BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
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: Information belongs to someone else

Complaint:
After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 2017-01-03
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Comenity Capital Bank approved me online for a XXXX visa account. I was sent cards and activated them. I went to use the card not even a week later and was declined at the merchant. I called customer service who advised me that my account had been closed and I would get a notice in the mail explaining why. I have never experienced the revocation of an approval before ... especially after i was just approved. I contacted the Consumer Relations department who informed me of the same and that the bank could close my card at any time. They indicated recent inquiries ( I am working on rebuilding my credit ) as the reason why and that my account was too high of a risk and no further consideration would be made. I expressed concern with the fact that the application should have never been apparoved if that was the case. Now i would have not only an inquiry on my credit, but a short opened account that was then closed by the grantor. I can reasonably explain my situation and have had accounts in good standing with the creditor in the past. My card should be reopened as it was originally approved or all indication of an account removed from my credit report. This " delayed '' risk assessment is a very poor customer experience and the impact to my credit is unacceptable. I would like to continue my relationship with the bank and intend to honor our agreement if they will honor theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Aargon Agency, Inc.
State: MD
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:
The company called me asking me if I knew certain names I did not. They asked was my social XXXX it did not match mine! They have placed it on my credit report and the debt is not mine!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Regional Management Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am enrolled in credit monitoring and I also review my credit report online often. Today when I reviewed my credit report, Regional Finance is listed on my XXXX report as showing me being delinquent for last year XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had to submit this over recently because this was not on my credit report last year and I do n't recall being 30 days late last year. I even refinanced w/ the company this year so it seems impossible to have been late. I am not sure why this was recently reported on my credit file and would like it to be removed because it is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please refer to the following complaints : XXXX XXXX/XXXX/XXXX XXXXXX/XX/XXXX I have asked this company to validate/verify the said debt and they repeatedly and knowingly report this information without verifying the debt. I have specifically, starting inXX/XX/XXXX asked that the debt be validated as per FCRA. This company ONLY sends a bill and calls it validation. I have yet to receive the following : -Original contract that has my signature as a promise to pay - Contract or assignment documentation that shows they are able to collect and report on my credit. 
-Full accounting of the said debt from account inception ; contract and promise to pay, all payments, offers credits etc. on the account and how they arrived at the full balance. 

Simply providing a bill is not sufficient under the law. They did not provide this information within 30 days of the original XX/XX/XXXXrequest and this company is hereby in violation of the law FCRA as they continue to tell the credit reporting agency that the debt has been validated and it has not. 

I have reported this illegal act to the California Attorney General and this will be the last resort before filing a formal law suit against Diversified Consultants. I am requesting that DCI remove this line item from my credit report as they have not validated the debt. 10 months later they have not validated the debt however they keep breaking the law in telling the credit reporting agency that the debt has been validated. I am seeking resolution at this level or I will sue this company which will result in a fine for each occurrence. Meaning every time this company broke the law and lied and told each of the credit reporting agencies that this was a validated and verified debt as well as sent me a bill and not the validation requested they will be held liable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
Company: Apothaker & Associates, PC
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Through a consumer action agency, I made contact with Apothaker XXXX P.C. ( the attorney 's office ) handling a judgement against me for XXXX XXXX credit card. The only offer they would make required me to pay {$640.00} /mo for two years. They said they had a rule against extending the time. 
I am a XXXX veteran on a fixed income and ca n't possibly meet these demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After I did modification my first loan in XXXX, my second loan remained same 11.5 %. It was difficult to pay. Every 6 months the landers were change and made me difficult to make deal with them. 
And on XXXX, XXXX the new lander XXXX XXXX of my second loan, sold the property as a foreclosure house an auction to somebody else, who evicted me from my propertys even if I paying my first loan. Before they sold the house many times I contacted to my first lander and explained the problem. But they did not even try to help me. After I left the house I stopped paying my first mortgage. Now they are keep sending the letters thats my responsibility to pay. 
Im confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I 've never received any notification of this debt. Collection agency is calling but has n't sent evidence this is owed or I was ever notified previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: RSI Enterprises, 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: Information belongs to someone else

Complaint:
XXXX  showing two medical collections listed by RSI for {$780.00} and {$500.00} RSI stated to me that the collections submitted by XXXX to them was for x spouse and do not belong to me i was not the patient I spoke To accounting at XXXX XXXX who stated she could not call RSI to tell them the bills did not belong to me however RSI says they cant remove unless XXXX calls them as they couldnt verify I was really XXXX XXXX even though RSI stated i was not the patient they still needed XXXX to call XXXX said finally said they would call to remove but haven't i have disputed with XXXX  but they still have not removed these two accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10
Company: TekCollect Inc.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
hello, my name is XXXX and my reference number is XXXX i join the college on XX/XX/2016 when i add a class i had did all the paper work for FAFSA . because every time i add a class i did a FAFSA. i had summit all the paper work that FAFSA needed and they said everything has been done that i do n't have to worried that i can start classes because FAFSA had paid everything. i called the college and talk about the issue and they are not helping me at all. so college is making me to pay it twice. i do n't work and i can not make a this payment. we go college for batter education not to pay the amount twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
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:
There is a collection my credit report from XXXX XXXX. The collection is stemming from an account with " XXXX XXXX XXXX XXXX '' that is not mine. It must be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a victim of a fake Bitcoin scam I had a log on and password and I found out it was all phony I was sending my money through XXXX XXXX after buying Bitcoin and sending it to what I thought was my Bitcoin account after contacting a lawyer he informed me the company was fake

