BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Account was paid off and closed but they put it as didn't pay loan and put charge off/closed on credit report

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 2023-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me REPEATEDLY dozens of times a day. And during the week. They threaten to take legal action etc. and honestly it is irritating the amount of times they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear CFPB, XXXX has placed me in collection with the agency described below.As result of this the balance on the account was reported to the credit agencies. I dont have any knowledge of me owing XXXX  money nor I was aware that they were attempting to collect any debts from me.I dont believe is a fare business practice to report my account to the credit agencies and cause my credit to be damage for a debt that is not even legit. I would appreciate your assistance resolving this matter as I am trying to have this collection account removed from my credit report as soon as possible. I believe this is an abuse of power and invasion to my personal credit. Thank you and I look forward to your answer. 



You've paid off 0 % of your collection amount. 
Balance {$330.00} Highest Balance {$330.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: NC
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:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: E MORTGAGE MANAGEMENT, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is relatively new having been issued by XXXX XXXX XXXX  and transferred servicing to EMM Loans, XXXX XXXX That location did not timely process payments and I do not know the interest wrongfully charged. Now last month the loan was transferred to EMM Loans LLC in Texas and it is a disaster. A payment was made XX/XX/XXXX via my bank online payment system. On XX/XX/2021, the payment was returned to my bank saying the loan could not be identified!. On XX/XX/2021, my back redid the loan payment and the second payment while finally acknowledged by EMM Loans has a receipt date of XX/XX/2021, and after a call to EMM Loans and a very lengthy weight I was told on XX/XX/2021, the loan would be credited the next day XX/XX/2021. That did not occur and now, I have received the attached statement dated XX/XX/2021 demanding double the mortgage payment. Please note EMM actually received payment on XX/XX/2021 and returned it! Now, who knows what is going on with the second payment EMM has and has not returned. This is beyond bad servicing it is illegal and after months of sheer XXXX with EMM and countless hours spent trying to get EMM to get its act together with my mortgage, I am having no success and EMM is getting worse. What damage will EMM do my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I called to see if Sallie Mae could give me a student loan based on my unique situation. The woman I talked to said that I could and that she could fill out the application over the phone. I asked for {$5000.00} for one semester of school. 

The application was set up requesting {$28000.00}. Obviously it was declined. I called back to get it fixed and was told all that could be done was to redo the application - causing ANOTHER unnecessary credit run. This was totally their fault and I was told there were no options to have it fixed. 

My income is XXXX XXXX XXXX  year - a {$5000.00} loan should have been an automatic approval. But because their associate decided to inflate the request to a completely ridiculous degree, I will not be able to get a loan now to finish up my education.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: AES/PHEAA
State: NY
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:
XXXX I took out a Student loan for {$4600.00} and after I graduated I started repaying this loans out XXXX and after a year or so I was unable to manage the payments long story short on XX/XX/XXXX I ended up paying in total {$10000.00}, or more I dont have records for XXXX of payments, the Student Loan it ended up with INTEREST and FED LOAN SERVICES want me to pay another {$15000.00} in interest fees, this has affected my Credit and I Disagree in the handling of this Loan that started in XXXX for {$4600.00}, this economy back then was very hard to maintain jobs, paying my bills, and a family, I Paid this Student loan in XXXX plus interest and now interest continues this amount of {$15000.00} is an All interest amount, I am sadly deepened that the Government ( USA ) can and do this to citizens, ( students ) they dont have no regards as to this Economy which now is just as bad TODAY AND IN THE PAST, this is just another form of discrimination and its the Government ( USA ) that allows this to go on. This has affected my Credit, score, and Life, I feel taken advantage and dissatisfied for this is worse than loan sharks. I did the best I could during those times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the year XXXX I requested an automatic payment plan be put in in place on my credit card. The customer service representative, I assume, made a mistake and the payment was not processed. In addition, the address was changed to a wrong address. As a result I did not receive account statements and was unaware the payments were not being applied until they were over 60 days late. Only after balancing my checkbook did I discover the bank had failed to draft my account. 

I called customer service a second time. I found out then about the erroneous address and asked that it be corrected. I asked a second time for an automatic payment be placed on my account and was told it was successfully put in place. I was also told by customer service that because it was the fault of the bank my credit report would not be affected. I made a payment by phone for the outstanding balance. 

After balancing my checkbook again I discovered the bank had failed to process the automatic payment the second time and I was over 60 days late paying the account. I called the bank again ( a third time ), found out the erroneous address had still not been corrected and asked again that the automatic payments be processed as agreed. On this third attempt the customer service representative was successful at implementing the automatic payments. The address change was not correctly performed this third time but I moved addresses a few months later and that address was correctly changed. At this third phone call I was reassured by the customer service agent that this was the fault of the bank and my credit report would not be adversely affected. 

