BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have  XXXX  items on my credit profile that is inaccurate and I have disputed this 7 times and each time the credit bureau says that they have validated and verified that the items are accurate but I know that they are not because  XXXX  of the items is the same creditor with different amounts due and they just updated my credit profile on  XXXX / XXXX / XXXX  adding an additional {$7800.00} owed when this account is over  7 years old. The  last dispute was done  XXXX   XXXX  . (   XXXX  & Transunion ) are the credit bureaus that  is still reporting this item *Twice* The other item that I had disputed was in litigation and should have been resolved due to an consumer complaint I had filed against the company and to no avail has this been verified or validated, just another case of the credit bureau saying that it is valid without further investigation. The amount is inaccurate because this item should have been removed due to the litigation. I have been disputing this item since  XXXX  and the last dispute was done  XXXX   XXXX   (  XXXX  &   XXXX    ) are the credit bureaus that is still reporting this item.     The final item is another case through the    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and a vehicle that was sold to me was sold as a vehicle that had passed emissions and to later find out that the vehicle could have caused a fire and put my life in jeopardy, which I filed another consumer complaint with the   XXXX   XXXX   XXXX   XXXX   XXXX    and  their emissions department. I had  an independent Arizona State  official emissions officer inspect the vehicle and had not seen any  prior emissions records that was done prior to selling me the vehicle which I have submitted documents to   XXXX   who is reporting this item to verify and to no avail I was unsuccessful in the validation/verification of any findings. I have been disputing this item since  XXXX  and each time I try to resend the information for verification their response is that the item is valid. The last dispute was done  XXXX   XXXX . The down payment was refunded  XXXX   XXXX  in the amount of {$1000.00} after disputing the problems with the government agencies.

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 2017-06-21
Company: Professional Credit Management, Inc
State: AR
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:
upon reviewing my credit report, XXXX and XXXX, I found numerous instances of collection companies not licensed in my state, trying to collect and reporting on my credit file. I am a resident in Arkansas and have been for the last 4 years. I have also asked for validation of these debts from them 2 times, from XXXX and XXXX, and I have never recievced any documents from them verifying that the debt is in fact mine. XXXX has deleted these accounts from their report, stating that they could not verify them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit score is XXXX at the other credit bureaus but experian is refusing to acknowledged this and put false scores on my experian report and refused to fix my score and update my score.

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 2023-05-20
Company: CNG FINANCIAL CORPORATION
State: CA
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:
I am disputing an account with AXCSSFN/CNGO on my XXXX report. This account has been reporting for six and a half years as valid with no proof that it is mine. I have called XXXX and also the creditor and they dont even have have my information to match who I am. I would like this account removed also because its reporting blatant inaccurate information on my report. Im taking this higher because XXXX never did a thorough investigation on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently submitted a complaint # XXXX, in which I requested Transunion refrain from sharing my personal private data. The response was incomplete, inaccurate, evasive, excessively wordy, off topic and most of all completely failed to be answered. Allow me to be clear as possible, the request did not pertain to the accuracy or validity of any account ( s ) on my private personal consumer report, but in fact to stop publishing my person private data without consent.

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 2017-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I  XXXX   XXXX  files a dispute with the Consumer Financial Protection Bureau to request a review that my rights to a mortgage modification be protected. For approximately one year I had an attorney file two Chapter  XXXX  bankruptcy petitions on my behalf, when all along I could have been protected by the expanded Fair Debt Collection Practices Act of  XXXX   XXXX ,   XXXX  . There was no reason for me to be personally injured as far as my credit standing goes, since a mortgage modification would have been so easy to accomplish. For this reason, I want  Wells Fargo Home Mortgage on notice that I will be submitting a full modification package, requesting principal reduction and a placement of back interest to be applied on the back end of my mortgage. Since I will be request a modification package, I request that Wells Fargo Home Mortgage respect my rights and maintain a hold on any foreclosure notices as mandated by the Fair Debt Collection Practices Act. Accordingly, I place this notice so that the Wells Fargo Home Mortgage division is aware of the seriousn ess in my modification request.

