BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 don't know who's computer started the problem, but on XX/XX/XXXX, Both the XXXX and Transunion credit reporting companys decreased my score XXXX points, without any reason. 

My accounts are all in good or excellent standing, I haven't had any new accounts opened or closed, and all my bills are paid on time. 
None of the XXXX reasons apply at all.. 
I called transunion, and they were very helpful, andcstarted a dispute/investigation.. 

Then i called experian to ask about and dispute it, and they told me they can't tell me why it decreased, the computer does it. 

I told them than their computer made a mistake, and they basically started deflecting responsibility, saying I should contact the lenders.. 

The lenders aren't the problem, again, all my accounts are in good standing, and there has been NO NEW ACTIVITY to warrant a XXXX point decrease in my score. 

I'm in the middle of trying to buy a house through the USDA, and this is the type of stuff that could cause my loan to not be approved.. 

PS Your entry box for the last 4 of my social security number, keep saying my entry of XXXX, is empty. 

So you might wan na fix that, and the last XXXX of my ss # for identity is 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 2022-10-21
Company: Experian Information Solutions Inc.
State: MI
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:
There is information in my credit report. Another person named " XXXX XXXX '' keeps coming up on MY credit report file. I need this removed IMMEDIATELY. 

I have sent letters proving MY identity, emails, and EXPERIAN DOES NOT ANSWER THEIR PHONE. EXPERIAN and other credit report companies have so much POWER over citizen 's lives with CREDIT REPORTING, YET THEY DON'T EVEN HAVE ANY LIVE CUSTOMER SERVICE PEOPLE TO HELP WITH ERROR OR FRAUD!! 

I AM GOING TO SUE THEM IF THEY DO NOT FIX THIS ON MY CREDIT REPORT IMMEDIATELY!!! 

