BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I began corresponding with XXXX XXXX a manager with National Credit Systems , Inc around XX/XX/2021. This is the time I became aware of a collection on my credit report for an apartment rental in XXXX, TX. The apartment was rented in my name when I lived in XXXX, California. 

I contacted National Credit Systems via telephone and Mr. XXXX returned my call. He emailed me a fraud affidavit to complete and return to him, which I did. On XX/XX/2021 he acknowledged receipt of the completed fraud package. On XX/XX/2021 Mr. XXXX advised me via email that the investigation could take up to 30 days to complete. After receiving another call from National Credit Systems regarding a payment for the debt, I again contacted Mr. XXXX via email asking why his agency was still contacting me for payment. He responded with an email on XX/XX/2021 stating that call was to inform you of the confirmation number for the credit removal. We processed the request for removal please refer to ( AUD # XXXX XXXX as confirmation. 

The collection item was removed from my XXXX  and XXXX  credit report but continues to be reported as accurate on my XXXX  credit report. I have disputed this item three times with XXXX  and every time the dispute has been completed as verified consumer debt. 

I reached out to Mr. XXXX on XX/XX/2021 via email informing him that XXXX  was still reporting this debt on my credit report. He responded on XX/XX/2021 asking for a copy of credit report that still shows the debt. I complied and emailed him a screenshot of the debt listed on my XXXX  report. Mr. XXXX has not responded since that date. I have emailed him several times since requesting an update on removing this item from my XXXX report. 

XXXX  has show no regard for my health and well-being. I have submitted to XXXX  the completed fraud affidavit and the email correspondence from Mr. XXXX but they have three times verified the debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have 10 different line items but with the same type of department which is reporting to the credit bureau. Because of the 10 different line items it is affecting me to the degree it greatly impacts my credit score and prohibits me from being able to obtain an apartment. I have asked the credit bureaus and the creditor to remove the duplicate line items from my credit report which to no avail. So I am filing this complaint in an attempt to have the 5 line items removed from my credit report. Items in dispute are the XXXX XXXX XXXX/XXXX - XX/XX/XXXX - XX/XX/XXXX. And the XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX - XX/XX/XXXX. Both departments are reporting 5 line times but are of the same account. Both department accounts are closed. XXXX XXXX XXXX/XXXX has sold the account to the XXXX XXXX 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 explanation
Consumer complaint received 2017-10-21
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage has been paid in full. I have a cancellation of debt that has been filed with the court since XXXX/XXXX/XXXX by the original Grantee. The mortgage company has me delinquent since XXXX and is trying to foreclose on my home when the debt has been satisfied. Their attorney keeps sending collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: EQUIFAX, INC.
State: NV
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 an account with XXXX XXXX XXXX and there was an agreement with the company that they would report the account as paid as agreed with no derogatory information. A conference call was made to the home office upper management and they indicated they would send the information to the bureaus. I thought this would have been resolved already. When I received a copy of my credit report it was not resolved. I then had the account disputed in hopes Equifax would contact the company and the company would confirm the payment history should be corrected. Apparently this was not done or the response I received from Equifax would have reflected the correction. This would indicate to me and anyone else Equifax did not contact the company and investigate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent my letter off on XX/XX/XXXX. I was told the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. 

According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. 

I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX and the balances are not reporting the same across credit bureaus. Also the reporting originator creditor name are not matching as well. According to Annualcreditreport.com the item is estimated to fall off of my report on XX/XX/XXXX Ive sent out 4 dispute letters over the course of 1 year and these issues has yet been resolved. 

