BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent numerous requests to experian to provide proof of verification of     XXXX   XXXX   XXXX   XXXX   XXXX    account that is being reported on my credit. Under the FCRA  Act,  the bureau 's are responsible for keeping this documentation on file. Under the FCRA, experian has to verify the account with the original documentation in order to comply with the " right to report '' and FCRA laws. If the original documentation is not provided, the company must delete the account. Under the FCRA, Experian must provide a copy of the verifiable original creditor documentation if it is requested properly by the cosumer. Since Experian can not provide proof of verification to me in the form of a physical contract document per this request and the handwritten request that is uploaded to this file, the account is classified as " unverified '' and under the FCRA, all unverified accounts must be deleted. I would also like to note that experian comes back with they have " verified '' the debt but never provided written proof. If they never received written proof, then the numerous times they have come back with a supposed " verification '' is a complete lie and breaking the law.  Either  show me documentation in its original form for the     XXXX   XXXX   XXXX   XXXX   XXXX    account or remove it from my credit report. I have also uploaded my driver 's licnese and paystub with the last  XXXX  of my socail that matches my credit report,  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 2022-03-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan changed hands multiple times before our first payment was due. We have a loan with this company since the end of last year. The last six months we have spent filing letters on the website emailing and calling multiple departments as well as filing official complaints to the company in writing. This place appears to be a call center for a collection agency with no opportunity to go into a local branch and go over specifics of the loan as well as expectations. Each attempt at communication ends with a promise of resolution with no follow up and you can only escalate your issues to their own department supervisors which are not able to assist and have no authority to aid in your situation. All complaints are to be filed in writing and in my experience are not followed up to or responded. We always over pay our escrow and principal for the mortgage on time. We communicated everything upfront as we awaited our supplemental tax bill and over paid escrow while waiting. They incorrectly informed us of proper procedure requirements on multiple occasions. Our supplemental tax bill is due in 10 days the money is intentionally in our escrow account to pay it and they are refusing to issue the money to the assessor or return it to us in time to pay it. Although we have been in communications with them since last XXXX regarding this very item and even personally at the leading of a customer service rep called the assessors office on XXXX way to confirm the supplemental bill and they " noted '' the system. In an effort to be a responsible lender we have done all we were asked and gone over and above all that is asked of us and have nothing but unprofessional non accountable individuals working with and servicing our home. Who will hold this company accountable for unfair practices and poor service and zero soft skills with clients that did not choose to be their clients. I have never been insulted and interrupted talked down to with no end in sight by anytime especially not over a half a million dollar loan. I would never have selected a lender with such poor ethics as a collection agency to do this with us. Someone needs to remove this company from this industry and pull accounts such as ours and give them to other mortgage servicing companies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: MO
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 was just looking over my consumer report and found some addresses that appear to be incorrect. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX There should only be one address listed on my report, which is : XXXX XXXX XXXX XXXX, MO XXXX I also noticed that my name appears to be misspelled on my consumer report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names : XXXX XXXX XXXX There should be only one name on my consumer report, which is, XXXX XXXX XXXX. 

Please remove inaccurate employers as well : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC
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:
My car insurance company paid off the bullk of my car loan to Toyota financial and my gap insurance that was also from Toyota financial was supposed to pay off remainder of balance I called gap insurance they said they paid it off and emailed me confirmation but never received it. On my credit report it say my Toyota acc. Was closed and they double back and put my acc. As bad credit write off that is now hurting my score. Now I call Toyota financial back and they are just transferring my back and forth without telling me who they are sending me to next thing I know I'm speaking to some who say they are debt collectors for Toyota financial and I owe them money and I'm like my acc. Is closed paid off at no time anyone from Toyota tell me otherwise. I need them to fix there error and I hope there calls are being recorded to prove what I'm talking about but rather than them explaining to me what's going on they keep transferring me telling me they have no info u have to speak to another department witch turns out to be debt collectors if that is even true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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:
I already reached out to Transunion and notify them of their error posting of information on my report. I requested for Method of Verification mailed last XX/XX/2020 but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation

