BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Trying to do a short sale on property located at   XXXX   XXXX   XXXX   XXXX   XXXX   NY  XXXX   XXXX  is in  XXXX  condition. Valued at  XXXX .     Bank is asking  XXXX  based on a appraisal done prior to my short sale submission.   When I asked the bank for a copy of their appraisal I was refused. I was told that that was the value and I would have to take their word.   They also told me at a later date that even if their appraisal comes in at a value they do not like they have people that have never looked at the property makings fair market value desicion from behind a desk without even looking ant the property.     I faxed the banks attorney at at   XXXX   XXXX   XXXX   requesting the appraisal and was denied. I believe that they real have no interest in Helping us avoid foreclosure and that they are tolling our account at a high interest rate 8 % .so they can as the servicer use my home as a cash register for their benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX   XXXX  ( AFNI ) have put items on my credit report which are not mine and have refused to answer any inquiries about these accounts. Neither, Have never provided any documentations and I know for certain these accounts are not mine. Please help because I have sent ove r 6 le tters over the last year and no one helps or assists. They refuse to remove accounts which are not mine and violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I received us mail from Transunion Over the weekend claiming that they had verified the late payments for XXXX and the account was reporting correctly, Transunion did not verify anything. On XXXX 2014 Transunion is reporting a 30 day late Here is a copy of my bank statement indicating that I made a {$100.00} payment to XXXX Transunion enough with your XXXX and games remove these late payments IMMEDIATLEY

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 2016-03-17
Company: Clarity Services
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by CLARITY SERVICES on XXXX/XXXX/2016 & XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Coastline Financial Resources, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This is a company that goes by the name XXXX XXXX. They have been harassing my family and my in-laws. They even called my fianc at his place of business. They are threatening to sue me for a debt that is beyond the statute of limitations. The debt is over 8 years old and is no longer on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2017-05-15
Company: D2 Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has been calling repeatedly, not only myself but also calling extended family and friends. When I answered today (   XXXX   XXXX   @  XXXX  p.m.  )  they did not tell me the call was recorded, did not identify themselves by  Company name even when I asked repeatedly. I told them they had some misinformation and the girl w ho said her name was  XXXX   XXXX  but at first told me her name was  XXXX   )  pounced on me and said I had admitted to the debt ( which I had not, I simply asked for verification of the debt ). She was extremely rude, loud, talked over me and would n't let me get a word in edge-wise. Multiple times she flat out refused to give me the name of the debt collection company she represented. She threatened to take legal action. Again, I tried to ask for validity of the debt and she refused, speaking over me and continuing to threaten me with action. I finally hung up on her. I called back and asked to speak with a  manager and encountered another rude person who kept refusing at which I point I mentioned taking legal legal action against them. I finally was put through to a " manager ''  by the name of  XXXX   XXXX  who said he worked for  XXXX   XXXX   XXXX   XXXX . I explained to him the problem but had no real resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies XXXX separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are  XXXX  collections after me for a debt that I do not owe. Convergent Outsourcing is  one  of them and they are try to get me to pay {$2200.00} for a debt that allegedly came from   XXXX   The account number they are using on my report is "  XXXX  ''.     I never once received a notice to dispute this debt before they put this on my credit report. I had my credit pulled recently and that is when I found out this was on my credit. The second collection company 's name is  XXXX  Consultant. They are also trying to get me to pay the same amount of {$2200.00} but they are using another account number. The account number  XXXX  is using is "  XXXX  ''.     Is n't it illegal for  two  different companies to harass someone for the same debt. I do not know what they are talking about and I have never been provided with any supporting documentation that proves I ever had an account with them. If no validation can be provided, why are they colluding to report this account twice on 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 2021-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The person stated that the name is XXXX for Portfolio Recovery. However, the phone number does not bring about a name on my CallerID ; therefore, this number can easily be spoofed. XXXX claimed the the phone number and name of company was legit and wanted me to verify information without proof of who they were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been attempting to repair my credit for 2.5 years now, I am not joking. I am only going to present XXXX issue at a time. I can not ever get answers to my questions, from anyone, not the creditors, credit reporting agencies, hired " credit repair '' This attachment is an example of the outrageous inconstancies, and what appears to be random, and arbitrary application. This is XXXX alert from over XXXX similar I have received from " MYFICO '' monthly, ( XXXX of many monthly subscriptions I pay for ) PLEASE HELP! Where do I even begin to deal, fight this? I am under time constraint, I will lose my house & future if I do n't resolve my credit issues! I need to get a HELOC & CAN NOT WITH MY SCORE & REPORTS. 
Thanks 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 2015-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Basically it appears to be a Transunion Scam. When you try to get the second Credit report a page appears from Transunion asking you to purchase for {$17.00}, a Credit Monitoring/report/score service an the Computer screen will not allow you to bypass this request. So we " could not '' get the reports for XXXX or XXXX, because of the issu with the Transunion advertising blurb constantly coming up in between the Annual reports. 
Why have it available if it does n't work! XXXX ... XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed the account XXXX This account was paid off and it was not my account. I did not open this account. This is a fraudulent account. I want it removed immediately from my credit report please. Once this is removed i want a investigation with the correct FICO Score.