*Account Open date is wrong * Original creditor name dont match across bureauXXXX *Reporting balances does not match across bureaus Accounts XXXX XXXX XXXX Account XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX - XXXX U XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - 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 non-monetary relief
Consumer complaint received 2021-04-14
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:
I have attached proof that this account did not belong to me. My husband purchased A vehicle from XXXX XXXX XXXX back in 2018. The loan officer somehow added me to the loan which I was not suppose to be on. XXXX XXXX XXXX was notified and said they fixed the error and completely removed me from the account as it was not my loan nor did I sign or agree to the loan. My husband settled the balance on the account and they closed the account and added the account to my credit file along with his. This year XXXX XXXX XXXX sent A 1099-C ( Cancellation of debt ) to my husband XXXX XXXX and I have attached this as proof that I was not on the loan. XX/XX/XXXX and Equifax have all refused to remove this inaccurate account from my file. The attached 1099-C shows the name and account number which can be confirmed is the exact account that is listed on my report with my name in error. Please have this account completely removed from my credit file as it is not mine and proof of whom the account belonged to is attached with IRS FORM 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/2019

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 2021-07-22
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX I made an online purchase of an appliance through XXXX XXXX and Kitchen appliance store. Due to Covid they were unable to get this appliance in stock so they issued a refund to me inXX/XX/XXXX. I had since then changed banks and closed my checking account down so they were supposed to send me a check but instead refunded the money to my closed account via PayPal since that is how I had paid for the item. PayPal then tried to refund the money to my closed XXXX checking account and it was automatically rejected and returned to PayPal on XXXX XXXX. The amount is for {$2600.00}. Both companies are now telling me that they do not have the money and there is nothing they can do for me beyond their original researching to tell me they sent it to the other party. 
I was provided a transaction ID from PayPal showing they sent the money to XXXX and XXXX said their system can not accept money on a closed account so they dont have a way to generate ID numbers on an action that wasnt taken. The money never reached my account and showing PayPal my bank statement hasnt been enough to prove them that XXXX isnt still holding on to the money. They will not investigate further till I have proof from XXXX that they do not have the money and XXXX is telling me they dont have any way to prove that. Neither company seems willing to go beyond the basic glance at my account before blaming the other party. 
On XX/XX/XXXX I initiated a conference call myself and had both companies on the phone and theyll by the end of the call XXXX was to do more research and see if they could prove they didnt have the money in a way that would make PayPal happy and PayPal will do nothing till they hear from them. 
I called XXXX again on XXXX and was told they could do nothing for me and to take it up with PayPal, who is also doing nothing to find this money. Im not sure what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: AR
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 started asking for reinvestigation on accounts in XX/XX/XXXX and I received a letter on XX/XX/XXXX that XXXX of the accounts that I told was not my accounts was deleted. I spoke with a consumer law professor and he told me to send it again and i did but nothing changed. I have been reporting these same accounts since XXXX and it is now XX/XX/XXXX and they are still reporting the accounts. I also filed an identity theft report with the FTC and also sent the XXXX a signed FTC report which was notarized and mailed first class mail, certified return receipt. The company then sent me a letter saying that I need a police report but XXXX XXXX ( A ) states provide FTC Identity XXXX Report, Identification, and confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. So now it's clear that they are continuously violating my consumer rights. In XXXX they sent a letter that said that they couldn't verify my identity and asked for the same identification that was sent and the next day I received a letter and email telling me that they verified the accounts. So you verified the accounts after you stated you couldn't verify me, The XXXX, natural breathing person, and XXXX XXXX? That alone makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A Bank of America representative called me in early XXXX for the purpose of collecting a debt owed on credit card number XXXX. The representative offered to settle the amount owed for a payment of {$9400.00}. I told the representative that I needed to think about the offer and was told that the offer was good through the end of the month. I was also told that I should make a payment before the due date on the account and that anything I paid would be applied to the settlement if I decided to settle before the end of the month. I made an electronic payment of {$3000.00} a few days later and called BoA on or about XXXX XXXX to finalize the settlement. During the call it was determined it the Bank of America representative needed to speak with my wife, the co-account holder. At the time I was away from home so speaking with my wife was not possible. However, I told the representative that I would at home in approximately 10 days and could call back at that time. The representative said that would be acceptable but informed me that I had to conclude the settlement prior to the end of XXXX. On XXXX XXXX at approximately XXXX XXXX CT, I called Bank of America Collections Department to conclude the settlement. The representative with whom I spoke said that even though I had made a payment of {$3000.00}, the settlement amount would be the entire {$9400.00} instead of {$6400.00} ( $ XXXX {$3000.00} ) as earlier stated. I asked the representative if there was documentation in my account file supporting my claim that only {$6400.00} was needed to settle. The rep acknowledged that there was such documentation but that BoA was no longer honoring the offer. I told the rep that this constituted trickery by BoA and that I would file a complaint with the FTC unless BoA honored it 's offer. The rep declined to honor the offer. I request that my account file be subpoenaed as well as the audio recording of the call ( the rep informed me that the call was being recorded ). I consider this to be the ultimate in deceptive banking practices and find it unimaginable that bank of the stature of Bank of America would engage in such practices. Further, I suggest that BoA be investigated for engaging in this practice as a regular collection procedure.

