BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion and XXXX Credit Reporting Agencies are not reporting my current credit information to those that are requesting credit information from me, who I have allowed to gain such information to obtain a service from those requesting credit information. Also, I have sent by mail via certified receipt numerous of time to have my personal information change to current information and to correct and update all discrepancies in my credit report. 
Please, I would like my credit report from all credit report agencies to report current and accurate credit report about me. Please, advice. 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 2016-11-30
Company: Clear Debt Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid through debt consolidation and CDR Associates. They keep calling my work and will not listen to me stating that I have paid debt. They are threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
should be removed .. date with red on my student loans is not true, I had always remained in contact with the reporting agencies, and they said they will remove the delinquent status.

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 2015-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent XXXX And TransUnion multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Diversified Consultants has listed a collection account on all XXXX of my credit reports that does not belong to me. I sent them notice asking for validation and proof bearing my signature that I signed up for a contract with XXXX that shows me being liable for the account. They have failed to provide such proof and now have reported this account on my credit reports causing harm to me. This reporting is a violation of my right under FCRA as they have not provided me with proper documentation prior to reporting this account nor proper documentation proving this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was issued a USAA credit card without requesting one. Now it is on my credit report. I call USAA to ask them to close and tell them that I did not open the account. I was put on hold and transferred 3 times. I finally had to hang up and try calling back. The Fraud Detection line, answered XXXX, said the wait time was XXXX hours. So I ca n't even find out how the account was opened or have them close it. The XXXX people I talked to said that they did n't have the authority to close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I noticed in 2015 I had a debt {$940.00} on my credit report with XXXX XXXX. I 've never had such debt, I disputed the debt, contacted XXXX around XX/XX/2015. I was told it would be taken care of as soon as possible. So On XXXX XXXX, 2015 it was removed from my credit report. Starting around XX/XX/XXXX - XX/XX/XXXX I was harrased from by XXXX, threathen to ruiun my credit, and talked to in a demeaning way. I noticed a month ago the same debt is back on my credit report {$940.00} XXXX XXXX. I 've had some other unusual incidents that raise red flags for me, like getting a lot of mail from target, scholorship funds, in someone else 's name who lived next door. A employee from XXXX call my recently asking for me using my middle name, stating that someone left their phone in the store, I was puzzeld so I ask question but the employee became uninterested. I also had small charges appear on my back account. I 've had fraud alerts placed on my reports. All my identification was stolen from me and a police report was taken by the XXXX XXXX in XXXX XXXX, XXXX I do not and never owed any cable company that amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Credit inquiries were removed from my Trans Union credit report and then they were all added back which is against the law. I 've reached out to them to ask them to remove all inquiries and I have not had any success. Thanks in advance for your 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 non-monetary relief
Consumer complaint received 2017-02-08
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received first correspondence around XX/XX/2016 for an alleged debt for XXXX. I immediately responded and disputed the debt as well as requested " validation '' or proof of alleged debt. A week or so after I received a blank invoice from collection agency holding supposed " debt '' with a total balance due - No line items or explanation of what the amount due was for. I then responded requesting evidence of debt rather than a blank invoice with no line items or proof of debt. The representative assured me that this " debt '' would not be reported to the credit bureaus until I received some sort of validation explaining services rendered or detailing what charges occurred for me to be responsible for this debt. 

I received no further correspondence until I learned that this company has since reported this " debt '' against my credit and my score has since dropped XXXX points. I then called yesterday, XX/XX/XXXX requesting explanation of this behavior and why I was not contacted with further proof of supposed debt. I was quickly transferred to their collections floor manager ( XXXX ) who could not explain why they had illegally reported against my credit and seemed to not be interested in answering any of my questions. He seemed to have a tenuous grasp of his credit reporting procedures and instead of answering my simple questions he decided to call my questions " contradictory ''. He curtly advised that I call another department for explanation of this. I believe he knew his agency was in the wrong because he kept trying to push me off of the phone. When I finally asked him point blank if he has the power to delete credit accounts that have already been reported he abruptly hung up on me, which I obviously found to be very rude, instead of attempting to help me in any way. Or explain in any degree of detail why I had not received any proof of debt. They should have not reported this supposed debt while it was under dispute. 

All calls are claimed to be recorded and I have responded quickly to any attempt to collect this " supposed '' debt. I am contemplating retaining legal council to deal with this problem because the agency in question seems to not want to adhere to the strict laws that protect consumers like me. This process has caused me a great deal of stress and mental anguish as well as affected my otherwise impeccable credit record. I feel like I have exhausted all avenues that are available to me as a consumer and this is my last effort before retaining legal council. 

Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
In XXXX 2014 I purchased a new vehicle. The auto dealer brokered financing for a car loan. Now I am attempting to purchase a home and can not obtain a mortgage because I have over XXXX hard inquiries on my credit reports from all XXXX agencies. 
Capital One Auto Finance pulled my XXXX, XXXX and XXXX credit inquiry on XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14 and XXXX/XXXX/14. XXXX inquiries in XXXX months on all three reports? How is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Ability Recovery Services, LLC
State: CA
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:
I have been attempting to work on my credit for nearly 2 years now. I have been contacting creditors who I owe money to to try to pay what I owe. There are however a few creditors who are attempting to collect money from me that either I do n't owe or am unsure that I owe the amount they state I owe. Ability Recovery Service is XXXX of the collection agencies who say I owe money I am unsure I owe. 

Ability Recovery Service popped up on my credit report about a year ago. Well into the process of me rehabilitating my credit report. At first I attempted to dispute the account because The amount they were showing was outrageous. When I received investigation results from the XXXX bureaus stating this debt was " verified, '' I decided to contact Ability Recovery Service. At first I tried simply asking the representative at Ability Recovery Service for an itemization of the charges. However, when he told me that they added a {$600.00} collection fee I was furious. 

I argued with the representative as the amount they were trying to collect was {$3200.00} therefore nearly a XXXX of that balance was just a collection fee. Since I was now sure that there was definitely something odd going on with this account I asked for an actual itemization of the debt and gave them my e-mail and my fax to forward it to. I also asked for any original contracts and signatures they had on this debt. That conversation was back in XXXX of 2016. When I did n't get the documentation as I was told I would, I called again. They claimed they sent it. However, because it was supposed to be sent to me by e-mail or fax, I know for a fact that it was never sent as I never received any documentation from them. I even made sure to check my spam folder. 

After waiting patiently for documentation that never came, I then decided to send them a written request for validation which I will attach a copy of to you. This was done XXXX XXXX of this year. We are now in XXXX XXXX of 2016 and it 's been 90 days since my original request and XXXX since my written request. Ability Recovery Service has not provided me with any proof of debt yet they are still reporting this on my credit report as a collection. This is a clear violation of collection and credit reporting laws. 

Since I have been working so hard for years now attempting to fix my credit I am beyond outraged that this company would collect and credit report a debt they ca n't prove I even owe. If they continue to do so without providing me any proof of debt then my only recourse would be to simply sue them. I am hoping that I wo n't have to go trough a lengthy court case over something which should be obvious to a trained collection agency. Either provide me proof of debt or stop collecting and reporting it. Please assist me in this matter before I have to sue. 

XXXX University is the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
disputed a debt on XXXX report, called Hospital to get information about debt. asked if they used a XXXX. in XXXX from XXXX XXXX XXXX, Hospital staff connected me directly with a company that handled collections for XXXX. ( XXXX XXXX ) ... they said they had no information on me. XXXX report showed Commonwealth Financial as collector. Got # called them told me by phone debt was {$170.00} & service date was XXXX/XXXX/XXXX @ XXXX XXXX XXXX Hospital in XXXX XXXX ( never been in that Hospital ) I was seen in ER @ XXXX XXXX XXXX. in XXXX on XXXX/XXXX/XXXX & admitted. @ time I had XXXX insurances XXXX & XXXX ( was in process of filing for XXXX ) & Insurances paid bills in full ( {$0.00} balance ) Collection Co. just seemed to make up a balance? Lied to me about amount ... Person I spoke w/ a collections is XXXX XXXX Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ext XXXX ) I asked for letter for validation w/ date of service/amount/date of last activity/etc ... ( He pretty much told me He 'd send their standard statement ) would not tell me what info would be on it ... The {$170.00} is bogus & 2 years different on date of service. Seems like a case of FRAUD to me??? Tomorrow I 'll mail a cease & desist letter w/ a request for Validation letter ... Filed a complaint w/ XXXX as well. will gather supporting evidence from hospital & Insurance companies. We 'll see if I 'm sent anything from them? Want this removed from Credit Report. Seems like my credit report is full of mistakes ... lodged other disputes. I do n't have perfect credit & do n't claim to be a saint ... BUT WRONG IS WRONG. I 'm trying to repair credit ( I do n't need errors/fraud, to make it any harder than it already is. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
*Complaint number XXXX of XXXX My credit report shows collections accounts that seem to have been unlawfully re-aged by the collection agencies and law firms that hold the debts. 

In XXXX XXXX, I had an emergency hospital stay and did not have insurance, so I was billed for the stay. The bill was split up into at least XXXX different collections accounts for varying amounts between {$100.00} and {$2000.00}. XXXX of the XXXX show dates far later than XXXX XXXX. 

