BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
State: UT
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 disputed an account that is reporting on my credit in error. This account is negatively affecting my credit and I can not get it removed from my credit reports due to the credit bureaus not conducting a thorough investigation. On XX/XX/19 I mailed a dispute letter for this account that is reporting as a chargeoff/collection and in the comments it states it was sold to a third party collector. I do not know who this third party collector is they are stating now owns the account nor is it even reporting on my credit. In the first dispute letter I asked all three of the credit bureaus to investigate this account and verify it. They keep coming back saying it is verified and updated. I did not ask them to update anything. I asked them to verify it and if they can not properly verify it then to delete from my report. Then I sent another letter on XX/XX/19 on to ask them to re-investigate and send me the information they used to verify the account from the creditor which I received the same result. They did not tell me how they were able to verify the account when the creditor no longer owns the account and they clearly did not conduct a through investigation. I sent a third letter to them on XX/XX/19 telling them they are violating the law by falsely validating this account and not removing it from my credit report. They sent a response back saying they updated more information on this account which is completely inaccurate. I never opened this account and they were not able to send me an original contract with my signature. This one account is causing me to be denied for my business funding and I am beside myself that they can even do this to me and ruin my credit this way. XXXX, Experian and XXXX are not doing their job and this is very upsetting as a consumer.

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 2017-07-25
Company: Experian Information Solutions 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:
This company has inaccurate information on my credit report and I want it off my report. I contacted Experian, XXXX, and XXXX on several occasions more recently on XXXX XXXX, 2017 and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the XXXX XXXX XXXX XXXX that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XXXX XXXX, 2017.

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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hello, I am really hoping that you guys can assist me in removing these negative erroneous items from my credit report. I have reported all of the accounts that were not supposed to be on my report. As a matter of fact I have initiated an investigation more than once with each credit bureau with no response from either bureau. I have several things on my credit which are preventing my family from moving forward in the homeowner process and many other aspects of our financial life and freedom. Please assist me with getting these negative erroneous things removed from my credit as they are accounts that have been falsely reported to 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 explanation
Consumer complaint received 2023-02-28
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 discovered that the same account on my credit report was misleading when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate the same account reporting as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have never been in contract with XXXX XXXX XXXX they are POSING & reporting late payments under false alias Regional Acceptance it is illegal for them to continue to claim or falsify information or threaten me I will be taking legal action if the harassment continues REMOVE ALL LATE PAYMENTS ON 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 explanation
Consumer complaint received 2022-01-24
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I notified the credit card companies after I found out about fraudulent charges on my credit card account. Upon notifying them, they ignored me and continued to pursue collection practices on charges that I did not make. Instead of investigating they continued to try to collect. I would like to pursue them for damages and having a negative reporting history to my 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, I contact AR Resources ( Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX ) to request documentation regarding two charges they posted to XXXX, XXXX, and XXXX. I did, however, provide the XXXX account numbers appearing my credit report, and the agent stopped me after the XXXX digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names. I also informed them that the debt was covered under a Letter of Protection accepted by the original creditor, and I am in constant communication with my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me. Additionally, health insurance was provided at my initial visit to the actual creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ). Neither XXXX, or AR Resources attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in XXXX, but they are falsely indicating that the account open date is XX/XX/XXXX. Furthermore, my attorney XXXX XXXX, has informed me that XXXX has hired debt collectors to go after a number of his active clients and he has personally reached out to them and asked that they cease debt collections, as per the letter of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: EQUIFAX, INC.
State: CO
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:
This is a 2nd complaint against Equifax. I had an incorrect collection with XXXX XXXX on my report that cost me 35 points. I disputed this several times with Equifax, as it was not my debt, and paid to the original provider NOT XXXX XXXX. When XXXX and XXXX   received my dispute, they immediately removed it from my reports and gave me back my points. Equifax has not. When I disputed this through you, they generated a generic response through you to me. Their response does not satisfy me and although this item was IN FACT REMOVED, I received 1-2 points back, not the complete 35 they took away. Something needs to be done as this is definitely not FAIR REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: MO
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:
I am a victim of the Equifax data breach. I am a victim of identity theft. Equifax has not responded within the timeframe given to complete an investigation about this fraudulent account being reported by XXXX XXXX XXXX along with the address they are reporting. This account and address needs to be removed immediately. I have been going back and forth with Equifax for months about this account and its been costing money, time and peace of mind. They need to take this complaint seriously or I will have no choice but to file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions Inc.
State: LA
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 XXXX # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX Ocwen contacted me to modify a loan on a property. I had abandoned the property after my late husband died and my previous loan servicer, Litton, would not consider a modification. So for 2 years the property was vacant. When Ocwen contacted me I was glad they were willing to work with me since the property being abandoned was a source of XXXX for me. I was told I could not apply for HAMP program thus being given a Shared Appreciation Modification. This has two qualifiers- you owe more than the property value and you dont qualify for HAMP . The modification was done at 2 % on {$120000.00} for XXXX payments ( {$730.00} ) ending XXXX. Payments were fine until XXXX I had some financial issues and got behind. So I requested a payment plan and was told I had to modify the loan. The modification terms were 4 % on {$120000.00} of which ( {$19000.00} ) deferred as forgiveness for next 3 years in equal parts RESULTING in NEW principal balance of {$100000.00} for XXXX payments ( {$750.00} ) BUT SOMEHOW there is a balloon payment of {$69000.00} due and to be paid in full on XXXX/XXXX/XXXX. This was a deceptive modification that had unjust costs. At some point my loan was transferred to a subsidiary of Ocwen, PHH now going by XXXX. 