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 2022-10-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a credit card dispute claim with USAA on XX/XX/XXXX for {$790.00}. The merchant in this case was a mechanic called XXXX XXXX XXXX XXXX XXXX. They had my car a total of 4 times for an issue with my coolant system. The 4th time they determined it was a bad water pump and needed to replace it. I paid {$790.00} for the work and after getting my car back it broke down the very next day. They did not correctly reconnect the fill hose that sends the coolant to the engine, which caused my car to overheat and I broke down. I called the merchant ( XXXX XXXX XXXX ) that morning 3 times, 2 times the next day, a few times a couple days later, left several voicemails, with no answer. I only got a call over a week later stating I could bring the car back and they would fix their mistake. By that time 1. ) it was already too late and 2. ) no one in their right mind would bring a vehicle back to a mechanic for a 5th time for the same issue. So basically, I took my car somewhere else because I no longer trusted XXXX XXXX XXXX and they were not picking up my calls. My new mechanic informed me of XXXX XXXX XXXX 's negligence and incompetence. USAA denied my credit card dispute case because they took XXXX XXXX XXXX 's original statement at face value. XXXX XXXX XXXX ( the service managers name is XXXX XXXX XXXX stated that I only brought my car their twice, that the fill hose not being reconnected properly was not because of them and that they never heard from me again. All of these things were a lie and I provided USAA with a 3 page letter and 19 pages of supporting documentation including call records, tow records, text messages and pictures of my vehicle to disprove XXXX XXXX and XXXX XXXX XXXX XXXX lie. My credit card dispute was rejected because USAA said " the merchant offered to fix their mistake ''. I said that is ridiculous because at what point does their work not constitute neglect? And if they don't call me back for over a week am I supposed to sit at home, not go to work and wait for them to fix my car? USAA did not have a good answer. The final time I called USAA they told me they were going to have someone call me back to rectify this. I waited for that call and it never came. I am requesting that the Consumer Financial Protection Bureau get me my refund of {$790.00}. You can call me at XXXX if you want more detailed information regarding this case. USAA has not only been negligent in defending me in this case but I believe their actions to be criminal. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Uplift, Inc
State: AZ
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 act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: BSI Financial Holdings, Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by BSI financial and i was granted access to their payment portal. I set my payments up to be bi-weekly and the amount was to cover the entirety of each month 's payments every 2 weeks. I initially added {$250.00} per payment in additional principal. This change apparently caused BSI to suspend my account and when no regular bi-weekly payments were deducted from my account in the month of my I logged in and found my account was suspended and marked delinquent. I made an inquiry through their customer care portal and was told that I had suspended the account. That is not possible to do unless 5 days written notice is given according to their policy. No such suspension letter was sent. I spoke with a XXXX XXXX who told me he would handle the matter. I was then informed BSI can not process biweekly payments in the full amount of a monthly payment and can only take a 1/2 payment. This has been proven untrue as they did take the correct amounts in the month of XXXX. Since this has occurred I have been passed off to XXXX XXXX who told me she would personally oversee the account. She agreed to retroactively credit the appropriate amount to the missed payments due to their error, but in so doing did not apply the amounts correctly or offer any explanation. When this was brought to her attention she informed me she would look into the matter. On XXXX 3 payments of {$1400.00} were deducted from my savings account and placed in an UNAPPLIED Status. After receiving 5 letters from BSI stating they would process my payments bi-weekly in the full amount of {$1200.00} and apply the first payment to principal interest, and escrow and the 2nd payment to principal reduction. On XX/XX/17 they deducted {$710.00} and it is sitting in UNAPPLIES. I can make no sense of the LOAN History which I am attaching for your review along with the letters. Upon written inquiry to XXXX XXXX I was instructed after 9 days of no activity to correct my problem that my account was being transferred to the complaint department. I have written bth Miss  XXXX and XXXX XXXX Senior Counsel Letters to try and get this corrected and am getting nowhere with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions 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:
Pursuit to 15 USC CODE 1681a2, I did not give written permission to have these accounts furnished on my credit report. XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 2020-09-26
Company: EQUIFAX, INC.
State: OK
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:
I received my credit score and credit report updated for the month of XX/XX/2020 with a 14 point drop. The credit reports I received explicitly mentioned that there was nothing justifying the drop. I submitted all my financial data to a financial analyst who confirmed my suspicion that it was a mistake. 
Whether the mistake was malicious or not we dont know. In one of the reports, something about my medical information, which surprisingly couldnt be disclosed to me but could be disclosed to credit agencies, was mentioned. If so, I demand the credit agency contact the source of this information since I am in a legal contention with them and they not I owe me money. 
This third party has retaliated in many forms, none legal, and I have been able to dodge their attacks. I demand the credit agency to fix my credit score. I worked very hard to reach the excellent credit score I had and I do not intend to accept more corporate retaliation. 
This issue involves all three credit agencies : XXXX  XXXX  Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: ProCollect, Inc.
State: WA
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 had a debt with Pro Collect for a little over {$240.00}. I paid the debt and was told once the debt was at a XXXX balance Pro Collect would take the smear off my credit report. This has not been done. Also, its reporting negatively that I still owe on my consumer report. I would like this remark removed from my credit report and consumer report as promised. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: LA
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Whom it may Concern : After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX Please remove Address below XXXX XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Although I have shown Transunion that XXXX was unable to validate the {$4900.00} balance, Transunion continues to report this unvalidated information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
I'm requesting that Shellpoint Mortgage Servicing remove the 30 day & 60 day and 90 day late payments for XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX from my credit reports on XXXX XXXX XXXX and any other reporting agencies. XXXX and XX/XX/XXXX mortgages payments are in XXXX  XX/XX/XXXX mortgage payment was made on time as reported on my XXXX credit report. 
From XX/XX/XXXX my XXXXXXXX XXXX XXXX XXXX  was hit hard by Covid 19. My clients are XXXX XXXX XXXX. They too were devastated by Covid 19 because they were forced to close. My revenue plummeted. By the end of XX/XX/XXXX I exhausted all of my savings. 
I requested a Forbearance for the XXXX and XXXX payments because of the negative effects of the virus and was approved on XX/XX/XXXX. In XX/XX/XXXX Shellpoint Mortgage Servicing posted a 30 day & 60 day late payments on my credit reports. On XX/XX/XXXX i wrote Shellpoint and requested the late payments be removed due to the negative effects of Covid 19. Shellpoint denied my request, stating that I didn't say specifically " Covid 19 " was the reason for my request for Forbearance and that I had a prior late payment.