Those items are : - XXXX/XXXX/XXXX : XXXX - {$1900.00} - XXXX/XXXX/XXXX : XXXX - {$100.00} - XXXX/XXXX/XXXX : XXXX - {$980.00} These debts were all incurred in XXXX XXXX, but the date of last activity for each of them incorrectly indicates a much more recent date. I have had no contact with any of these creditors and have taken no action that would result in a new date of last activity. I feel that these accounts are being re-aged as an attempt to circumvent the statute of limitations set by federal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On XXXX/XXXX/2016 I, in writing and fax to Experian requested them to update my personal information to my current address to XXXX XXXX XXXX, XXXX XXXX, CO XXXX. I requested Experian to remove all the other addresses off my report. They are not correct. They have failed to do so! 
Furthermore, I enclosed my Social Security Card, Passport, and Proof of Residence with my request.

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 2015-03-27
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I called commonwealth financial at XXXX CST on XXXX/XXXX/2015 The agent said thank you for calling commonwealth asked me how I was, I responded I was blessed could n't complain. I then proceeded to advised i had paid the balance of XXXX through the automated system and that I was requesting my release. The rep proceeded to say you balance is XXXX dollars to combat me, without verifying my identity or giving me the mini miranda, both against the fdcpa standard. When I advised the rep of this the rep hung up in my face. I called and requested a manager so that I could advised I would be reporting the incident.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian refused to communicate with me via email ( please see attached ). I think this is a deliberate attempt by Experian to shield itself from valid inquiries and questions ; to limit my access to information ; and to force phone calls to persons who are undertrained and/or morons and/or having me waiting " on hold '' for extended periods of time. There is no valid basis not to communicate by email, and in fact it has the favorable effect of having a written trail of what is communicated.

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 2015-08-26
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am XXXX XXXX I have never lived on XXXX XXXX in ohio please my ex husband married someon that lived there it is not me. her name is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted my mortgage company in XXXX to seek assistance in avoiding going into default on my mortgage payments, or worst case losing my home. I purchased my home in XXXX and lived there until I XXXX. I was able to rent my home the entire time I was away and once I returned the renters decided to XXXX to a different state. From XXXX of XXXX until XXXX of XXXX I was not able to rent/sale the home. I had applied for a Hardship loan modification and was denied, then I tried to short sale and was denied, and finally after applying for a Deed -in- Lieu, I was again denied. The home was finally rented in XXXX of XXXX, but the mortgage company moved to foreclose on my home. I had to hire a third party home assistance company to assist in saving my home from foreclosure. The night prior to my home being sold ( with renters living inside ), the third party I had hired stopped the mortgage company from foreclosing on my home, due to my XXXX XXXX status. I was then notified by the third party company I had hired that a loan modification had been approved and that my new loan payments would begin XXXX XXXX XXXX. I had not received any documentation or correspondence confirming this approval, so I contacted the mortgage company to confirm the approval and to confirm payment. I was not able to reach my case manager for this company and I was told by another loan officer that the loan modification had in fact been denied, due to no response on my part. I contacted the third party company with this news as well as my attorney and it was discovered that the mortgage company had NOT sent out the proper documentation for the loan modification and no contact had been attempted to reach me or the third party company that I had hired. The mortgage company, after being confronted with all of this recognized the failure on their part but still has not taken my home out of default or sent confirmation of the loan modification approval. I have contacted my VA loan representative in this case and to date, the mortgage company has not sent in any updates or record of my XXXX payment which was received XXXX XXXX XXXX. I still do not know that confirmed status of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has filed a " Collections Account '' on my credit report for {$78.00} for XXXX XXXX communications company. I am unaware of what this account is, and the last time I had dealings with XXXX XXXX was over XXXX years ago. I have received no contact from this company and my understand is this would be outside the statute of limitations and they should not be reporting this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
We purchase a XXXX Fleetwood motor home from XXXX 's RV last XX/XX/XXXX. 
XXXX RV issued us a loan through Ally Bank. A couple of days after we took possesion of the RV XXXX went out of business. Our rv was a trade in and XXXX never paid it off to XXXX XXXX XXXX. XXXX put a lien on it and for over a year now we have n't been able to register it. Ally bank has done absolutely nothing to help solve the problem. We have been paying Ally Bank every month for something that we ca n't use. They have no title for this Rv. We have vacations coming up in which we put deposits down last year and unless this gets resolved very soon we will not only be out the deposit money but also wo n't be able to use the rv we are paying for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Attempting to get my excess Escrow balance refunded to me. Current balance : {$1500.00}. Required Cushion/Minimum Balance : {$300.00}. Company admits there is a problem, but will not release funds.

Company response to consumer: Closed with explanation