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: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On either XX/XX/XXXX or XXXX, I called this company back to complain about them calling me three times in one day on XX/XX/XXXX when I did not even know what it was in reference to. They told me they were calling about a debt of {$9.00} I owed XXXX. I told them I would call XXXX on XX/XX/XXXX when I next got paid and pay my bill over the phone directly with them. I felt this was necessary to avoid an online phishing scam and because I didnt have the money at the time. I also asked this Radiusglobalsol not to call me back anymore, but they did it again just now, and when I called them back to complain, they answered the phone as XXXX. This is a federal offense known as impersonation for which people can go to prison.

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 2017-10-21
Company: Texas Guaranteed
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These accounts have been consolidated in XX/XX/2014. At no time was I contacted in writing by XXXX XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX   balance, and all in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than XXXX XXXX XXXX. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX XXXX  XXXX, is also reporting multiple loans as 120 days past due and these loans are older than 10 years. 

The United States Department of Education/XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I have recently sent a letter to dispute a medical collection on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation.
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I have requested that this file be removed from my Transunion CB, I received response from Transunion that this account was verified as accurate and updated.

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 2017-10-21
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They called about a debt that was not done by me they said they understood but next day kept calling me and pressing me, i told them the situation and called or something to a Law Firm thats extremely far from me saying they will arrest me if i was pulled over or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I cosigned on a car loan in XXXX the loan matured in XXXX the loan was originally with XXXX XXXX and i recently found out on XX/XX/XXXX that the loan was transferred to West Lake PM on XX/XX/XXXX after the maturity date for an outstanding balance. Like i mentioned im the cosigner on the loan. When the loan was with XXXX XXXX they would call me or send a letter if the payment was late so i could fulfill my responsibility and bring the account current. I thought the account was closed since the maturity date had passed, and i didn't receive any request for payments from XXXX XXXX. I applied for a construction home loan and was surprised when i was told about several late payments that were on my credit report. I filed an complaint with cfpb and West Lake PM suggested that i file an identity thief claim but i was advised to dig deeper by legal council. I finally called West Lake PM and after 5 min or so i got a supervisor that was able to tell me what was going on. That's when i was informed that they brought the account and the same terms still exist, the account is past due and thats the reason for the late payments on my credit report. I explained that i have not even been made aware of the loan being serviced by them, they never notified me about anything. The supervisor added another phone number to my file now they have 2 working numbers on file to contact me and agreed to remove the late payments because they had never made contact with me and i had no knowledge about what was going on. Another month has reported and the late payments were never removed. I called them back and a different supervisor told me that no reported information would be changed and if they contacted me or not its my responsibility to find out what's going on with this loan and that West Lake PM is not responsible to notify me that they are even servicing the loan. I don't know how i can pay a installment payment if i don't even know a payment exists. please help

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