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 2022-03-26
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote ERC a debt validation letter for them to prove that the alleged debt belongs to me, they have not sent me any documents that I requetrd for them to send to me, further there based out of Florida and Im based in XXXX  ga. They dont have the right to collect in my state, furthermore there in violation because I sent them I cease and desist letter and they still contacts me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent Outsourcing, a collection company assigned from XXXX reports my account as current and delinquent. 

This was a XXXX Account that was closed XX/XX/2015. My payment on this account was never late. I closed the account and returned my phones. XXXX reported my account in bad standing before they issued me a final bill or gave me credit for my returned phones. 

Every year I dispute this on my credit bureau reports. Every year they report payments history like this was a current or recent account. 
My complaint is that the credit bureaus allow this. My perspective creditors don't see a 6-year-old account. They see a newly delinquent account. This is incorrect. XXXX 's name has been completely removed from the history. I never conducted business with Convergent.

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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-09-03
Company: Experian Information Solutions Inc.
State: VA
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:
The Department Of Education along with Experian have falsely reported on XX/XX/XXXX on 3 separate accounts as current collections as of XX/XX/XXXX. This information is completely incorrect and inaccurate as these accounts were opened on XX/XX/XXXX, went into default in XX/XX/XXXX, were paid in full before collection and are almost 7 years old. This new information as Experian is calling it dropped my score 62 points! This is an outrage and completely unacceptable. Considering that a creditor reporting false or inaccurate information on a credit report is illegal I need all 3 of their trade lines permanently removed from all 3 credit bureaus effective immediately. I am consulting with my lawyer on damages on this matter pending removal.

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 2023-08-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir /Madam I am a customer with Td Bank under mortgage loan XXXX XXXX for property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received the attached Escrow Account Discloser statement dated XX/XX/XXXX as it was printed XX/XX/XXXX. BUT I RECEIVED IT BY MAIL XXXX. ( I do not understand why it was printed XX/XX/XXXX and it took a year to mail to me on XX/XX/XXXX?? ). The Statement showed escrow shortage amount XXXX otherwise my monthly payments will be interrupted and changed, however I contacted customer services to make full payment amount of {$1200.00} by wiring from my personal bank account, and it was deducted from my bank account. 

The surprise is on XX/XX/XXXX ( JUST TWO MONTHS LATER OF MY ESCROW SHOTAGE PAYMENT XX/XX/XXXX ), I received ANOTHER Escrow Account Discloser statement dated XX/XX/XXXX printed on XX/XX/XXXX. The 2nd letter also shoe ESCROW SHORTAGE amount {$2000.00}. 

I contacted TD Bank customer services several times seeking correction or explanation of why my loan account faces escrow analyses TWICE A YEAR while the regulations required once a year analysis NOT EVERY TWO MONTH!. NO ONE WAS ABLE TO HELP ME. All I am looking for is to review my mortgage account since started XX/XX/XXXX through present based on : Full annual payment submitted to insurance companies and city of XXXX XXXX tax assessor office. Remember TD Bank charged me shortage every year, I do not know how it works this analysis. I will attach tax payment to the city of XXXX XXXX since XX/XX/XXXX through present for the above loan number, bank has the insurance payments record. Please help me and have the bank update my payments and provide me with the updated amounts of escrow payments required to be submitted or credit it back to me. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XXXX, I applied for a XXXX credit card through XXXX XXXXk. I was immediately denied credit. The reason was that my credit score was XXXX. I did not think that was correct. I pulled my credit reports only to find my lowest score was XXXX. Where did they get the information? Now I can not apply to anywhere else because I do not know this information came from.

