BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
My mother recently passed away. She had a reverse mortgage with Carrington Mortgage company. 

I requested by e mail a request for the payout of the mortgage. Weeks later l received a payout response dated XX/XX/2023 described as being good through XX/XX/2023. ( payout 1 attached ) I have been communicating with XXXX XXXX, an employee who has been completely unhelpful. 

My brother XXXX paid the principal, interest and XXXX  total of {$72000.00} on XX/XX/2023. ( payment attached ) The payout had also listed charges for attorney cost and fees of {$570.00}, appraisal of {$420.00} and property inspection of {$40.00}. We did not pay those charges. I have closed out mortgages before and have never encountered such charges. XXXX informed me that the loan was in default and this resulted in attorney fees. We were never informed verbally or in writing of any impending default. There has been no appraisal or inspection of the property and I see no legitimate reason for these. XXXX informed me that these items were in my parents agreement. I have requested a copy of my parents agreement/contract and received none. I requested a copy of the attorney work product responsible for the {$570.00} charge and received none. 

A second payout document was sent to me dated XX/XX/2023 ( payout XXXX ) and described as being good through XX/XX/2023. The principal, interest and XXXX  were different on that document without explanation. The appraisal fee was increased from {$420.00} to {$870.00} and a new fee for title cost appeared for {$290.00}. There has been no appraisal or property inspection. The total payout increased from {$73000.00} to {$75000.00} despite the fact that Carrington had been paid {$72000.00} on XX/XX/2023. 

I was informed my complaints would be sent to their complaint department and have received no response. 
On XX/XX/2023, we received the {$72000.00} wired back by Carrington Mortgages. ( attached return of payment ) This was total payment of principal, interest and XXXX  that we had a right to pay. It was paid to Carrington on XX/XX/2023. 

On XX/XX/XXXX, I requested an updated payoff document. Today I have again requested a payoff document and received XXXX later in the day. ( payout XXXX attached ) The new payout document fraudulently added thousands dollars in increased principal, interest, attorney costs, appraisal costs for an appraisal that was never done and inspection costs for an inspection that was never done. They refuse to respond to my legitimate questions. They never sent notification of any impending default. They refuse to send me a copy of my parents contract. They refuse to tell me who the lawyer is making these ridiculous charges. No doubt, they are engaged in these types of activities with many grieving families throughout the nation. 

This company engages in unlawful and fraudulent charges to my family after the death of our mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : 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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been receiving a bank statement from XXXX  XXXX almost every month since XXXX up to now and kept calling them and telling them I didnt have any information about this account and I never had any accounts with them but they said they are going to do information then after that they sent me paperwork saying they closed it but Im still receiving it and I cant deal with this anymore they damaged my credit by reporting inaccurate information while Im working on home purchases and I dont know what to do the last statement I received has tow different names which I have no idea about it and they said they believe me or another account user benefited from the transaction So I have no information about this account at all but they re

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 2023-11-21
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I started in XXXX COVID loan forgiveness program, I have the qualifying 120 month/10 years with non-profit employment, i have been told several times my load was forgiven, I was with Navient, XXXX XXXX Services XXXX XXXX Mohela. I have a XXXX page track record of everyone I have spoken to in Mohela, I was told they are processing my information but I needed to email my XXXX 's which i have done 8 times, they are not located so I email again, I am getting the run around half the time i feel the person I am speaking with has no idea what to tell me. the last time I called I was on hold for XXXX XXXX hours before I could speak to a supervisor, I spoke XXXX XXXX XXXX case # XXXX was asigned to me said check in of XXXX I should be getting a letter forgiving my loan, did not happen, I spoke XXXX XXXX - XXXX XX/XX/XXXX Resolution team, she promised me my loan will be forgiven because I have 120 month/10 years full time employment, said she would call/email process within 30 days this did not happen, I spoke to XXXX ( employee XXXX XXXX ) - supervisor end of XXXX after waiting XXXX XXXX hours said i need to email XXXX XXXX yet aging that was the hold up, I asked her why the last supervisor XXXX said everything was XXXX place my loan was forgiven, XXXX said they do not have an XXXX XXXX, XXXX XXXX XXXX would XXXX me XX/XX/XXXX letting me know I was approved, she promised me several times she would not let me down, she did no call. I am paying {$17.00} a month, back in XXXX i owed less than {$8000.00} now it's over {$23000.00} with the interest rate and who know what ever charges I have, this is so wrong, I am very educated on the media with Mohela not using the COVID funds properly, I need help I need to know who I can speak to that will review my case and see that I have been scammed, please, please help me I need your help.

Company response to consumer: In progress
Consumer complaint received 2023-04-06
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It shows an account with Adverse information on my XXXX report is my Best Buy Credit card with a balance of XXXX dollars. They keep sending me a bill to pay but there is nothing to pay. I have called and they said they will cancel my account but i still get these emails. 

This is affecting my credit score. How can an account with a XXXX balance have an adverse account standing? 

Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly Date Paid XX/XX/XXXX High Balance ( Hist. ) High balance of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$4000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$350.00} from XX/XX/XXXX to XX/XX/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 2023-01-11
Company: EQUIFAX, INC.
State: HI
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:
The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Equifax does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. The record shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Initially i did try to work with XXXX XXXX  XXXX who claim to be representing XXXX XXXX and Capital One. She told me they were going to sue me if I did not pay I asked her for what?! She claimed I owed money and that I needed to pay them. I told them I had fraud before and asked them to validate claim. They did not send any validation and then sued me. To make matters worse i had to pay a lawyer to get an answer written, which could have went towards said claim that they never proved. To add insult to injury, they cheated me out of a court date, by getting judgement behind my back without serving me for trial, whicheans they probably lied to the judge. I have proof of no filed service. 

