I have tax liens reported by different courts. The courts  DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) a nd a serious breach of my privacy rights.

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 2022-04-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX Account # XXXX has violated my rights. 

XXXX CARD Account # XXXX Has violated my rights XXXX Account # XXXX Has violated my rights 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 conviction of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are 5 separate collection accounts from preferred collection and management XXXX for debts they claim are from XXXX XXXX XXXX XXXX dates assigned to them range fromXX/XX/2014 toXX/XX/2017 acct # s XXXX, XXXX, XXXX,XXXX and XXXX. I have requested multiple times for invoices for these accts they claim are mine and since XXXX they have yet to provide them. They have my updated address and still no avail. I am demanding that these items be removed from my report immediately.

Company response to consumer: Closed with explanation