BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
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:
This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX GA XXXX XXXX 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 2023-01-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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 DISPUTED THE FRAUD ACCOUNT WITH THE CREDITOR, THEY REMOVED THE ACCOUNT, BUT STILL SHOWING IN MY REPORT AGAIN. 

XXXX. XXXXXXXX XXXX  XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX OPENED OPENED XX/XX/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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did an investigation on my credit report which is causing me so much stress. I pulled my credit report from XXXX XXXX XXXX and I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XXXX I mailed a certified letter to you about a inaccurate account on my credit report. I checked my credit report to see that the account was not deleted or updated. On XXXX I sent a certified letter again to do a reinvestigation on the same account that was showing inaccurate information. It shows that the letters were delivered and the accounts were not deleted or updated again. It has been over the 30 day time to rectify this inaccurate information and they refused to do it. 

Here is the account : I sent This letter to XXXX, XXXX, and Transunion XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX # XXXX XXXX ) Date of Last activity : Transunion reported date XXXX, XXXX reports date XXXX and XXXX reports date XXXX. Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report I underlined and highlighted the error as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2021-11-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS has illegally denied my right to avoid foreclosure under the CA Homeowner Bill of Rights for NO VALID reason. 

The offer submitted is in line with the value that SPS did on the home. There is NO reason to deny my short sale. 

2nd lien holder has a foreclosure sale date scheduled for XX/XX/21. I will hold SPS personally and legally liable for all issues relating to legal fees and credit reporting damage associated to that action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from 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 2022-10-21
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried to call MOHELA customer support on multiple different days, at different times of the day to verify that they received my complete PLSF application that I faxed in on XXXX XXXX, 2022. Once I got through their automated phone prompt system it would say " due to overwhelming response... we are unable to take your call ''. I tried to contact them via email, but that requires setting up an account and they wouldn't let me do that because my loans haven't been transferred from XXXX to MOHELA. Now that I've finally been put on hold ( instead of being kicked out of the system ), it's telling me my expected hold time is 195 minutes ( over 3 hours )!!!! That is obscene. They need to hire more customer service staff. I've dealt extensively with customer service at XXXX and XXXX and never had anything like this. The PSLF temporary waiver application is due by XXXX XXXX, 2022. I'm trying to do the responsible thing by verifying my application was received. The fact that I can't get in touch with MOHELA to do that is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Foreign Transaction Fee on Transactions in US Dollars Bank of America Visa Card charges a foreign transaction fee on transactions consummated in US dollars. BAC alleges they are allowed to charge this fee, but the cardholder agreement is not explicit as to when they can elect to charge and when they don't. The cardholder agreement is explicit that if the transaction is in foreign currency, they will charge, but is silent on charging on US dollar transactions to foreign companies. 

For example, purchasing an airline ticket on a website in US dollars will be charged the transaction fee dependent on how BAC feels ; e.g., tickets on XXXX XXXX in in USD will not be charged, but XXXX tickets ordered and paid for in US dollars are charged. If one orders spare parts from XXXX in US dollars, one is not charged even though XXXX is a foreign company and reports its results in XXXX Yen. 

BAC Customer service could not find either the rationale that made sense or a place in the cardholder agreement that delineates the fee. It appears to be added at random when BAC thinks they can get away with it. 

I was charged {$53.00} in Foreign Transaction Fees on a airline ticket purchase of {$1700.00} ( 3 % ) ; a transaction entirely conducted in US dollars.

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 monetary relief
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX Transunion dropped my score by XXXX points for a remark on my mortgage account that has been there since XX/XX/XXXX. That remark has never impacted my score. I filed a dispute and Transunion increased my score by the same XXXX points on XX/XX/XXXX. On XX/XX/XXXX Transunion again dropped my score by the same XXXX points, giving the same reason for the drop. I have a XXXX XXXX on time payment record and that was the case for the last XXXX XXXX no collections, no public records, basically no negatives whatsoever, so there is no legitimate reason for the drop on XX/XX/XXXX, which is why they increased my score by that same XXXX points on XX/XX/XXXX. Transunion can not explain the drop on XX/XX/XXXX which is why they restored the points on XX/XX/XXXX, but did not restore the XXXX points when they dropped it on XX/XX/XXXX. They can't explain it and asked me to wait XXXX hours for it to go back up. It has been a week and no one at Transunion including supervisors knows why and keep giving me talking points that I already know. I am locking in a mortgage rate soon, and I can't do this every month and their response that it is the system makes no sense because the information on my credit report is the same for the XXXX XXXX before the drop and the month after the drop.

