BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing with XXXX AR XXXX and Transunion and XXXX since XXXX of XXXX. This is now XX/XX/XXXX. On XX/XX/XXXX I sent a debt validation letter directly to the collection agency for the debt they are claiming I owe. I never received satisfactory tangible information that I requested which included the original bill of sale, the contract from the original creditor with my signature on it, the contract between the Original Creditor and the Collection agency for proof that they are able to collect on their behalf, and proof of licensure to collect on this debt in my State. I did not receive anything from them to satisfy my requests. After 30 days I disputed the information with the credit bureaus Transunion and XXXX. Included in my disputes with the bureau 's I pointed out the FDCPA violations that XXXX has committed on my credit profile. One of the many violations of the FDCPA; was the re-aging of this debt by XXXX. The debt has been re-aged by 3 years without any payment activity or promises to pay on my end ; I also showed proof that the Date of Last Payment has not been listed ; And even after the letter I sent directly to XXXX in XX/XX/XXXX, they never updated my account to " in dispute '' nor did the Bureau 's. XXXX has failed to provide me with the proof I requested in the allotted time frame. They have negligently reported inaccurate inconsistent information to the credit bureaus and the credit bureaus have failed to conduct a full thorough reasonable investigation since they have let such violations in inaccuracies to continue to be reported on my credit profile. This account needs to be removed immediately from my credit profile. My next step is to file a complaint with the XXXX and the FTC before finally starting litigation against XXXX, Transunion, and XXXX for their negligence.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: MI
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'm writing this letter to delete and correct some personal information that is damaging my credit report and is NOT permissible by law, because it is not my information, and it SHOULD NOT be on my credit report. My current and only XXXX is XXXX XXXX XXXX, XXXX  XXXX. My current and only telephone number is XXXX. I ask you this one and final time Please remove all of these incorrect and erroneous items that does not belong on my credit report, and that is not aforementioned above.

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 2020-03-25
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After being approved for a modification on XX/XX/XXXX i attempted to make a payment online. I received a message stating unable to process online payment at this time. I received no confirmation number or email Since my payment was due i made a payment via PHH online. On XX/XX/XXXX the payment I attempted to make online was deducted from my checking account AFTER the website told me I could not. I attempted to call PHH to inform them. I was transferred all over for about an only to be disconnected twice. When I messaged them through XXXX I was told there were issues with the website and or the wording of they payment denial issues, and they would have someone from their escalation department call me. I also asked I asked for a refund i was informed they would have to mail me a check they were unable to refund to the how they payment was issued they could not say when but they would try to speed up the process I was refused the opportunity to speak to a manager. I then sent a check overnight to PHH for my mortgage thinking that would receive the other one back. PHH mortgage advised they receive many calls about this issue I was denied a contact number for there corporate office and could only be provided a mailing address or fax. 
On XX/XX/XXXX I discovered PHHs online system stored my information and put the transaction through instead of returning the payment as I was promised. I immediately stopped payment on the other check, and now they are harrassing me for it. 

They also claim Im behind on my payments despite repeated proof and they still deny it. They have ruined my credit by reporting late payments i was never late on because of their error. 

They also forged my fathers name on a mortgage document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: First Data Corporation
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a XXXX and leased a credit card machine the business was n't doing well and had to be closed. I was told that if I returned the equipment everything would be fine so I did. I was never told that I would be responsible for paying for the equipment even though it was returned to the merchant. The company first data has this account on my credit report and it 's affecting my ability to get a mortgage. Please help me remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Dynamic Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX, 2015 at approx. XXXX I got a robocall from an alleged debt collector from Dynamic Recovery Solutions. I 've never heard of this company nor do I have any debts. 

The robocall asked me to call XXXX. Suspecting a scam, I did not call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-03-08
Company: Simon's Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request. 

RE : Account Number : XXXX Balance : {$13.00} Original Creditor : UNIVERSITY XXXX XXXX / Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$360.00} Original Creditor : XXXX Account Number : XXXX Balance : {$200.00} Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$920.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : UNIVERSITY XXXX XXXX /

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midwest recovery did not send me a letter regarding this with XXXX. This is over 4 years old and they can't try to collect or put it on my credit file and here they did without giving me a chance to dispute it. I don't think its right for them to treat people like this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from CENTRAL CREDIT SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL CREDIT SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened a loan with  XXXX  in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.

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 2017-05-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened a loan with  XXXX  in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.

