BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-09
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:
IN REGARDS TO : XXXX STUDENT LOAN AUTH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I HAVE SENT NUMEROUS OF LETTERS PERTAINNG TO THE VALIDATION OF THESES ACCOUNTS THROUGH CERTIFIED LETTER RECEIVED XX/XX/XXXX BY XXXX XXXX. THE ACCOUNT SHOULDNT BE REPORTING AS IT HAS BEEN TANSFERED AND SOLD TO ANOTHER LENDER THROUGH CONSOLIDATION. THEY ARE ALSO INACCURATELY REPORTING THE TERMS DURATION OF 144 MONTHS AS WELL AS THE DATE OF LAST PAYMENT XX/XX/XXXX AND THE DATE OF LAST ACTIVITY WAS XX/XX/XXXX. NOW HOW IS THAT EVEN POSSIBLE? THEY HAVE NOT COMPLIED WITH THE FTC NOR FCDPA AS FAR AS IM CONCERNED AND I AM CERTAINTLY OUTRAGED BY THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RE : SYNCB / JC PENNY I contacted the bureaus, and proved to them that I am victim of Identity Theft. An ID Theft Report was sent unfortunately these companies erroneously validated the account listed above.
I contacted SYNCB JC PENNY they claimed that they sold the account to XXXX XXXX and the no longer had any records about the account I was told to contact XXXX XXXX. They  Requested the account be deleted.
I am a victim of Identity theft and I am requesting that the following inaccurate items to be immediately investigated. I pulled my credit report recently on X/XX/17 only to find several addresses and accounts that do not belong to me. Please advise them to remove that account from my credit file.

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 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX college is no longer the school that I attended and my loan should of have been discharged due to the closure of the school also the loan is still appearing on my credit report sever times although it has been consolidated into one 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 2021-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Yesterday Bank of America closed my credit card. When I called them to see what the problem was I was told they could close it at any time. I have never been late on payments. I do not want my credit reporting damaged because of this. I have all statements, my next payment is not even due until XX/XX/2021

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 2015-04-02
Company: Debt Recovery Solutions, LLC
State: FL
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:
My latest credit statement continues to show a debt from XXXX that is several years old of {$110.00}. I negotiated a settlement on the original bill of {$230.00}, that was incorrect, with a credit supervisor named " XXXX '' in XXXX of 2013. I sent the check - they lost it, I had to stop payment on it ( I have a copy of the bank stop payment order ) and sent another check by certified mail which they cashed. In the " for '' area of the check I put the account number and paid in full. However, XXXX has passed the balance onto XXXX or XXXX other debt collection companies. I am XXXX of this and have the letters to prove my claim that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX I disputed XXXX  XXXX fraud account with TransUnion by certified mail with supporting documents requesting XXXX  XXXX account / fraud inquiriy be removed immediately from my consumer file. On XX/XX/XXXX XXXX  XXXX  forwarded by electronic information to TransUnion account as fraud. I followed up XX/XX/XXXX with TransUnion spent over 1 hour back n forth with transunion supervisor " XXXX XXXX '' continued to tell me even though I followed all necessary steps TransUnion will not remove fraud inquiry from my consumer file and he eventually disconnected call.. TransUnion continues to violate FCRA guidelines XXXX 

I've copied and pasted statement from TransUnion website steps to follow remove fraud inquiriy which I did. 

" Send a letter to each credit reporting agency requesting removal of the fraudulent inquiry Include a copy of your FTC Identity Theft Report with your letterIf you are requesting deletion of an inquiry from your TransUnion credit report, send your letter to the address below : TransUnion XXXX XXXX XXXX XXXX, PA 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 2017-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is/was a debt with Capital One. It has been going on since XXXX XXXX. They were receiving payments and not crediting the correct account and when notified refused to check said account and then sold the debt twice and i have been harassed by all XXXX agencies. 

I told and provided paperwork to numerous contacts and not XXXX department took ownership of the problem to investigate and help me. It has had negative impact on my credit report and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Recently I received an escrow analysis that showed a shortage in my escrow account. As I reviewed the document, I noticed during the escrow analysis period that GreenTree Mortgage had included XXXX property tax bills. In California, we pay property taxes XXXX times a year. GreenTree accomplished this by changing the escrow analysis period, paying the tax payment early, and including XXXX months in the escrow analysis period instead of XXXX. I compared it to last year 's analysis period and it was definitely done differently. As a result, they increased my monthly mortgage payment by over {$100.00}. I called them and contested the increase due to the reasons I stated above and the unfairness of their actions. I never received a response. So, I called them again and was told over the phone that they denied my request to leave my house payment the same. Then I requested in writing that my escrow be closed and that I assume responsibility for making my own property tax payments. I included in the letter my reasons and my displeasure over their unfair practice. I just received a denial of that request in writing as well because they indicated that " The principal balance of your account is not less than 80 % of the original value of the property. '' Our house was originally valued at {$500000.00} ; however, we bought it for {$450000.00}. We put a large down payment and we now owe {$310000.00} on the home. That is less than 80 % of the original value. More money in my escrow account means more interest collected by the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Ive sent XXXX rounds of dispute letters regarding an inaccurate account thats being reported. The first response I got back from the first letter was to send proof of identity and I have done that and resent a letter explaining my problem and requesting a deletion. I have yet to hear back from the credit reporting agency equifax and its been over XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the fair Credit Reporting Everything has to be accurate on my credit Credit bureau stated my account was properly investigated but how is that possible if the open date is in accurate..This ground for removal immediately they also violated my rights under..15 U, S, C SEC 1681A States I have the right to privacy.15 U.S.C Section 604 A2 : 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 non-monetary relief
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: NY
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 sent Experian dispute letter and in XX/XX/2021 with no action and proper investigation has taken place, They have failed to provide how if they even did an investigation. I sent another affidavit with evidence showing the errors on my credit report and asking ask how if any there verification has been done, This letter was sent on XX/XX/2021 and still no response.