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 2023-05-22
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
On XX/XX/2023, the sum of {$5700.00} was wrongfully and improperly charged to my Citibank Checking Plus Line of Credit. Although providing Citibank with a formal Billing Dispute with regard to this charge pursuant to Section 1026.13 of the CFPB Rules on about XX/XX/XXXX, I have not to date received any acknowledgement or other communication from Citibank in response to this Billing Dispute notice. Please see the attached copies of my Billing Dispute notice, as well as the Certified Mail Receipt and Return Receipt for such notice. The 30-Day period for Citibank to respond to my Billing Dispute has apparently expired. Also, Citibank continues to make efforts to collect the amounts disputed.

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 2022-10-21
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans were transferred to MOHELA this year. I have sent them XXXX emails about issues drag I need their help with and have had no response. I sent a letter by mail with delivery confirmation so I know it's received and I've had no response. I had a request to update my income based repayment, which they sent a letter to refuse to make the change and to let them know if I want the change. How am I to contact them if they respond to no communication? I'm hard of hearing and they don't have a TTY line, they depend on XXXX to call them. They absolutely don't take it seriously to help borrowers. I will be done with them with student loan forgiveness. However their inability to actually respond to any of my communications is absurd

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to fix my credit lately due to covid-19. All my past bill have been paid off and was trying to get everything perfect. I noticed XXXX XXXX XXXX XXXX has incorrectly reported me for being late on 2 payments from 6 years ago. Now they have reported me late for 3 payments totaling up to 90 days. They are ruining my credit report due to errors from their system. They have done this so many other people you can see the reviews on almost every site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
After reviewing my credit report, I noticed a few unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XX/XX/2023 Unauthorized XXXX XXXXXXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - 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 2023-01-12
Company: Experian Information Solutions Inc.
State: IN
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 discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to Experian, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the XXXX XXXX XXXX XXXX as a federal employee and my file was affected by the XXXX breach.I believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received 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 2023-12-17
Company: Andrews & Cox, P.C.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
According to court records the company sued me for a judgement in XXXX. In XXXX I was diagnosed with XXXX and subsequently moved with a relative for supportive care. They sent summons to an old address that was returned to the court undeliverable. 

I filed for XXXX XXXX  bankruptcy in XXXX. During court preceedings to garnish my wages, they were notified I filed for bankruptcy. The garnishment order was stopped in XXXX. 

I bought my first home in XXXX. While trying to refinance my home in XXXX XXXX I was informed a lien was on my title. I then began to reach out to the company because this debt was discharged in the bankruptcy. I have received no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There are XXXX separate companies involved for this complaint. Numerous request have been made to all three companies to close my escrow account and refund my money, to that I can pay my taxes and insurance myself. 
XXXX. Fay Servicing , LLC 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, severely misapplied payments on my mortgage account. 
XXXX XXXX XXXX XXXX XXXX XXXX ( not recorded on my property deed ) supposedly received my loan from XXXX, effective XX/XX/2022. Payment was made to XXXX XXXX XXXX on XX/XX/2022 for XX/XX/2022 XXXX & I, only. XXXX XXXX XXXX XXXX XXXX received my XX/XX/2022 XXXX & I only payment via bill pay, and received my XX/XX/2022 XXXX & I only payment by money order. but did not apply my payment for XX/XX/2022 Principal and Interest, Only. 
XXXX. Fay Servicing , LLC who is also not recorded on my property deed, is harassing me with threatening letters and payment statements. 
A written request to close my escrow account and refund to XXXX XXXX XXXX XXXX XXXX Subsequently a written request was also sent to Fay Servicing , LLC. 
A phone request was made on XX/XX/2022 to close my escrow with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. A Fay Servicing , LLC representative stated by phone, that there is no way to speak with anyone in the escrow department, as they do not have phones, nor take calls. 
XXXX. Fay Servicing , LLC representatives stated by phone, that there is no place for me to take my mortgage payments to in person. 

Fay Servicing , LLC is attempting to threaten me with foreclosure proceedings, even with proof of payment for XX/XX/2022. They ( company and their representatives ) are trying to bully me into paying them, causing me unnecessary mental stress and emotional discomfort. 
Neither Fay Servicing , LLC nor XXXX XXXX A as trustee for XXXX are recorded on my property deed. 
XXXX. Not only have my mortgage payments been made on time, before the due date, I have paid more than the monthly mortgage amount, for over XXXX years. 
XXXX. Fay Servicing , LLC has multiple return addresses and XXXX XXXX XXXX ( IL, TN, TX, CA ), but I have no way to walk my payments for Principal and Interest Only into a XXXX XXXX, in order to make sure my payment is applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Won't fix my account so they can push these worthless credit cards put back my 16 months of on time never late payments for 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