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 2015-08-25
Company: Accredited Collection Service, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i received a collection notice dated XX/XX/2015 back the beginning of XXXX 2015. They demanded payment on behalf of a company by the name of XXXX XXXX XXXX. I have never heard of this company, so on XXXX XXXX, 2015 I sent a written request for validation to ACS, in the return envelope they provided, and the first class postage I provided. On XX/XX/2015 I received another demand for payment, by they have yet to honor my request for validation of the debt they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: First Credit Services Inc.
State: FL
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 was received a letter from the " FIRST CREDIT SERVICES '' stated that I owed {$370.00} to XXXX XXXX XXXX XXXX FL Original Creditor that I have 30 days to answer. 
I send a letter to dispute the validity of the account before the XXXX day notice. I did not received any answer from FCS. Then I received a notice from XXXX XXXX stated that FCS sent my account toXXXX. They did not give me any chance to negotiate with them before sending my account to Credit Bureau Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This credit derogatory mark is not mine

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 2022-04-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that I never gave authorization for. During the past two years, going through the pandemic, I was not applying to run my credit anywhere. but I see here on my credit report, that the entire year of XXXX my credit was ran almost on a monthly basis by various companies. That continued through XXXX and even XXXX already. Some of these are the same company, running inquiries on my credit multiple times throughout the years. Some, I noticed even ran my credit twice in the very same date. This was done without my authorization and without my knowledge. This is practically warfare on my credit by these strange companies and the amount of inquiries is shocking. I should have XXXX inquiries on my credit from XXXX to now, because I did not apply for anything during that time period. I did not give permission or request that my credit be ran for anything. I was not authorizing inquiries of any kind from XXXX to now. I am just now finally going to use my credit after having recovered from the pandemic and concerns about the wars starting overseas impacting our country financially. Having decided to now use my credit towards purchasing a home and starting a business, I was shocked to find my credit being abused by companies that had no authorization from 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, 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:
This does not belong to me I have no debt with XXXX, I currently have XXXX and worked for them 8 years and have had my account ever since. Please remove this from my account immediately. Its shows it was opened 3 months ago this is definitely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My father provided me with with a down payment for a house on XXXX acres of land in NH. My mortgage loan was approved for {$150000.00}. After the mortgage loan was approved, the seller stated that he would only complete the transaction if an additional XXXX acres was included in the sale for an additional {$60000.00}. We made a sales agreement for the additional land and paid for it directly to the seller. At the closing the mortgage and deed included the dwelling and the entire XXXX acres. The closing process should have deeded the dwelling and XXXX acres to me as approved on the mortgage application. The additional XXXX acres should have been deeded to my father and mother because they purchased that parcel of land on a cash basis. The original mortgage was held by " Country Wide ' but is now held by Bank of America. Bank of America will accept an application for release of the XXXX acres. The request application carries a charge of {$500.00} and only provides a review of the situation. I think it is unfair to have to pay {$500.00} to Bank of America to consider my request. In fact, further review of the attached documents will clearly show the said XXXX acre tract was clearly purchased and paid for in-full at the closing. The XXXX acres of land in question, therefore, should not be included as security on the current mortgage loan.

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 2022-04-10
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX Original creditor : XXXX BANK XXXX AD XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  O Original creditor : XXXX XXXX EXXXX  XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX CREDIT XXXX BANK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-10
Company: World Acceptance 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: Old information reappears or never goes away

Complaint:
This company is in violation on many federal and state regulations. The amount was charged off and should know longer being showing on my credit, as it is past seven years. Of course, the negative collection was removed from my account due to the fact the credit bureau automatically dropped this after 7 years. The company comes back and makes a new charge off amount XXXX. Of course, I have not taking a new loan with company, but they are trying to destroy my credit by reporting inaccurate amounts and dates. I have asked for this debt to be verified to no avail. I have attached screenshots of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
NRA collections company contact me XX/XX/XXXX, I received XXXX letter stating I had a debt. I contacted them and said that I believe it was paid in full. They said put the account in dispute. I never heard from them again. After calling them today, XX/XX/XXXX, they said that I asked that they do not call me, I do not recall that. They turned it to collections, reporting that they have tried to collect it for 7 months. I have never received a request for payment, they did not list on my credit report that this is " in dispute '' as they told me. 

They list it as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' I disputed it, never heard anything else, not one letter or phone call. Now on my credit report showing, very unethical business practices, very rude, very unprofessional. XXXX in the XXXX office was rude and unprofessional. They told me to put it in dispute, I did, and never once contacted me again with verification of debt. 

I requested Name, Address and License Number and they hung up on me. Three times. 

They do not answer their phones, transfer you again and again, hang up while on hold. I was asked repeatedly to be put on hold and no one ever comes back to the line. I was on hold for two full hours today. 

I never received written notice of the dispute verification within the 5 day allowance. 

They listed on my credit report that they have tried for 7 months to collect, they have not tried even once to contact me, and they can not be reached for questions/concerns.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation