BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, I paid off the remaining balance on my fouXXXX XXXX XXXX XXXX XXXX accounts with XXXX XXXX XXXX XXXX XXXX ) totaling {$2200.00}. In XX/XX/XXXX, my FICO score was XXXX and XXXX in XX/XX/XXXX. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX. In addition to the negative scores, my online credit information from XXXX and XXXX XXXXXXXX XXXX indicated the factors damaging my credit were : Serious delinquency Presence of serious delinquency on one or more accounts TransUnion and XXXX to remove and correct all inaccurate information and any references to the negative reporting of Adverse or Negative and Maximum Delinquency of 60 days and NOT_MORE_THAN_THREE_ PAYMENTS_ PAST_DUE on all 4 XXXX XXXX XXXX tradelines from my credit file. The negative reporting on all 4 XXXX student loan tradelines are incorrect for several reasons : a. Existing information on XXXX website ( Loan Details ) cites 0 Days Delinquent during term of student loan repayment. 
b. The OK/Current payments recorded in TransUnion and XXXX Tradeline Payment History XXXX XXXX XXXX 0 Days Delinquent information indicated in the Loan Details from XXXX website XXXX 
XXXX XXXX XXXX Summary Details for Account Status , labels all XXXX XXXX tradelines as being NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE, and TransUnion of 60 Days Past Due Date XX/XX/XXXX, contradicts the OK/Current data recorded in the Tradeline Payment History chart sections for both credit reporting agencies. 
d. In the XXXX and TransUnion XXXX XXXX XXXX XXXX, the XX/XX/XXXX ratings section is omitted ( this is the month the loan was paid and closed ) and instead the Tradeline Payment history chart ends XXXX XXXX is marked with OK payments for XX/XX/XXXX and ALL months prior. 
e. My account can not be 60 or 30 days ( both less than XXXX payments ) past due in XX/XX/XXXX when the prior months of XX/XX/XXXX and XX/XX/XXXX are deemed OK/Current ( Due date on XXXX accounts were the XXXX of every month ( there are only 30 days between XX/XX/XXXX, and XX/XX/XXXX ). 
TransUnion and XXXX should have immediately flagged the errors and inconsistencies by requesting XXXX to validate or provide the correct data before incorrect or false information is added to my credit file. My credit has been irrevocably damaged causing me great harm. With poor scores and negative information in my file, for the next XXXX years or XXXX I will be unable to secure credit, a lower interest rate, any additional lines of credit, a mortgage for a home, or obtain an auto loan. On XX/XX/XXXX, I was already denied a loan from a company with whom I previously had a line of credit which I paid-off in XXXX of 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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a XXXX XXXX XXXX veteran. 
XXXX the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted XXXX they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that XXXX was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted XXXX by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at XXXX that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this 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 explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-28
Company: MOHELA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am in the Public Service Loan Forgiveness program and need to sign up for a repayment plan that maintains my eligibility for this. The Loan Simulator on the studentaid.gov website was very difficult and wouldn't account for my husband and I filing jointly, not having our individual XXXX  ). 

I called my loan servicer, MOHELA, for more accurate information -- but they did not tell me I could self-report and use my income from XXXX for up to six months. They asked for my XXXX from XXXX and then could not calculate an accurate estimated payment because I didn't have my individual XXXX, just my husband and I 's combined XXXX, since we filed jointly. It was not at all a payment amount that was accurate, but they told me to apply online with this information anyway. I knew the window for applying for a repayment plan was closing soon, so I did what this person told me, but it's still processing -- my application that is, and my " payment '' is due in 2 days, but I don't know how much I owe and they have not put me in administrative forbearance. 

They also couldn't confirm whether or not the payment I was to make XX/XX/XXXX ( which was based off my old repayment plan in XXXX ), would count towards my PSLF if they didn't process my repayment plan application by XX/XX/XXXX. 

I called today and was on hold for 5 hours and 51 minutes and then was disconnected! I took all day off to deal with this and then was hung up on. MOHELA had so much time to prepare for repayment and they're botching this. They're causing so much undue stress and financial trouble for student loan debtors. Please do something! WE NEED 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 2021-11-16
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:
Hello, Ive submitted several disputes as well as info needed to confirm that the creditor XXXX  XXXX  XXXX XXXX  XXXX  on my credit profile hasnt been fully verified and validated as accurate. I have been a victim of identity theft and have been trying to clean up all errors and fraudulent activity on All three credit bureaus have received the same information as of XX/XX/21 Transunion has taken the necessary steps of deleting the fraudulent and erroneous information. XXXX and XXXX are the two bureaus that are making this difficult and arent lifting a finger outside of their electronic system to confirm the validity of the information being reported by XXXX XXXX {$500.00} on my reports. Nationwide collections on behalf of XXXX XXXX {$450.00}, As well as an erroneous bankruptcy that is being reported. They have failed to fully verify the information and remove. 

They hide behind their electronic systems and they need to actually work on behalf of the consumer who files the disputes and assist them with correcting the errors. We work hard to assure we have a strong credit history and should be safe guarded from these mistakes.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
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 XXXX I never obtained this account and also how can a person obtain an account on two different days and then the same date its last reporting was the same day the account wa closed, that doesn't make since. this company stole my information and refuses to fix the error. I have been sending in disputes for months and they get rejected in a day or the company responds back verifiable within any written notice and without any supporting documents. I don't even know what information was used to obtain this account nor does any of the information on my credit report matches this information and that is one of the regulations and guidelines any business or consumer to have update information or accurate information across all three bureaus and this is not the case. please have a human review my request and not an automated system or machine and also update and send any verifiable documents with notary signature and matching ID used at time of purchase or delete this fraudulent account.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am a co-signer on a 2021 XXXX XXXX, my mom was the signer. I was struggling with financial hardships and didnt have phone service in the month of XXXX when I got a text from my mom stating wells fargo wanted to repossess the car. I asked her to call and ask what we can do to stop that and they told us to make a payment of {$800.00} and that they would pause the repossession. I got up the money and I made the payment by XXXX. XX/XX/XXXX came around and around XXXX they came and took my vehicle. When calling WF they stated that they were so sorry that happened, and that theyd put it under review. We called again, they asked us to make another payment to get the car back but it was still under review. Called a couple days later & come to find out, they didnt put it under review they went off and sold it and it was too late they were just trying to get more money from me. They put in an incredibly horrible bind and I am now without a car and unable to go get another one due to this. What a horrible corporation.

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 2018-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX I have no idea how they received my phone number to call, but i did notice that they have accessed my credit report without my knowledge and consent. if they call they go to my voicemail due to being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-19
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received a letter in the mail on XX/XX/2023 and the document says it was sent XX/XX/2023. 

The letter claims I owe the amount of XXXX of medical debt from XXXX years ago. The company is attempting to collect the debt for XXXX XXXX XXXX XXXX in XXXX XXXX. The debt collector is Capio Partners LLC I believe I do not owe this debt as I always pay my bills on time and correctly. This notice does not say I can dispute the debt or anything about how to discuss correcting other than paying online or over the phone. 

I tried calling them on the number listed and it is just a robot answering service. The call dropped halfway through and then again when I called again. It was an automated answering service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The only collection on my credit report is a medical debt placed with all three credit bureaus in XX/XX/2022, dropping my score by over 60 points. To my knowledge the debt was not verified. Further the debt is less than {$500.00} and should be deleted. I've disputed the collection twice with Equifax in the month with the same result : the debt remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: GA
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. 

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 has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

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 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 that 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 non-monetary relief
Consumer complaint received 2023-06-12
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:
This is my Follow-up endeavor 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 items 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 alleged fraud or extortion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$640.00} ; XXXX XXXXXXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: Butler and Associates, PA
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I am writing to report a complaint against the company ( " Butler and Associates, P.A. '' ) for unethical debt collection practices. I first received notice about collecting debt on XX/XX/XXXX to the amount of {$310.00} ( principal + interest ). To which I responded with a letter requesting additional information, including who they are, state licenses to collect, itemized debt information, creditor information, debt validation information, and other information ( attachment A ). 

The company did not adequately respond to this request, so I sent an additional letter ( attachment B ). The second letter specifically stated for them to not contact me further regarding this supposed debt, until they have provided all the necessary documents to assess transparency and debt validity. 

I did not hear back for 10 months. On XX/XX/XXXX, I received a letter with debt notice with amount of {$330.00} ( principal + interest ) and the statement that if I don't validate within 30 days, they will assume it is valid. I have already disputed this and they acknowledge the dispute by sending a letter back on XX/XX/XXXX. 

Why are they attempting to collect now after 10 months? Is this an attempt to have interest collect on this debt? Why are they pretending that the debt wasn't already disputed?

Overall, my main complaints against this company is 1 ) lack of transparency about who they are and their clients ; 2 ) failure to conduct the debt validation process with their clients ; and 3 ) their continual harassment without providing information. 

Thank you for your consideration, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The loan was with XXXX XXXX XXXXXXXX and then about 1 1/2 ago this bank called Selene finance company took over my loan and I have been trying to get a modification for about the last year and I have not been able toso they have filed for foreclosure on XX/XX/2023 I have filed the mediation paperwork for mediation I have not heard back from anyone yet and today is XX/XX/2023 my address is XXXXXXXX XXXX XXXX XXXX I have also applied for assistance with Nahac and they denied my application after what until I was passed due in an amount that they would not cover I have not heard nothing from this bank that is supposed to be carrying the loan at this present time me I feel like there is type of fraud or something I literally am asking for assistance with my home I have been in this home for 16 years and I cant seem to get any assistance.. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Nevada

Company response to consumer: Closed with explanation