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 2017-05-15
Company: Secured Resolutions, LLC
State: NY
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:
Had  XXXX  in  XXXX   XXXX .  Forgot to pay the bill for part of it. Never got called or anything. It went into Collections with Secured Resolutions LLC at some point. Never received a letter from them. Kept getting frequent calls from them i n  XXXX  and  XXXX  of  XXXX . When they finally left a message, I called back and was informed what the calls were about. They sent me an email rather than a physical letter. Once I reviewed my statements and confirmed I had not paid that bill, I went to Secured Resolutio ns LLC 's  website and paid the amount in full on  XXXX   XXXX ,  XXXX . This account is still showing as open on my credit report. I disputed it with   XXXX   and the company still insists it is open. I would like it show closed on my credit report as I have paid this in full.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have an account on my Transunion that was removed and has returned. 
XXXX : XXXX XXXX $ XXXX- removed XX/XX/2016

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 2015-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have received a credit report from Transunion. This reporting agency continues to violate the rules of reporting adverse information. Especially, when it is clearly seen the opening dates and closing dates are beyond 7 years, or the accounts are closed by the creditors, or charged off. I want this information deleted and my FICO score to not suffer any more damage because of their inability to follow the laws of reporting accurate information and to update my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have disputed and asked transunion credit bureau to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to provide me proof, such as, my signature on this, they did n't and could n't provide me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report. i need validation of my signature and the credit bureau is refusing to provide validation, i need this fix asap. pls help me. 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 2015-12-17
Company: Delbert Services
State: NE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan with Delbert Services/ XXXX which I pay every month on time my complaint is that they are aware of my pay dates yet they call my cell phone XXXX times a day starting the XXXX of the month. I have asked them to not call me until after the XXXX which is my payday. They say the only way they will do that is if I set up automatic withdraws which I do not wish to do. All I asked was for them to not call XXXX times per day, they also do not leave any messages when they call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: KY
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Lease of a XXXX XXXX. 
Ally Bill in XXXX had the followng : Miscellaneous fee of {$760.00}, no explanation. 
Dealership Responded : Thanks for sending that over. I just got off the phone with Ally. The correct documentation is in your account, so they are investigating exactly what happened. 
The property tax charge of XXXX does seem to be in error. 
Dealership Response : I wanted to let you know that Ally has made the correction on your account. The balance for property tax has been reduced to {$150.00}. 
Payment of property tax does not reflect on your credit. If you decided to not pay the property tax during the lease, Ally will simply collect at the end of your lease for the three years combined. 
I do apologize for the amount of time that it took to get this resolved. It had to go up many levels within Ally before official signed off on. 
Complaint : I have requested that Ally provide the actual documentation from the XXXX County, Texas tax office billing me a property tax for my XXXX leased vehicle. This vehicle was purchased for personal use and the state of Texas does not charge property taxes on personal use vehicles. 
I have not received any proof that this was a property tax bill by the Texas, XXXX County. Ally has not provided any legal document to confirm this tax bill. 
Also, I requested an explanation on how they reduced the " suppose '' tax bill to {$150.00}. I have received no explanation. 
I believe they are in violationof the " unfair, deceptive, abusive practices ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We mailed a check in the amount of {$1000.00} to a vendor on     XX/XX/XXXX .   This check was stolen, endorsed & cashed by an individual at a  XXXX  branch. We then completed an " Affidavit of Unauthorized Endorsement or Altered Item '' form submitted by Chase bank on     XX/XX/XXXX . Sub sequently, we 've pursued our inquiry about the status of this claim monthly - but each time we were told that the matter is under investigation by  XXXX  and that  Chase  is still awaiting a response. Yet, today- a fter four m onths of waiting- we received a letter informing us that this matter was closed because we failed to supply them with " previously requested additional information. '' This  is incorrect- the 2 page  form emailed to us was completed, notarized and mailed as instructed. When we called  Chase to question this letter - they were unable to tell us exactly what was missing. Instead we were advised to resubmit the forms again. Which means they 'll commence this process over again. HELP!! Clearly, a check that was endorsed by an individual when it clearly was issued to a Company should never have been cashed. At this point, we believe we are being stonewalled in an attempt to thwart the return of our money or to discourage us from pursuing this further. Chase has refused to credit the money back to our account until the " investigation '' is completed. Chase states that the entire process can take up to 120 business day. But if we have to resubmit it will take an additional 120 days.

Company response to consumer: Closed with explanation