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: CITIBANK, N.A.
State: MD
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:
A hard inquiry was reported from " Thd/cbna '' on XXXX XXXX, 2017. I called Citi Theft Solutions through the Home Depot. They were supposed to remove the hard inquiry. To date, this has not been removed.

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion is refusing to delete inaccurate out of date information on my credit report. As well as XXXX and XXXX. They refuse to delete unverifiable information I never authorized. They also are reporting my home as a business which was actually from the previous owner.

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 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : 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 2022-08-03
Company: EQUIFAX, INC.
State: VA
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:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EMPLOYER : SELF EMPLOYED Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was never late 30, 60, or 90 days late. I am not sure how this happened. I believe that I had made my payments to the companies when I received my statements. My only thought is there was a billing error with my statement because I have always made my payments on time. 

I contacted the companies in regards to this matter but they never responded. Also during the time the late payments took place My Identity was stolen. I have sent them letters, made calls but not response these accounts is hurting me and I need the matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a credit alert on my credit report. I now just check and find this company called AmSher Collection Services , Inc, XXXX XXXX XXXX, XXXX XXXX, XXXX, Al XXXX Tel ( XXXX ) XXXX on my report, had thrown me into collections. I have never heard of them. Never received any correspondence from them what so ever. I look at website and it first ask for last 4 digits of my ss number. Please note I was robbed in 2019 and my info was used and again in 2021my information was stolen.

I reported this last time my info was compromised through a company called Biz2Credit to the office of Inspector General and I have a letter from them acknowledging my complaint.

I am not sure if this company is connected to some random company that called my parents house last week demanding they pay my debt, but my parents are elderly so they just hung up scared.

Please help me. We are in the middle of a resurgence during a pandemic I am broke trying to rebuild last thing I need in my credit score going down lower and this company already did that. I tried calling them and they hung up on me when I refused to give ny social security number. Please I beg of you to help me. 

Please note my new address is XXXX XXXX XXXX # XXXX XXXX XXXX New York XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I submitted a request for XXXX XXXX XXXX via XXXX, a phone system that allows submissions to the three big reporting agency during a single call. On XX/XX/2017 at approximately XXXX  pacific time I submitted each request while on the phone call and received a confirmation for each submission. 

Within 10 days I received my report from XXXX. 

After a month TransUnion and XXXX have refused to supply the report. 

This has been the pattern for several years now AND TransUnion and, particularly XXXX contain the most false information about me and provide the most resistance in correcting the information ( ie incorrect names, false addresses, false financial transactions ). These two companies draw this process out for 6 months and more.

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 2015-12-11
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call from a young man who never identified himself he just asked for me by name and asked me to verify my DOB and SSN # before he could inform me of the purpose of him calling. I told him I would not be verifying any personal information and asked that he not contact me again if he could not inform me of who he was and the purpose he called for, as well as the company he represented. This man yelled to me " XXXX you need to pay your XXXX bills then, I told your XXXX XXXX I needed to verify your XXXX but you keep running your XXXX Mouth. '' I honestly thought this was a bad joke? No it was real I heard a call center background and laughter and then I heard a female in the background say to him " I hope there is no one on the other end of that line, because you just violated federally mandated laws as well as codes and ethical policies here. '' Then the phone hung up, so I called the number back. This representative ( I called the number to verify it was a place of business after, his outburst over the phone towards me ). The company is NCA- National Credit Adjusters, I stayed on the line and spoke with another ( different ) representative who I told about the incident and asked that I never be contacted by them again, he was as upset as I was and asked me to hold for him to get a supervisor, but we got disconnected and I had to go to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a request to rushmore loan management for forbearance in XXXX and it was only granted for 3 months, and when I requested an extension I was informed that it would not be granted until I submitted a modification application. I submitted a loan modification application request in XX/XX/XXXX and I continued to be reported late on my mortgage even though a forbearance was granted. 

I requested again that the Servicer review my account to provide a loan modification option, specifically to allow the past due payments to be deferred with XXXX interest on the back of my loan. The representative hung up in my face twice today stating that I already have a forbearance which are the results of my modification application.

Company response to consumer: Closed with explanation