BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX  and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

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 2017-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. On XXXX/XXXX/XXXX, I noticed a collection account listed on my credit report for {$4000.00} through the XXXX  credit reporting agency. 
2. I have contacted the original creditor ( XXXX XXXX ) and could find no evidence of any sold balance for {$4000.00}, which is a violation of FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt. 
3. The information has been reported to XXXX credit bureau as a 1 month term account, which is an FDCPA violation. FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt.
4. The information has been reported to XXXX credit bureau as a closed account when it should be reported as a collection account, which is another violation of FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt. 
5. Portfolio Recovery Assets has engaged in collection behavior that violates the Texas Finance Code Sec. 392.302, subsection 1 and subsection 4 by engaging in a large amount of repeated phone calls in which the caller does not identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 canceling credit monitoring or identify theft protection service

Complaint:
Transunion is difficult to cancel and requires you to spend a long time on the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, son and authorized to speak on my Mom 's behalf. On XX/XX/18 my Mom, XXXX XXXX sent a check for {$2500.00} for the mortgage. I contacted Mr. Cooper about setting up a repayment plan on XX/XX/XXXX. I was informed by the representative that they haven't cashed the check as of XX/XX/18. The loan # is XXXX. I would like to have a better understanding about how the repayment plan will be set up and if payment can be set up so we can get back on track with the mortgage? We are really trying to keep our home, my Mom has XXXX XXXX XXXX and she is XXXX years of age. Can we have a payment restructured so that the home mortgage is caught up? I can be reached at XXXX or XXXX XXXX 's # XXXX. Thank you! XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: National Collection Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have paid this account in full as I thought it would resolve the issue of it reporting on my credit. I looked into this account further and found out that this is not even my account and I tried disputing it but the credit bureaus never even looked into it. There was no dispute verbiage ever placed on my credit report. I want this collection disputed as this collection does NOT belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Experian Information Solutions Inc.
State: TX
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:
Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it 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 ( Original Creditor : 08 XXXX   XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX   XXXX XXXX ) XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: WI
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 been disputing inaccurate information on my credit report with XXXX, XXXX  and Equifax and on several separate occasions they take longer then the 30 days to process the disputes and have all told me if the creditor says its valid they will not remove the information even though the creditors can not and refuse to provide documents to myself or any of the credit bureaus validating the debts. 

Ive requested debt validation paperwork and written information to be provided to me in regards to their reasoning for denying my dispute and they refuse to send me information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 been disputing inaccurate information on my credit report with XXXX, Transunion and XXXX  and on several separate occasions they take longer then the 30 days to process the disputes and have all told me if the creditor says its valid they will not remove the information even though the creditors can not and refuse to provide documents to myself or any of the credit bureaus validating the debts. 

Ive requested debt validation paperwork and written information to be provided to me in regards to their reasoning for denying my dispute and they refuse to send me information.

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 2017-07-01
Company: JPMORGAN CHASE & CO.
State: VA
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:
As early as  XXXX   XXXX ,  2016  I disputed the accuracy of the reporting of  XXXX  Chase credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,  2016 .   XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This has been going on since   XX/XX/XXXX . The loan just keeps getting larger and larger. I was set up with a 20 year repayment plan. That on  XX/XX/XXXX  w as told by nelnet servicer that it has started again. I still have 20 years to repay a fraudulent loan and it 's at  XXXX  now. This is abvously a scam I do n't intend to pay and rightfully should not. I 'm tired of the harassment and billing. I do n't trust the school or the servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2017-10-23
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX XXXX I decided to take a loss mitigation option provided to me by my mortgage lender Ditech. I applied for a short sale on my home. I then called every week to see how the process was going and was told by numerous reps that my application was in process and even received a letter saying so. In the first week of XXXX I called up and was told that my application was incomplete. I asked why everyone else told me it was in process and the rep had no answer for me. I then decided that because I had not received any interest or offers on my property that I would file an application for a deed in lieu at the end of XXXX. I called up Ditech spoke with a representative that told me all I had to do on my application was say that I wanted to vacate the property instead of sell. I did this and got my most recent pay information and resubmitted the application. I called every week for a month again and was then told at the end of XXXX that no one ever received my application, even though for the last month 4 different reps told me that I was in process. Furious, I asked what happened and was told that they never closed out my short sale app and that the other reps should ve done that. I re applied again for a deed in lieu in the beginning of XXXX. Again I was told for a month and a half that I was in process and then I began getting calls about flex loan modifications for my mortgage. I denied this option every time I was called but I nothing something was not right. On XXXX XXXX I spoke with a rep named XXXX and he advised me that my application for deed in lieu had not been reviewed because no one removed the flex loan modification so I could not even be considered for a deed in lieu. Finally he took down the flex loan modification and I re applied for a deed in lieu again. At the end of XXXX I was assigned a new account rep by the name of XXXX. She assured me that the application had been loaded into the system and was being reviewed. On XXXX XXXX I called and spoke with a rep named XXXX and she had told me that I never applied for loss mitigation assistance and that my app was n't in process and that XXXX was n't even in the loss mitigtion department. She reviewed my application and said it was incomplete again. Every time I talk to someone they tell me something different to do. No one ever tells me the truth and know I am headed towards foreclosure. Today I am applying for a deed in lieu for the fifth time. I have had it. Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$52.00} XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00}