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 2021-09-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
American violated my Federally Protected consumer rights. American Express also committed identity theft and 9 other violations under the FDCPA.

Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692f ( 8 ) 15 USC 1692c ( a ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692c ( 2 ) ( A ) 15 USC 16
92e ( 10 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CITIBANK, N.A.
State: SC
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:
Re : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : Best Buy Credit Services Best Buy Credit Services is in violation of the Fair Credit Reporting Act ( FCRA ), 15 usc 1681, for unlawfully obtaining my XXXX  report on XXXX XXXX XXXX  without my authorization or a permissible purpose under FCRA. See 15 usc 1681b. Specifically, the FCRA provides, A person shall not use or obtain hey consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681C of this title buy a prospective user of the report through a general or specific certification. 15 usc 1681b ( f ). Chester v. Parvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Best Buy Credit Services. Further I do not have an account as defined under 15 USC 1693a ( 2 ) with Best Buy Credit Services for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willing fully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years or both. 15 usc 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00} ( 2 ) punitive damages and ( 3 ) costs of litigation together with attorneys fees. 15 usc 1681n ( a ).

For the sake of judicial economy are you willing to settle this matter without any admitted liability I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and two pay me {$1000.00} and deliver it to my address within 14 days of receiving this demand. 

please be advised that I am prepared to litigate this matter if you do not comply with this demand. upon timely receipt of the {$1000.00} payment this letter shall be a general release of all claims herein.

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 2021-09-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX- This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we began the process of refinancing our home with XXXX XXXX XXXX  ( XXXX  ). Then on XX/XX/XXXX, we received our first mortgage statement with the first mortgage payment due on XX/XX/XXXX. We called on XX/XX/XXXX to make the payment over the phone because we had not set up our online account. We made the payment over the phone in the amount of {$2600.00} with XXXX. She took our payment and gave us a confirmation # ( which we have documented ) and we were good to go. Then we created an online account and viewed the website and were content with its ease of use. Then a few days later, we received a notice of Servicing Transfer dated XX/XX/XXXX from XXXX XXXX XXXX. It indicated that the new servicer was Nationstar Mortgage LLC dba/ Mr. Cooper XXXX This came as a shock as we had barely received our first statement from XXXX XXXX XXXX  and no explanation as to why it was changing. The first week of XXXX we received a Notice of Servicing Transfer along with the welcome letter which included the payment stub to pay the first amount due XX/XX/XXXX in the the amount of {$2600.00}. My husband ( XXXX XXXX ) and I immediately called Mr Cooper informing them to add me ( XXXX XXXX ) as a XXXX party to access account information. Then on XX/XX/XXXX, we created the online account with Mr Cooper and even received a " Thanks for setting up an online account '' email. On XX/XX/XXXX, Mr Cooper had still not received our HomeOwners Insurance information which I was told would automatically happen when the loan was transferred but that did not happen. We had to contact our insurance department and prove the insurance coverage and ensure that it was included in the loan. After 1 week of trying to figure all that out we finally received a mail in the letter showing the insurance coverage was added. Then on XX/XX/XXXX when my payment was due I tried logging in to the Mr Cooper account online and I was unable to access it. It kept saying that the account could not be found. TO this day, XX/XX/XXXX I have still not resolved where my payment went and/or getting access to my online account. I have made several XXXX lost count ) phone calls and have been in contact with 1 person who finally gave me his email address with Mr Cooper with no response or resolution. ALL I want is to access my account on line and find my payment that I made to XXXX XXXX Mortgage on XX/XX/XXXX. My bank statement shows it went to them and in the amount of {$2600.00}. In hopes that someone can resolve this soon I am posting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX IL XXXX or XXXX XXXX XXXX XXXX XXXX PA XXXX Original Creditor : XXXX  XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX CA XXXX XXXX Number : ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from XXXX  XXXX Account Number : XXXX. This Collection account is reporting not only as Open on all accounts but also shows a past due balance of [ {$260.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, 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 2017-10-09
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for this collection from this debt with XXXX XXXX. I am not responsible for this debt with LVNV FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The medical procedure was performed in XXXX however the billing was not submitted until XXXX, this violates Texas Civil Practice & Remedies Code Title 6 Chapter 146.002 & 003 ( see the attached offer for settlement ). Furthermore the provider acknowledges the debt was paid and no further amounts were owed ( see attached paid account ). 

The account has been placed in collection in retaliation for a bad medical procedure and threats against them for malpractice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CBC Companies, Inc.
State: IL
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:
INNOVIS HAS RECIEVED MANY MAIL CERTIFIED DISPUTE LETTERS FROM ME. 
THEY HAVE ACCOUNT # XXXX LISTED AS A XXXX BANKRUPTCY DISMISSED, I CLOSED ACCOUNT # XXXX. I NEVERED FILED BANKRUPTCY, THEY HAVE A MIX FILE

Company response to consumer: Closed with explanation