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 2017-05-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To Whom It May Concern : On the fourteenth day of XXXX, XXXX, I entered into a verbal agreement with Navient to provide me with a specialized one month forbearance plan for my private student loan, if I were to enroll in AutoPay. The representative proceeded to read me the guidelines and policies of the agreement over the phone, and asked me to verbally agree to them in order to enroll in this one month forbearance agreement. I agreed over the phone and was informed that for the month of XXXX, I would NOT have to submit a payment to Navient. That by enrolling in the XXXX, it would bump the XXXX payment out, and Id be responsible for resuming payments starting back in the month of XXXX. One week later, I received a correspondence from Navient ( via email ) that the Forbearance was not approved because I am enrolled in their rate reduction program, and that program does not allow any form of forbearance. I immediately was confused and highly frustrated as I was just informed by the representative one week prior that my forbearance was approved and I would not be responsible for a XXXX payment. All that Navient did was apologize for the misunderstanding but they are no longer sticking by the verbal agreement made between myself and Navient on XXXX. Instead, they are requiring me to pay for the month of XXXX. When I called to complain about this in XXXX, I requested to have the audio sent to me of the conversation had between myself and their rep, so that I can prove that we entered an agreement over the phone, they denied me of that audio stating that its their property and they arent allowed to share it. They also never sent the approval letter of the one month forbearance so I have no record of the agreement besides from the phone call. However they sent the denial letter one week letter, what a coincidence. Needless to say, I should not be responsible for the XXXX payment. Regardless of whether it was miscommunicated or not, they had an internal communications error that I now have to be responsible for. On top of this, Ive asked countless times how I can go about getting my co-signer released from my account, and to no avail, they are never able to offer me any options. Instead they say that there arent any options, that the co-signer has to stay on for the life of the loan. I just find that very odd, and very hard to believe. I would like my co-signer released so that Im the only one contacted and responsible for all things dealing with my Navient account, no one else.
Navient has had a poor history of countless accounting errors, miscommunicating policies and providing unrealistic options to its consumers and Ive had enough of letting them get away with it. Please help me get this resolved! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX there was a fraudulent charge on my best buy credit card. I had not used this credit card since the previous year in XXXX of XXXX, and the card had been completely paid off. The fraudster had somehow gotten access of my card and account information and used it to purchase a XXXX blender for the total of {$280.00}. They also attempted to purchase other items, but those did not go through. When I received the email confirmation about my order, I immediately went to my online account to cancel it. By this point I was unable to cancel the order and the button was grayed out for me to do so. I called the Best Buy customer service number and informed them of this fraudulent purchase. The service representative assured me that this would be looked into and that my account would be closed, they also asked me if I wanted the current account closed and a new one opened, as well as a new credit card issued to me. I said NO, as I had the previous card paid off already and did not have further plans in using their services. About a month later in XXXX on the XXXX I called again to check the status of the fraudulent case as I had received an email of by card statement and it's due date. The representative that I spoked to informed me that the first account was closed, but the second account was open. Although I had said no to a second account being opened in my name, the first representative I spoke to in XXXX did so regardless. I asked the representative I was speaking to to close the second account as well, and they informed me that the investigation was underway and to not pay the balance on the account. I followed those instructions, and continued to not pay this balance. I called again in XX/XX/XXXX regarding the update to this, but they had acted like I did not inform them of this in the first place. By the final time I called on XX/XX/XXXX I requested to speak to the fraud department with citibank that best buy credit card services are contracted under. I informed the agent of everything that had happened, and she told me that she would flag this for investigation. On XX/XX/XXXX Best Buy security operations sent me a letter that they had completed my investigation and based on their review I was responsible for the charges due to the fact that I did not identify disputed transactions. This is completely false as I had only one transaction on the credit card and informed them of the item purchased and the total for 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 non-monetary relief
Consumer complaint received 2021-07-08
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Cain & Weiner sent me a letter full of FCDA and FCRA violations after I sent them a cease and desist letter and affidavit telling them to remove all things off of my credit report. They caused defamation of my character, destroyed my reputation by submitting data on my consumer report without my consent which they stated in there letter. And stated they were attempting to collect a debt even after they deleted there reports. They admitted to there wrong doing and agreed they were in the wrong to all forms I submitted to there company. And it caused me to miss out on a lot of opportunities such as car loans, house opportunities etc. due to there mistakes. I am seeking Remedy of XXXX per violation with a total of XXXX and XXXX for assessed damages of emotional stress, defamation of character and unseen injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
That creditor conducted this investigation without permission and without authorization! This needs to be taken out as soon as you can.

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 2023-05-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank has made it quite difficult to make loan payments. First, there is no way to schedule regular withdrawal from another bank besides Fifth Third Bank. Therefore I have to schedule a payment for each month. This not not consistent with any other bank I've worked with in the past for my mortgages and increases the risks for people to miss a mortgage payment on accident. 

Second, the only way to contact the bank is by phone or in person. In the digital age, there should be a process to interact about banking by email or chat. This again increases the chances for people to miss payments or not address issues that could negatively affect them financially.

Company response to consumer: Closed with explanation