The 2 late payments are negatively affecting my ability to acquire new contracts and credit which will grow my business revenue. On XX/XX/XXXX Shellpoint Mortgage Servicing added a late payment for XX/XX/XXXX on my XXXX credit report, My XXXX is now reporting a 90 day late. This is an error, i made the XX/XX/XXXX payment on time. 
I'm determined to make my mortgage payments. I made 9 consecutive payments starting XX/XX/XXXX. It wasn't easy. I had to beg and borrow money from friends and family. I took out high interest rate payday loans and took on odd jobs to ensure that I made the mortgage payments. Due to the late payments I am no longer able to borrow money to help me pay the mortgage. I'm at the end of my rope. I'm trying my very best to avoid Bankruptcy. 
I ask that Shellpoint take in consideration the 9 consecutive mortgage payments and remove the 30 day & 60 day and 90 day lates from all of the reporting agencies. This will allow me to obtain new contracts and credit. My revenue will increase and I will be able to Honor My Commitment With Shellpoint Mortgage Servicing. Thank You For Your Consideration And Your Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: SLM CORPORATION
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX of 2019 I decided it was time to start trying to pay my loans. I contacted Sallie Mae at that time and asked how I would make arrangements for a payment I could afford because I could not afford what I was told my estimated payment would be in the Exit Counseling for my school. 
When I called the first time they told me they could not make any changes until my account was past due ( which would not be until late XXXX ) and at that time my account would be sent to a team that would call me within 3 days of my account going past due to find out what was going on and why I didnt make the payment. They said pay what I can even if it is only {$50.00} the team that reaches out would take care of the rest and be able to go over options. 
After a day I felt like that couldnt be right. I researched a bit and found other consumers that had been told this online and they told me to call back and ask to talk to their solutions team ( thats not the exact name of the team I never spoke to the team as they dont seem to exist ). I called again and was told the same thing. 
Again I felt like this was not correct after a few days and called back 3 more times to try and get more information. I was panicking about what the potential payment would be. The due date came, I paid {$50.00} and no one called. 
I waited about a week before calling and told the women what I had been told ( 5 times at this point ) and she almost laughed and said no thats not how that works. I was transferred to someone that also went on to explain that no they do not have any kind of team that does that and its my fault that nothing was done before my payment was due and I needed to be an adult and take care of my own loans. 
I asked for help and again was told they would get back to me, never happened. I didnt get a call back until an account manager was assigned to my account. Since then I have been belittled, harassed and my explanations of why Im not able to afford the payment requested have been ignored and no options have been offered at all. 

They are now harassing myself, family members, and others that do not know me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Signed up for a new credit card and they said it would not affect my credit score and they pulled a hard inquiry on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage lender has sent me three ( 3 ) different 1099 claiming different amounts on my mortgage interest. As a result, my 2020 taxes were filed with the first one I received indicating I made {$35.00} in interest. Now, I have to file an amended return and my Cpa is going to charge me {$200.00} for this service. Nationstar needs to pay for this since it was clearly their error NOT mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
3 facts ( XXXX report show different account name and balance ; Experian report show different account name, balance and closed ). 
Experian and XXXX have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my Experian and XXXX credit report. Experian has a different account number and different account balance as shown here ( DISPUTED ACCOUNT XXXX XXXX XXXXXXXX {$18000.00} Account XXXX Closed ) while XXXX reported something totally different as show here ( XXXX XXXX Account Number XXXX XXXX Reported Balance {$18000.00} ). 
For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX XXXX of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the Experian and XXXX to correct their mistake. 

I have attached Experian and XXXX reports to show the discrepancies.

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