Recently my mother and father died so I needed some assistance. I requested again a payment arrangement, was delayed 3-4 months due to the companys inconsistent contact which caused the amount to surmount. The terms finally being given as 3.625 % on {$110000.00} for XXXX payments ( {$800.00} ) ending XXXX, which has a balloon payment of {$82000.00} at end of term. 

These unlawful practices should be illegal. They are taking advantage of those in desperation. The value of the property is far less than they are asking for the mortgage. This loan started in XXXX at {$94000.00}. Now Im being charged double. 

XXXX XXXX, formerly XXXX XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Midwest Recovery Systems
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: Account information incorrect

Complaint:
My credit reports show a collections account with Midwest Recovery Systems opened on XX/XX/2019 with an original creditor of XXXX XXXX XXXX XXXX XXXX for a balance of {$6800.00}. I contacted Midwest Recovery Systems and the representative claimed that they mailed a notification to a XXXX California address, but I have not resided there for the oast 2 years and have a new address. Furthermore, a notifcation of intent to collect is the only documentation that Midwest claimed to send. I still have not received proof that the account is valid or owed by me. The validity of this account has not been confirmed with documentation. No paperwork has been sent to me at my current or previous address. I am unaware of the account being opened or owed and it appears to be an error. I am requesting for this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Home Mortgage, Reported late payments on payments that were made on time

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 2017-07-25
Company: Receivables Performance Management, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sent a collection notice by XXXX XXXX XXXX for creditor XXXX on XX/XX/XXXX. XXXX showed a debt of {$570.00}. This charge was for final payment on XXXX account for services, plus an additional amount of {$200.00} for the phone and {$27.00} for a lease charge cancel fee. On XX/XX/XXXX, I went to the XXXX store located at XXXX XXXX XXXX XXXX in XXXX, Nevada. I was assisted by XXXX XXXX, a XXXX employee. I returned the phone at that time. XXXX XXXX accepted the phone and reduced the bill in the amount of {$220.00}. I paid the remainder of the bill {$340.00} and was assured that my account was settled. On XX/XX/XXXX, I received a collection notice from Receivables Performance Management , LLC, ( RPM ) on behalf of XXXX, in the amount of {$200.00}. Prior to this action, I had received no notice of intent, no revised billing and no other acknowledgement or communication from XXXX that any amount was still owed prior to the collection notice. On XX/XX/XXXX, I contacted XXXX via telephone. I was advised that I needed to provide either a PIN or give the name of my elementary school for personal identification. I gave the name of my school, as I had not set a PIN. I was advised that the school name I gave was incorrect. I only went to ONE elementary school, and I remember the name clearly. I was not given any information as I could not " prove '' who I was, even though I provided all my details including account number. I was advised to go to a XXXX store and provide 2 forms of ID. XXXX area XXXX stores average a 1 to 2 hour wait. I have advised RPM that I 'm disputing this debt. However, this collection will destroy my credit, with a home purchase planned in less than 2 months. I 'm asking for any and all assistance in resolving this issue. Thank you.

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 2020-04-21
Company: ProCollect, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out of this when I try to buy a house for the first time that I have a dept of XXXX XXXX from a apartment complex in Texas that I rent in XX/XX/XXXX when I never been in that state I ask for the information about the collection and in the contract of the lease of the apartment there is people that I dont know saying that they are my brother in law and I dont have no brothers in law because my wife do not have any brothers. I report and identity theft because that person is not my self because he is working on that state and I live in Colorado seen XX/XX/XXXX. I report to the IRS the identity theft. I make police report. I report to the social security Administration. Y make a report in the federal trade Commission and I reported to the immigration agents and ice.

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 2018-12-03
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During lulls in work with my employer during the summer and fall of 2016, I sought help to keep other bills current by taking out loans against my vehicle and a personal loan backed by the vehicle. As things worsened I was unable to make the high-interest payments on the regular basis they wanted and sought some relief from the loan company. They gave a little relief on some of it, but a short time later XXXX XXXX repossessed my vehicle, selling it to settle my debts, but providing no documentation regarding the proceeds of the sale. They didn't provide any further details or overages, but then started collection action on the remaining loan. 


They later submitted the alleged balance to collection agencies, where it currently resides with XXXX XXXX XXXX XXXX, which is currently reporting false or incomplete information, that doesn't show the original amount, doesn't show the payments I made, doesn't show that they may have been charging more than 200 % interest, nor that the loan should possibly have been paid off from proceeds from the sale of the vehicle. 


I believe that XXXX XXXX 's reporting of this is in violation of my rights, since even if the alleged amount is correct, it is incomplete and misleading since I had made consistent payments to them, and is very negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Mortgage, Reported late payments on payments that were made on time

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 2017-01-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine. I 've been disputing this since it was with Springleaf in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.

Company response to consumer: Closed with explanation