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 2023-05-02
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:
When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below, and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: Law Offices of Les Zieve
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is  XXXX   XXXX   XXXX , I am translating on behalf of  XXXX   XXXX   XXXX , who is the borrower on this mortgage.     Mr.  XXXX , does not speak any  XXXX  and hired a company by the name of  XXXX   XXXX , who was supposedly helping him on a resolution for his mortgage. This company was basically working also as a translator to all lender 's documents sent to his address.     The lender, unbeknownst to Mr.  XXXX , sold the property to a third party on   XXXX   XXXX   XXXX   MR.  XXXX  was told that the sale was postponed. He was trying to modify, but apparently the Lender and  XXXX   XXXX , were aware that Mr.  XXXX  had about {$150000.00}  Dollars  equity and foreclosed on him.     Mr.  XXXX , feels he was defrauded by both Lender by not notifying him IN SPANISH THE FORECLOSURE PROCEEDINGS. Mr.  XXXX  has not idea of the process, nor he agrees losing {$150000.00} dollars of his equity on this unknown process to him.     Mr  XXXX  also feels that the  XXXX   XXXX   XXXX  knew there was equity on his house and instead of proceeding with the Loan MOdification, they were trying to do a SHort Sale and buy the house for themselves.     Mr  XXXX  will file a lawsuit against the lender, but is asking, actually begging your office to contact the lender on his behalf and STOP THE PERFECTING OF THE FORECLOSURE SALE.      XXXX   XXXX  feels that if he knew the  XXXX  was not processing his modification, he should have been notified in  XXXX . He would have never allowed the lender to foreclose SPECIALLY HAVING {$150000.00} OF EQUITY.     The lender trustee is Law Offices of Les Zieve,  XXXX  Corporate Park  XXXX   XXXX   XXXX , CA  XXXX  Phone : (  XXXX  )  XXXX  TS number :  XXXX  Please contact us at  XXXX  at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I received a letter from Synchrony bank that I was overdue in payment of my credit card. I was totally surprised because not only did not have a credit card but I never heard of this bank before. Next day I called the bank to explain that I have no idea what was that all about since I never had an account with them and did not know that the bank existed. 
First they told me that they had all my personal data, very scary, but they will take care of the mater promptly. On XX/XX/XXXX I received a letter from them to inform me that my request had been " denied since the goods were shipped to my address and I benefit from it ''. 
Whoever wrote this letter was lying, because I had never received any such items and if they were indeed shipped to my address I would have been aware of it. 
There was no effort from the bank, to my knowledge, to protect my credit information and find out who was the perpetrator and turn him to authorities. 
I am a XXXX year man I never have defaulted to any my account in my life and for sure not for {$110.00}. 
To add insult to my injury they send me a new credit card!

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 2019-07-16
Company: EQUIFAX, INC.
State: OH
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 contacted ALL businesses by certified mail as well as all three credit bureaus pertaining to my issue. I have MANY hard inquiries on my accounts as result of my information being compromised and i had placed a security alert on my credit reports because of that, and even after doing so my credit was run over 20 times!!!!! I was never once notified or asked to give the identifying information required with the security alerts placed on my account, and now my credit is suffering immensely. Legal action is my next route if this does not get fixed in a timely manner, as it has already been way too long, and i have already addressed the issue will all companies involved and NOBODY has fixed their wrong doing. I was in chapter XXXX bankruptcy at the time FURTHER showing that the inquiries should not be on my account and again I was never notified or asked to confirm and allow my credit to be run!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Strategic Alliances, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
! st Financial Investment Fund is  trying to collect a debt in the amount of {$2900.00} but have ignored my letters requesting proof of the ownership of the account. I have written them letters requesting they send me this documentation several times but my attempts have been ignored, and I get letters stating I owe the debt but they have never proven the debt is mine despite the attempts. I have nothing in my files that would indicate the debt is mine and i ca n't get this company to provide proof of the debt. How many times does a person need to request proof of the debt from these third party collections before something gets done about them? I feel all my efforts were for nothing because that 's what I got from them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit report shows my deceased husband credit card debt of XXXX XXXX odd dollars with XXXX XXXX XXXX XXXX which I am an associate card holder as mine and I want it removed since my husband is deceased and it shows delinquent it will hinder my credit score, When I asked for it to be removed, I was told it shows I am an associate holder, and it won't ever be removed since it says associate card holder. I have been told repeatedly it is hindering my credit 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 non-monetary relief
Consumer complaint received 2018-09-11
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recieved the following email from a loan servicer. This loan servicer managed my previous student loans that have been % 100 need paid off since XXXX. They did not properly document the full and complete payment of loans and are now trying to charge interest on a principal balance that does not exist. 

Dear XXXX, We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$1000.00}.

The change in your principal balance may result in a change to your regular monthly payment amount. If so, your next statement with a payment due will reflect your new payment amount. We will send your statement about three weeks before each payment is due.

Making your student loan payment is easy!

Use your mobile device or computer to get started in three easy steps : Log in to your Nelnet.com account to view your loan balance, amount due, and upcoming payment due dates. 
Choose your payment method. Sign up for auto debit, make a one-time online payment, or pay via your XXXX or XXXX mobile phone. 
Make your payment. 



Helpful Account Information Current principal balance : {$450.00} Next payment due : XX/XX/XXXX Regular monthly payment amount : {$5.00} Additional important account information will be provided on your monthly billing statement. 


Questions? Were here for you. Visit Nelnet.com or call us at XXXX from XXXX XXXX to XXXX XXXX  ( Eastern ) Monday Friday and XXXX XXXX to XXXX XXXX Saturday. 

Sincerely, Your Nelnet Customer Service Team LOG IN TO YOUR ACCOUNT Make a Payment Repayment Options

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have spent a number of years days weeks trying to get TransUnion to correct the issue so that I can retrieve my credit report. I have been transferred several times and to supervisors and still the problem has not been fixed. 
I just need my TransUnion report and should not have to wait for it in the mail. I should be able to log in and get it. So maybe you can get TransUnion to finally fix the darn  issue.

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 2023-03-21
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 is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$760.00}.

Company response to consumer: Closed with explanation