BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/21 a medical collection was erroneously added to my credit report. XXXX deducted XXXX points and Experian deducted XXXX points. I contacted the collection agency to have a letter sent to the credit bureau as confirmation that the bill had been paid and the collection should be deleted. XXXX responded promptly, acknowledged the letter, deleted the collection, and added the XXXX points within 24hours. Experian also acknowledged the letter and deleted the collection however refuses to add back the XXXX points they deducted due to the error. I have filed two disputes with Experian and spoken with a supervisor along with a complaint. I continue to receive responses from Experian advising me that they do not control my score. I have been directed to MYfico, to resolve the scoring issue. My Fico advised me that the credit bureau calculates scores and then provides them with the information. I have recently been approved for a home however I will not be able to close due to my credit score. Most lenders use Experian, XXXX points deducted from my credit score is substantial and will take me a year to recover. I am a Veteran and a first-time home buyer, this is a serious matter to me as I have worked very hard to get my score to a place where I would qualify for a home. Please look into this matter sooner than later as I may miss the opportunity to purchase a home for myself and my son. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: DISCOVER BANK
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2019, Discover reported on my credit profile a late payment of 30 days. This account was set up on autopay and there was an issue with the auto pay in XXXX. On XX/XX/XXXX I got an email from Discover saying they've received my payment. Discover did not alert me that there was an issue with the payment in a timely fashion. The next email I received from Discover was in XX/XX/XXXX or XXXX alerting me to a problem. As soon as Discover informed me autopay did not go through properly, I immediately corrected the problem and paid the balance down to {$0.00}. This is not enough time to properly inform me, the consumer, that there is any issue that needs to be resolved. I was under the impression that autopay was going through as intended.

I contacted Discover recently who told me that I was not late and I have chat logs to prove this. They advised me to contact the credit bureaus to dispute this. I did this and Discover told them it was reporting accurately, even though they told me it was not reporting accurately and that there was no 30 day late payment.

I have been a good customer with Discover and pay my bill on time every month, usually for more than the minimum due, and frequently pay the balance in full. I want to be treated like a valuable customer and not like a deadbeat because of an issue that Discover could have easily prevented if they had notified me properly of any problems. This oversight from Discover has caused my credit score to dip drastically and increased interest rates when using credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Personal Information wrong a lot of inquiries I have no knowledge of and did not give consent to check my credit

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 2023-04-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Moss Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection account refused to validate my account. I sent documentation they ask for in order for them to send validating paper to me and they sent letter saying they do n't have time to validate collection account. Document of letter of what they sent me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-12-04
Company: LD Holdings Group, LLC
State: CA
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:
MORTGAGE COMPANY : LoanDepot UNFOUNDED 30-DAY LATE REPORT FOR XXXX, XXXX, XXXX : This company reported erroneous 30-day late payment often this year ; running our FICO scores. 

POOR COMMUNICATION ( XXXX & XXXX, 2018 ) : Improper communication process on the problem in the clearing of the automated payment resulting in 30days late. Didn't inform the customer on the returned check in XXXX. When realized, the payment was already late. In XXXX, presented payment twice. Messed up the account. Resolution resulted in 30days late. 

DENIED OF PAYMENT WHEN THE COMPANY WAS ACTUALLY PAID LEADING TO 30DAYS LATE : This company was paid by XXXX on the XX/XX/18 but called on the XX/XX/18 that they were NOT paid. Customer made 2nd payment to prevent 30-days late. 

COMPANY STAFF INSENSITIVE TO CUSTOMERS ' CONCERN MAKING LIFE UNBEARABLE FOR CUSTOMERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have tried for at least 8 months to get items that are incorrect and or not mine removed and they seem to do whatever they want with my credit. I am having a major issue with Experian performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims. This is a written request that you investigate items that I believe to be reported in error.

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 2017-02-11
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Aes credit XXXX XXXX XXXX XXXX, XXXX Whom make concern, i was working with one Employee, she did everything help me filled out a from for XXXX from VA Dr XXXX which from server XXXX, when working the lady, she new about my illness. My Doctor XXXX send to Aes twice first abbreviated words, then i got that he needed to send form without no abbreviation, which doctor XXXX did, so i thought everything was okay, but it was n't until Aes turn their loans over to XXXX. 
Which XXXX did work with me and doctor XXXX, which i was granted XXXX hardship.AES was calling me they over and over, i even had a AES a employee, she told me, to get XXXX over it, talking about my XXXX So call back got a hold supervisor. Then i asked for my phones calls notes, then told i could not get them, that they turn my loan over XXXX. But mean time i thought my XXXX was taken care of by AES, it was n't until I got a letter from XXXX that my loan was never taken care of, so i look on my credit report where AES show me beening late on my AES over and over, which if i have to i get information from my when forms where sent.All i asked to get a copy of all phones conversation and letter send out to me and form for my Doctor. XXXX one lady employee work with me to get all paperwork very nice, she knew my illness. My name is XXXX XXXX XXXX, my old address was XXXX XXXX XXXX, XXXX XXXX XXXX when we was working on XXXX form. My society security number is XXXX .my new address is XXXX XXXX XXXX, XXXX XXXX. XXXX. All i ask for AES give you all my phone calls and letters send to me and Doctor XXXX XXXX form send to AES released a copy to you. AES has hurt my credit report many years, which my Doctor send them the correct paperwork, which they said they lost. All proof are in all my Aes phone calls and letters. 
All i am asking for my credit report to be fixed and a letter that AES, was at fault because of bad training of thier employees, how treat people with XXXX. 
Thank You XXXX Bless

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to MrCooper approximately XXXX. I make principal payments each month through their website. The site clearly identifies the payments as " add a principal payment '' and unless you go to the payment ledger you will not see that MrCooper rarely posts it correctly. I have on three occasions spoken to escalation specialists ( after hours on the phone with their regular " specialists '' ) and had to have the payments " fixed ''. Each time I ask them why they do not repair their web site to do the accounting correctly. The answer is the same, " we have thousands of customers that pay this way ... .. '' and yet ours is messed up. I have asked 2 times for an audit and 2 times all I get is " I can fix this '' from the escalation specialist. At the end of XXXX our principal balance was ( apparently ) XXXX. We made payments totaling XXXX ( included one regular payment of XXXX XXXX of which was interest and XXXX additional principal ). XXXX - XXXX = XXXX. Yet, the principal balance of the web site show XXXX. This is XXXX more that we actually owed! This is the third time I had to call MrCooper for this type of error and they don't seem to want to fix the error. Multiply this by the thousands of customers referenced earlier and no telling how many people may be being wronged! Interestingly, I took a screen shot of this XXXX and XXXX and there are 14 ledger entries to record the 5 payments made, that being one regular payment and 4 separate XXXX principal payments. Let there be no doubt that, malicious or not, MrCooper Mortgage company has problems they seem unwilling or unable to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: MARINER FINANCE, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a vehicle loan through Mariner Finance , LLC in XXXX the vehicle I had financed through them was involved and considered a total loss in an auto accident by the insurance company in late XXXX the balance of the loan was paid by the auto insurance company at the time of the accident. 

Shortly after the accident Mariner Finance claimed there was a balance of roughly {$1400.00} that was not covered by the insurance and began collection activities, when I called and spoke to someone to dispute the balance they were claiming was still open I was offered a settlement amount of nearly half of that which i declined because I knew I did not owe any further money on the loan. 

As of today XX/XX/XXXX Mariner Finance has continued to report false and inaccurate information to the 3 credit bureau 's claiming that I owe them in excess of {$3.00} dollar and each month they keep increasing the amount of the debt they claim is owed they are unable to provide any verification of the debt as this has been disputed multiple times with them and each time they try to settle for 50 % of what they are falsely claiming is owed. 

If this company continues to report this false information and continues to damage my credit I will be left with no options then to take legal action against them in court,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Levy Diamond Bello & Associates, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Our business established a contract with XXXX XXXX in XXXX of XXXX to provide and maintain water filtration and dispensing equipment in our place of business for 3 years, on a monthly basis. We were given a verbal assurance that after 3 years, we could cancel at any time, without any fees or hassles. Initially, the equipment provided was defective and damaged the finish of our floors. The equipment was removed and replaced after a couple months and our business was given credit for the months that the equipment was not available. The technician for the company took photos of damage and gave assurance that the company would pay for repairs or provide credit towards that. In XXXX of XXXX, the office manager for our company contacted XXXX XXXX to notify them that we intended to discontinue service at the end of the year and she wanted to schedule removal of equipment. She was told that the 3-year contract would not be complete until XXXX of XXXX, because our business did not pay for the period during which the equipment was not available, so our contract was not considered activated until XXXX. She submitted an online contact in XXXX of XXXX, confirming cancellation. When I contacted XXXX XXXX in XXXX of XXXX to coordinate removal of the equipment and officially terminate the contract, I was told that they had unilaterally auto-renewed the contract for 3 years as of XXXX, and termination prior to XXXX of XXXX would incur a fee for the entire 3-year period, in addition to a removal fee. At that time, I requested a full accounting of the contract from our finance manager, who determined that no credit had ever been provided for the damage to our facility, and our business had met all obligations of the contract provided, including giving adequate notice of termination. Our business never agreed to any termination fee or removal fee, nor did we agree to renew the agreement for an additional 3 year period. In XXXX of XXXX, I submitted a request for verification of debt and received no response from XXXX XXXX. XXXX XXXX continued to make demands of payment, under threat of collections actions and threats of making adverse reports to damage our business credit. The equipment was eventually removed from the premises. Recently, our business has been receiving collections communications on behalf of XXXX XXXX from a collections firm by the name of Levy, Diamond, Bellows and Associates. This company has also threatened to take legal action without providing any verification of debt. This harassment is causing undue stress and strain on our small business.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-14
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was victim of a scam involving my Discover card on XX/XX/22. I received a text from someone purporting to be my boss, asking me to purchase {$1000.00} worth of XXXX XXXX XXXX. This person said he was in a meeting and couldn't talk, but needed the cards for a holiday gift and wanted me to take care of this errand for him. Of course, I wanted to help so I purchased the cards, and texted him the activation code, per his instructions. 
Moments later, I checked and realized the caller was not actually who he said he was and that I had just been scammed. I called my bank immediately ( within minutes ) and requested them to reverse the charges and to start an investigation. They said there was nothing they could do. They offered no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-08-03
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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NC
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 following accounts have violated my rights. 

1. XXXX XXXXXXXX Account Number XXXX in the amount of {$440.00} 2. XXXX XXXX Account Number XXXX in the amount of {$4800.00} 3. XXXX XXXX  XXXX Account Number XXXX in the amount of {$840.00} 4.XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$1400.00} 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, XXXX. is now on their third collection agency attempting to collect a debt that is not mine. I first received received a letter from XXXX XXXX XXXX XXXX in XXXX regarding this debt. I have no idea what this is. I responded in writing ( copy attached ) asking for the debt to be validated and received no response. I didn't hear anything more about it until I received a similar letter in XXXX from XXXX XXXX XXXX , XXXX attempting to collect the same debt that was never validated. I sent them a letter too ( copy attached ) requesting validation of this debt with no response. Now I've received a third letter from LVNV Funding LLC ( attached ) about this same debt that these companies have now failed to validate twice. I am not asking them a third time. This is getting to the point of being harassment. Every time I ask them to validate this debt I receive no response. It feels like they just keep passing it from collection agency to collection agency and I'm tired of it. This is not my debt, I will not pay it, and I am not legally obligated to pay a debt that isn't mine, especially after they've ignored my written communications for over two years. I have also attached copies of the certified mail receipts as proof that I did in fact send these letters requesting validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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