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 non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2017-10-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We got our washer and dryer through XXXX XXXX in XXXX, TX., and originally it was financed through GE Capital . Synchrony bank took the account over, and then sent it over to a debt collector. We did NOT receive notice of right to dispute, not have we ever received enough information to verify the ALLEGED debt. Honestly, we have not received a statement from them in over 5 years, 3 months now. I just got off the phone with them, and I asked them when the last time I made a payment was. The guy I talked to on the phone stated it was on XXXX XXXX, XXXX. 

THAT WAS AN OUT RIGHT LIE BECAUSE IT 'S NOWHERE ON MY BANK STATEMENT! 

THE LAST PAYMENTS I SEE FOR XXXX XXXX, WAS BACK IN XXXX, AND THAT 'S THE ONLY YEAR I SEE PAYMENTS FOR XXXX XXXX EVEN LISTED. The guy I talked to said that the amount was {$200.00}. SO, I SEARCHED FOR THAT AMOUNT ON MY BANK STATEMENS ON THE DATE HE GAVE ME, A {$200.00} PAYMENT WAS NOT LISTED ON THAT DATE, ANYWHERE IN THE MONTH OF XXXX. THERE WAS HOWEVER, A DEPOSIT {$200.00} MADE ON XXXX/XXXX/XXXX. 

THEY HAVE NOT BOTHERED TO GET IN TOUCH WITH ME IN OVER 5 YERAS NOW, NO CALLS, NO STATEMENTS, NO CONTACT WHAT SO EVER. TEXAS HAS A 4-YEAR STATUTE OF LIMITATIONS FOR DEBT COLLECTIONS, THEREFOR THE ALLEGED AMOUNT IS HEREBY TIME BARRED, WHICH MEANS THEY 'RE TRYING TO COLLECT ON A ZOMBIE DEBT, WHICH BY THE WAY IS ILLEGAL! FURTHERMORE, THEY HAVE EVEN ILLEGALLY RE-AGED THE DEBT TO THE CREDIT BUREAUS AS IF WERE NEW! 

AND, WHEN I CALLED THEM TODAY, I AKED THEM TO SEND ME STATEMENT COPIES OF EVERY PAYMENT THAT WAS EVER MADE, FROM THE TIME THAT I OPENED THE ACCOUNT IN XXXX, UP UNTIL NOW, AND THEY REFUSED TO DO SO! THEY TOLD ME THAT THEY COULD N'T DO THAT. WHY? 

BECAUSE IT 'S A ZOMBIE DEBT, AND THEY KNOW THAT THEY CA N'T LEGALLY COLLECT IT? 

WHY CAN THEY NOT SEND ME STATEMENT COPIES? 

ARE THEY AFRAID THAT I MIGHT FINE OUT WHAT 'S REALLY GOING ON? 

LIKE HOW THEY ARE RE-AGING THE ALLEGED DEBT SO THAT IT CAN GO ON MY CREDIT REPORT? 

OR THAT THEY LIED ABOUT WHEN THE LAST PAYMENT WAS MADE? 

OR IS IT BECAUSE IT 'S A ZOMBIE DEBT, AND THEY KNOW THEY CA N'T LEGALLY COLLECT THE ALLEGED AMOUNT THEY CLAIM I OWE? 

HMMM, SOUNDS A LITTLE FISHY TO ME!

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 2020-10-08
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my credit report, XX/XX/XXXX a account was open in my name for the amount of {$340.00}, I call the crediting company and collection and they said they have no account on theyre system, The same for a account with XXXX  XXXX  XXXX XXXX, Two Accounts were opened, I have no Knowledge of and nether does the creditors or  collections have anything on their systems on XX/XX/XXXX the accounts were opened for the amount of {$720.00} and {$800.00} ( I was XXXX  on that date )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 CAPITAL ONE BANK USA N XXXX ... XXXX  XXXX ... XXXX XXXX XXXXhat 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 2017-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My bank will not send requested information to a company requesting it ..in a timely manner. This is causing issues with returned checks and nsf fees. Also my bank is returning items when my account has the money to cover it and then charging me fees for them being returned. They do not show the items being returned but show the fees for the items in my account activity. I have also disputed a charge and have had to call them twice about it and still nothing has been done and the charge was done I believe on XX/XX/XXXX to a card that was reported stolen and no longer active. I 'm still waiting to hear from someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, is the collection agency that is insisting they are correct, when they 're not. My business XXXX XXXX is a corporation # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my business. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: CO
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 federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. And all listed collection accounts listed above should be removed from my credit profile immediately.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written consent or instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That 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 convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation