BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am submitting another CFPB Complaint to you today to request once more to thoroughly investigate my Credit File and correct the erroneous information you report on my Credit File. Under the Fair Credit reporting Act, you must investigate a consumer 's Credit File and correct the erroneous information. I checked my Credit File and I see no changes at all. You have not complied with the request and the federal law. You continued reporting the disputed accounts as if they are accurate and verified. I previously requested that you send me copies of your investigation but you have not! I, once again, would like to request that you correct the following accounts as soon as possible ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand you to comply with the Federal law and have the disputed accounts corrected as soon as possible.

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: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: Quick Debt Services LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX I recieved a phone call from a 3rd party servicer called Student loan support center.On XX/XX/XXXX I made my first payment of {$59.00}. We made an agreement that every two weeks until XX/XX/XXXX i would pay them {$59.00} and these funds would go toward my student loans to get it out of default. They failed to mention that this was a service charge.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-07
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CashNetUsa is trying to collect a debt in which I never did any type of business with this entity. This company does not appear on credit report. This is a fraudulent account. This company is trying to take advantage of me because of my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My mortgage originated XX/XX/XXXXXXXX  with XXXX XXXX which was included in a XXXX  XXXX Bankruptcy and the debt was discharged XX/XX/XXXX. I am still residing in my home as I chose to " pay and retain '', however DID NOT reaffirm the debt nor did the creditor obtain a relief from the automatic stay. 

On XX/XX/XXXXXXXX  my mortgage with XXXX XXXX was transferred to PHH for servicing. Although XXXX XXXX discontinued credit reporting as required under the bankruptcy laws, PHH unfortunately resumed reporting my mortgage balance, payment history, etc. to all XXXX major credit bureaus. 

After consulting with an attorney about this, I have been advised that the credit reporting of the account by PHH is a direct violation of Bankruptcy Code. See 11 U.S.C. 362 ( k ) and willfully violates the automatic stay as this violation injures an individual. The law also requires the creditor to pay the individual actual damages, including costs and attorney fees, and may be required to pay punitive damages to punish this violation.

Before I pursue legal action, I am requesting that PHH provide me with supporting documentation verifying how they are able to report my mortgage to the credit bureaus when the debt was successfully Discharged in a XXXXXXXX XXXX  Bankruptcy, not reaffirmed and Relief from the Automatic Stay was NEVER obtained by the original creditor? 

Prompt and immediate attention is greatly appreciated. 

Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are a predatory lenders who are intentionally reporting erroneous late payments for XXXX and XX/XX/2022. 
1 ) For XXXX, XXXX and XXXX of 2022, I entered into a hardship program with XXXX. My payments were interest payments around {$78.00} agreed upon by the XXXX finance departments. Every conversation is recorded where it was explained to me that once you enter into a hardship plan, your normal payments against the balance are place at the " END OF THE LOAN ''. When I would expect to pay back a larger amount when the loan closes. However, someone at XXXX keeps placing those hardship payment totals back to the FRONT of the loan. And during this hardship time, XXXX can not submit any NEGATIVE reporting to the credit bureaus. This is against their own policy. After 3 months of hardship payments, I resumed my normal payments between $ XXXX per month. I did that. 

2 ) Once in XXXX 0f 2022, my bank ( XXXX ) returned my payment, Once I became aware, I made restitution right away. XXXX went straight away and erroneously reported 60 days late twice and 30 day slate twice. Knowing that until then I had never been late, nor missed a payment. 

3 ) XXXX blocks my payment history from my view online for anything past the most recent 4 months. I can not prove to them their error because I can not review what they're reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
On XX/XX/26 I called and spoke to XXXX with Loancare and explained I was submitting a mortgage assistance application for a XXXX  plan. I submitted a hardship letter with an explanation that my foundation needs to be repaired at an estimated cost of XXXX. I need to be out of the house and pay for other living arrangements. I was told I would be reviewed for a XXXX  plan. I called on XXXX and was told by a representative that I am only be reviewed for a loan modification. A loan modification will not help me at this point.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. Portfolio Recovery Associates, LLC {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: BANK OF THE WEST
State: SD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My father and his XXXX children ( I am one of them ) needed to remove his name/cash in 4 CD 's. The process of cashing in these CD 's at  this location was long with no cooperation what so ever by the bank president or staff. The only alternative allowed us was to cash in CD 's outhside of the 10 day grace period therefore subject to penalties. These CD 's had been in this location for 28/29 years. The penalties charged were 3 % of face value on 3 CD 's with 12 month renewal and 1 % of face value on 1 CD with a 6 month renewal PLUS a {$25.00} per CD fee. The fees taken ranged from {$100.00} to {$670.00}. Also, the rate of interest receiving on these CD 's ranged from .08 % to .15 % which in our views should/is their current rate of interest since they were auto renews. Our calculations show that of the 28 years these CD 's were invested in this bank - their penalty fees took 19-20 years of interest away from the CD holders. This is outrageous. We currently worked with 4 banks and this bank was the only one that very obviously screwed its customers with their outrageous penalty fees and lack of customer service. Keeping in mind this bank was using these funds for 28/29 years at a much higher interest rate than .15 % and they now are taking away 20 years of interest income at a ridiculously low interest rate.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to address a matter of utmost importance regarding the reporting of the account under creditor XXXX XXXX XXXX with the account number XXXX. Despite my diligent efforts to communicate the inaccuracy of this information, it continues to be furnished on my credit files. 

This account has already been deleted from the XXXX credit bureau on XX/XX/2023. When are you going to delete this on your side? 

Having an inaccurate negative item on my credit report unfairly impacts my credibility as a consumer, potentially leading other creditors to form misconceptions about my financial responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: Metacorp LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was in the process of switching phone carriers and I recieved a call from my husband saying a debt collector called him and was very persistent i then got my phone on the same day and my friend XXXX called me and told me that they called her to that day then my mom called and they had also called her and ask for information and they repeatedly tried to harrass my friends and family with calls within 24 hours. I spoke with them this morning, they had no reasoning to be calling everyone in reguards to my debt and it has become embarrassing and upsetting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Act # XXXX and 1 other XXXX XXXX acccount I don't have the account info has violated my rights. 

15 USC 1681 section 602 states that i have the right to privacy 15 usc 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction or permission and they do NOT have it.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Transition violated my rights leaving my data opened for hackers and false information concerning background. Thus causing me loss. Transunion do better

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
FCRA Violation: name and address not mine
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

FCRA Violation: credit card never late
XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation: hard enquiries not mine
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


FCRA Violation: Collection not mine
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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or Between XX/XX/2023 and XX/XX/2023, I was informed that a collection entry was erroneously reported to TransUnion. As a result, my transunion credit score dropped XXXX points. Following clarification with the original creditor, XXXX XXXX XXXX who promptly ordered the collection company ( XXXX XXXX ) to REMOVE/DELETE the collection account from my credit report. Between XX/XX/2023 and XX/XX/2023, This XXXX XXXX collections account ( Account Number : XXXX ) was removed from my credit report. However, despite the removal of the erroneous collection, my credit score has not been restored to its previous state.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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 account numbers 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. states a consumer reporting agency can not furnish a account without my written instructions and Experian has been updating incorrect information 's on my reports all the time ranging from invalid addresses and accounts that I had to dispute multiple times before.

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 2021-08-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To whom it may concern : I have been in constant communication with the credit reporting agency Experian, in regards to a fraudulent account that was suppose to be removed, after me promptly submitting all supporting documentation at or around XXXX or XXXX of XXXX. The fraudulent account that is currently in dispute is XXXX XXXX. It is negatively impacting my credit worthiness and defaming my character. On XX/XX/XXXX, I spoke with fraud specialist XXXX within Experian 's Special Services, in regards to this particular matter. XXXX exclaims that she is unable to block the fraudulent account in question, simply due to it being blocked once before and it being removed, to be added back onto my credit report. Furthermore, XXXX explained that the block was removed and the item was reinserted back into my credit report in XXXX of XXXX. Per the FCRA, I am suppose to be notified no more than 5 business days after the item has been reinvestigated and added back onto my credit report ( FRCA 611 ). I explained to XXXX that I have not received any correspondence via email or USPS mail, advising me of such changes taking place. Unfortunately, I do not have any correspondences, stating that XXXX XXXX has been deleted or reinserted back into my credit report. XXXX, too, reinvestigated such findings and was able to determine while on the phone with me today, that she too does not see, where I was notified via email or by mail that the fraudulent account with XXXX XXXX has been removed or added back to my credit report in XX/XX/XXXX. 


The other credit reporting agencies XXXX  and XXXX, have effectively communicated with me their findings and determinations of the same account in question. They, too, have promptly resolve the concern and XXXX XXXX is no longer reporting for XXXX and XXXX 

Due to Experian 's negligence and improper adherence of the Fair Credit Reporting Act ( FCRA ) of not properly notifying me of XXXX XXXX 's removal or reinvestigation to re-adding the account back into my credit file, I am asking for the Consumer Financial Protection Bureaus to enforce the law regulated by the Federal Trade Commission and to permanently block/remove this account from my Experian credit report immediately.

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 2023-11-29
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In the month of XX/XX/XXXX  I got a letter taped to my window of my home from a third party company that Mr. Cooper hired to do a home inspection unbeknownance to me I called the company on the letter XXXX XXXX XXXX to find out and validate this notice as it seems as a scam. When I called they never provided me with information only that they were sent out by my mortgage company. I contacted Mr. Cooper for validation and clarification to no regard the representatives would not provide me with information. On XX/XX/XXXX  the " inspector '' from XXXX XXXX XXXX broke into my home through a side window gained entry into my home and placed these index sized slips throughout my home of it being winterized. My neighbors witnessed the three XXXX  men in my back yard and leave my home taking my generator. I filed a police report and contacted my mortgage company Mr Cooper in the presence of the officer and with the phone on speaker phone during this time I was made aware that Mr. Cooper hired this third party entity and never communicated anything to me which has cause mental anguish to my family also a safety concern. I have extensive damages to my property and I no longer feel safe in my home due to Mr. Cooper illegal unethical practices to borrowers. I am a participant of the Louisiana Home Owners Assistance fund and the company have made payments on my account to date Mr. Cooper refuses to apply to bring my mortgage up to date. I have mailed in payments by money order and the company takes weeks to apply it towards my account. Have money order dated receipts and I am seeking assistance in this matter. This has caused me a lot of distress.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: In progress