BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX to creditdisputes Hello, I have tried again and again with the XXXX XXXX XXXX and XXXX to get supposed delinquint accounts from RBFCU Removed from my credit report. About 6 years ago or so RBFCU spoke to me about ways to build my credit. I GAVE RBFCU {$10000.00} that was put on freeze and i was given a " secured loan '' of my own money that was being " paid back '' to istelf in order to build credit ( loan reference # XXXX ). A little while in, times got rough and I had RBFCU pull out of it. For some reason I have a delinquent report showing about 4-5 months worth of late payments on my credit profile .... but that does not make sense since I can't be delinquent with a fully funded account that I gave XXXX towards .... its hurting my credit and I would really appreciate it If it would be removed. 

There is another account ( XXXX ) during the same time frame that is also hurting my credit report, and as I closed the first aforementioned account, I did the same with this one... so it should have been closed and not trying to pull, ending in another bad report on my credit... 

Any help would be greatly appreciated THE ABOVE IS COPY AND PASTED FROM EMAIL I SENT TO THEM ) I have tried to dispute through the company, through XXXX XXXX and all of the credit reporting agencies as well all with no recourse. 

The bank is Randolph Brooks Federal Credit Union in XXXX XXXX Texas. I currently still bank there with business accounts ( Several ) as well as personal account. I have called several times for a few years and they say there is no way to speak to someone about my issue. Only through email which I have tried over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13
Company: Stanislaus Credit Control Service, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stanislaus Credit Control is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.  Stanislaus Credit Control is in V iolation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and th e HIPPA La w!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: T.S. Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
(XX/XX/2023 ) I attempted to log into my account online and it is locked. I called the agency, asked for my account to be unlocked then spoke to them to see if a negotiated amount to resolve the account is an option. I was given an amount and stated I needed to checkmy finances and will call back or log into the account and resolve the matter. They were pushy and adimate they would stay on hold while I checked my bank. I explaned this is not a 30 second decision and I need to look over other bills before I make my decision and I would still like my account to be unlocked. They still were very pushy and I ended the call. 

( XX/XX/2023 ) I attempted to log in to my account, it was still locked. I received a phone call from the agency wanting to review the offer, I stated my account is locked and I would like it unlocked. I was told no to unlocking the account. I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-28
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:
XXXX XXXX XXXX XXXX is reporting inaccurate late payments on my reports that I have been disputing for quite a while now. I have sent multiple disputes to each credit bureau regarding this account because they are reporting very inconsistently. There are inconsistent late payments reporting for XXXX, XXXX and XXXX of XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. There also different last active and payment dates reporting for this account between each bureau. If each bureau receives their information from the same place, how are they all reporting very different information? It is the responsibility of the consumer reporting agencies to verify and report accurate information which they have clearly failed to do and are in violation of the law. I am requesting that these inaccurate late payments be deleted from my reports now!

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 2023-07-28
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The statute of limitations has expired on my debt and the original creditor sold the debt to a collection agency which by law they had no right to do. Now the collection agency has put their account on my credit reports which they are not allowed to do because this was a time barred debt that has expired. They are also trying to collect. I would like some help with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
RE : Requesting a Method of Verification Letter Dear Transunion I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a  transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved 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 explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 has violated my rights. Or list of inquiries 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 a consumer reporting agency can not furnish a 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 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 response to consumer: In progress
Consumer complaint received 2021-08-03
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I had a XXXXXXXX XXXX XXXXXXXX Credit Card, I had to file a bankruptcy and out of the XXXX XXXX reported to Equifax that I was Deceased. I have pulled other credit reports and XXXX is listed but only reported to Equifax that I was deceased. I contacted Equifax and that is how I found out. I did what Equifax asked and sent them information. I also sent the Information to XXXX. Each time I contact Equifax it ends up with me getting so upset -- first they said they received the paperwork and I believe they did as they started reporting my credit for a week or so. Then they were back to not reporting. So I called again and they said that XXXX had once again reported me deceased and they were reporting it monthly. I went round and round with Equifax and they keep me temp locked out of my account -- I filed a dispute like they told me but then can't get back in to check. Each time you call them you get a different person and they all say different things. I have talked with XXXX and they helped me out after I sent paperwork. I have messages in my XXXX account where they said they sent the info to Equifax in XXXX of 2021 and yet Equifax ( XXXX ) told me just yesterday they have not received anything from XXXX -- but then again he told me that I never sent them anything either -- but I did. He was of no help, would not even try to get me online to my account, it ended up badly with me cursing before I hung up. I called back today and got a woman, I could not understand her and she would not repeat her name. She said she would start a dispute for me over the phone after she got me signed back into my account. First of all she had the e mail wrong -- not sure how after they have sent me stuff forever but today magically it was wrong. When I corrected her she then said that she could not let me in the account as my e mail was registered to XXXX ( XXXX ) but I told her it is not, I had this e mail way before I was married to XXXX -- we even went online to double check that somehow he was not attached to it and he is not -- all info is in my name -- the account was made years ago. Then she went on to say that the Equifax account was also in XXXX 's name -- it is not. I made the account to deal with this issue. I keep getting the run around. I complained to the XXXX  and Equifax came on with the same ole same ole saying that I need to call them or to sign in online -- neither of those help and I have called multiple times only for them to say I have not called and I still can not get online. I just want Equifax to check this -- all the other credit agencies are reporting my credit correctly -- XXXX has reported to them and I do not see anyplace other then Equifax that it says I am deceased. I believe that Equifax got the information from me and XXXX but for whatever reason they are not fixing the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
Hello, I have requested my consumer report from lexus nexus on XXXX, XXXX, XXXX and now again on XXXX. I have not been able to receive that report, I have called and suspiciously they are asking me what i would like to dispute on my report. I am not going give them that information until I have a copy in my hands. I wont provide that information they can make changes to the incorrect data to say they are reporting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Earlier in the year ( around XXXX  ), I started conversations with my mortgage servicer ( lakeviewloanservicing ) about removing my PMI. The first agent who I spoke to regarding the amount I need to pay to remove PMI put me on hold and never came back. The next one gave me a number ( {$11000.00} - see XXXX statement attached ) and told me to pay to principal and then to send a subsequent email to ask to remove PMI. I conducted the exact tasks and then saw no movement and the PMI remained and I received a letter over a month later saying it can't be removed but no clear explanation why. So I spoke to another agent who gave me a different quote ( saying it should be 78 % instead of 80 % ), then another agent that gave me yet another quote. I then spoke to a supervisor to explain that nobody is able to tell me what to pay to remove this PMI. The supervisor also didn't know and had to open a ticket as they did not know how to calculate the amount to remove my PMI. They eventually send me a table from XXXX XXXX and told me to work it out for myself. While this is going on, I have incurred 2 more rounds of PMI payment. I finally figure out the amount myself from the Fannie Mae table and paid yet another large amount ( more than double the original quote - i paid another $ XXXX - see XXXX statement ) at the beginning of XXXX. I finally got a letter mid XXXX to say it has been removed. My payment due for XXXX then dropped by {$200.00} ( the PMI amount for my XXXX payment - due XX/XX/XXXX ) then during XXXX I get an escrow analysis letter saying my payment for XXXX is jumping up by {$270.00} ( see XXXX statement ), partially for property taxes but the PMI reappeared. I complained yet again and they said it needs 30 days from PMI removal date to reflect in my escrow. We get to 30 days later and its still there so I call again and they said they will have it removed by mid XXXX. my XXXX XXXX it hadn't been removed so I call again and they say they will escalate it to be resolved within 24-48hrs so it doesn't end up in my XXXX payment. They didn't and now I have had to pay the extra {$200.00} yet again for XXXX. 

I can not seem to get this company to remove my PMI although I have paid all the amounts required. They keep promising but it is not going away and it is costing me {$200.00} per month. I have now overpaid PMI for many more months than I should have ( between them not being able to calculate the amount and then when I finally figure out the amount they cant seem to administer it ). I called again today to ask why it still hasn't removed and they are now saying XXXX due date to get it resolved. I explained that it should have been resolved in 24-48hrs as promised and I have been on hold for over 30 mins so I think they have basically left me hanging again without a resolution.

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 2019-11-26
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently made a payment on my loan consolidated through Navient. I have a message on my cell phone about an alert for my account, so I checked my account. It shows my payment, but then it shows a payment reversal so that this amount was apparently returned. I don't know why that happened. It has never happened before. 
The very frustrating thing is that there is no way to contact Navient about this through a message, and no information about why this happened. I have looked all over for contact information, and there is a phone number or written correspondence. This is not good enough. To expect me to take time out of my busy work day to stay on the line for a long time, when I had made a good faith effort to make a loan payment - it is not feasible. 
Navient needs to make reasonable means to contact them about student loan issues. Making it difficult to contact them enables them to get away with unfair practices that disadvantage borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a mobile home last year XXXX through XXXXXXXX XXXX XXXX, was sent a payment book that has the monthly payment is due on the XXXX and if paid after the XXXX have to pay XXXX dollar late fee .... No problem. XXXX of this year the bank went out of business, 21st. Mortgage bank bought the contract, the sent a new payment book with the same payment dates. Now XXXX months later there telling me they don't care what the payment book says I have to pay on XXXX or else .... I told them that I have other bills being out of my checking account during that time of the month..I haven't missed a payment yet. They don't care I have to pay on the XXXX. What can do? They keep hastling me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of this account and i dont have any business relationship with the creditor

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 2021-06-23
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I have these accounts that does not belong to me and i want them to be remove from my credit report asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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