This is a misuse of legal system and harrassment and bullying and a clear violation of federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I filed a CFPB compliant case number # XXXX against XXXX XXXX XXXX XXXX and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that One Main Financial is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both XXXX XXXX and One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: SYNCHRONY FINANCIAL
State: NH
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:
XX/XX/2021 I had 5 credit cards that Synchrony Bank was the creditor : Belk, TJX, Amazon Prime, Gap and Pay Pal. Suddenly these accounts were closed. I received letters from Synchrony stating that the reason the accounts were closed : Activity on accounts with Synchrony Bank indicative of high risk of failure to pay. 

I don't understand why this has happened. I have never been late in paying for my cards and I have been most recently paying the cards directly through electronic transfer from my bank. I had them on auto pay to pay them on time. 

I did not owe a vast amount of money to any of these cards. I paid off the balances tonight except for the Gap which will require a little more time. 
The customer service representatives would not give me any information on the cancelling of these accounts except to say I would receive a letter. Now I have the letters which don't offer a reasonable explanation based on my payment history. 

The cancelling of these credit cards trashed my credit rating. I found out about the cancellations through a report from XXXX XXXX when I noticed the credit rating drop, I guess due to the fact that I no longer had the amounts of credit that had been granted to me through the now cancelled cards. 

An additional slap in the face was a denial of a new Amazon Prime credit card application that I submitted through XXXXXXXX XXXX. I imaging that will also negatively affect my credit score. 

I don't understand why paying down my credit cards resulted in the removal of the credit. Could it be that I am about to turn 70 in a few days?

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 2023-07-03
Company: EQUIFAX, INC.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXXXXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/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 2023-11-06
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my loans from XXXX to Nelnet when the payment pause ended. The total amount was {$200000.00}. They had the best interest rate option and payment for repayment - and the best reviews I could find for customer service ( unfortunately that was a XXXX error because all I'm seeing now is how awful Nelnet is ). I received an email from Nelnet that the loan was approved and asked me to log in and create an account- so I did. When I logged in the SAME DAY my loan was approved, the balance was {$170000.00} HIGHER at {$390000.00} with my payment TWICE as high as it was supposed to be! 

So - I called Nelnet. I sat on hold for 2 hours and 10 minutes before someone answered ( all while trying to contact them through social media which they have their messaging turned off ). When the lady answered, I told her what happened and she quickly spoke saying, 'that 's an error on the site, it will be fixed, that's wrong - keep logging in and it should change ''. I asked if there were a timeline when it would be updated and she didn't have one - but she did say " you have a long time before your first payment, if it's not fixed by then, we can look at different repayment options or consolidation options ... '' My first payment is due in XXXX ( one month ). That's not a long time. Also - I'm acquiring interest on almost {$400000.00} of debt I don't owe! 

Then - a week letter I received my congratulations consolidation letter with the correct amount on it. It states : " Congratulations! Your Direct Consolidation Loan was completed ( originated ) on XX/XX/2023 with a current balance of {$200000.00}. 

So - I just logged into my account and the information is STILL wrong! It still has my payment at {$2300.00} with a loan balance over {$390000.00} AND {$700.00} of acquired interest SINCE THIS BEGAN! 

Now I've been on hold for 41 minutes with an *expected* wait time of 90 minutes- and trying to find other options to move this loan. Going with Nelnet was a MASSIVE mistake!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: CA
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 have been denied a rental unit due to an unsuccessful attempt to gain access to my credit report via Experian, who asked me for further identification using unfair and unrelated questions. I have been applying and getting denied for an apartment due to inaccurate questions being asked of me for further identification purposes through Experian. I applied for an apartment on XX/XX/2019 at XXXX XXXX XXXX XXXX in XXXX, CA who uses a company called XXXX ( XXXX XXXX XXXX ) to run credit reports through Experian. I paid {$35.00} ( Twice ) and was told that I needed to further identify myself through a link sent to my email with questions that were supposed to pertain to myself, randomly selected and provided by Experian. The questions I received did not pertain to me. For example, I was given a question asking to choose a phone number I am associated with, I either have never had these numbers or they are so old that it is unfair to ask me to remember them and then deny me when I don't. Another examples would be a question asking me to choose the person whos birthday falls on a particular date, not only did I have no association with the people listed in the multiple choice question, but it is unfair to assume that I would know their birthdays even if I had known them. I was charged twice for this service and two hard inquiries have been put on my report regardless of the fact that it was the same company and they said they were unable to run it due to inability to verify who I am. I am in desperate need to have this issue resolved, as I can not find a place to live if I am constantly denied due to unfair questions asked of me. My two-year old daughter and I are within weeks of being homeless due to this issue. I need these questions removed pertaining to people, phone numbers and any other information that does not pertain to me. Seeing as I do not know what questions I will be asked ahead of time, there is no way for me to inform you of which future questions I may be asked that will be incorrect or that I can not answer. I am requesting that Experian provide my report to XXXX, as previously authorize, twice, and remove these questions that were asked of me so future inquiries will be process without delay. I would also like those two hard inquires from Rental Property Solution ( dated XX/XX/19 & XX/XX/19 ) taken off my report as it is unfair for my report to be impacted by an inquiry that could not be completed once, much less, the two times it is on my report from the same company, for the same reason. Thank you for your time and I look forward to a resolution.

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