I have tried to fix the erroneous reports with the bank on multiple occasions. I have since been told that although the address was incorrect I still should have received the statements ( that defies logic in itself ) or that the bank received the statements returned ( again, that would be out of my hands ). I have also been told that the company DOES NOT perform automatic payments even though the account has recently been paid off in full using exactly that process. 

I filed disputes with all three credit reporting agencies in XXXX. Chase took over 30 days to respond to my request. For that reason alone the bank should honor my request to have derogatory information removed from my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Credit card is prepaid in the beginning. The problem I have is when ever I need to do a large purchase it ties up the card so I can not use it as pending. I can not put money on the card because it is not showing as being processed but It still reduces my " available credit '' so that I can not use it. USAA says they can not do anything until the other companies process it but still prevent my from doing anything with it. It leaves it as taken but not? If it is Prepaid and sitting in a CD for them than how can they not approve it so that the card can be used. I had to pay on some car parts and now I cant do anything to fix my house because everything is sitting in bureaucratic limbo. They money is there, but now I wont be able to pay any bills or repairs that I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
4 months ago, I sent a dispute letter to XXXX XXXX and the credit reporting agencies challenging an inaccurate account on my credit report. XXXX XXXX is the alleged original creditor of the account that seems to be paid off. I don't recall having an account with your company. Furthermore, there was never correspondence sent to me informing me of the alleged debt or that the account was being sold. You are in violation of the FCRA for furnishing incorrect information. You are reporting XXXX different collection agencies to each bureau. The collection agency being reported to XXXX is XXXX. How is this even possible? Please see the attached dispute letter, which is dated, and time stamped as well as the inaccurate credit report. If this account is not removed within 7 business days, I will be seeking compensation and suing in small claims court due to negligence and violation of consumer laws.

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 2022-11-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XXXX I submitted letters to regarding inaccurate and unknown things on my credit report. To this day over 60 days later I haven't received a response yet. I feel like I'm being ignored and my disputes are being ignored. Section 611 ( a ) it states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report it has been over 60 days so the should be deleted promptly. I demand these items be deleted immediately or I will file for litigation for the stress and anxiety this is causing me. My information was also impacted by the XXXX data breach and may have gotten in 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 explanation
Consumer complaint received 2022-03-11
Company: BROKER SOLUTIONS, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madam : I received a notice from New American Funding on XX/XX/XXXX. The notice stated that my required escrow payment will increase by more than 800 % beginning XX/XX/XXXX, from {$60.00} per month to $ XXXXThis will increase my monthly payment by 33 %. 

The mortgage originated in XX/XX/2021. 

In reviewing the documents, it is clear that at the origination of the loan, New American Funding made errors in estimating the closing costs, and in setting my payment, and that the loan approval and payment calculation was based on this error. 

The closing documents list property taxes of {$60.00} per month. However, the correct property taxes charged by DC are about {$400.00} per month. This error is repeated on multiple documents. 

New American Funding now is increasing my payment to cover both the correct property taxes ( about {$400.00} pr month ), and the approximately {$7000.00} shortage from last year that resulted from their error. The error was repeated in every step of the closing process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my 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 non-monetary relief
Consumer complaint received 2018-06-25
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX- called again on the debt i told them Ill pay when i have the funds and have to do the research on the other agency before paying. The rep still kept continuing to demand the Payment even when i told him dont call me again. This is the third time calling. The calls are recorded so you can pull the phone records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Forster & garbus llp Sent a letter home telling me they were going to garnish my paycheck directly Out of fear - I try to settle an agreement - I dont know how true this lawsuit it. I had come to an agreement to pay XXXX dollars a month and by 3 rd year pay XXXX completely. I stopped my monthly payment a while back since then the company has not sent any letters and when I called the number their numbers are disconnected, when I finally got someone on the line to ask about this student loan debt. Nobody has answers- they kept hanging up on me. Im 100 % I got scammed for an old debt but Since Im very naive and not lawful knowledge I went along. Thinking its the right thing to do. The original Amount was supposedly XXXX they settle at XXXX. They negotiated the settlement over the phone as if it was a fake game with someone who was a judge. I was very intimidated because I didnt want them to garnish my paycheck- I need my income to feed my children as a single mother. I dont make tons of money. XXXX dollars out of My paycheck is a lot for me. These people are very unprofessional- sketchy - never ask to meet in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked or deleted by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX  XXXX  XXXX  XXXX Balance Owed : {$5400.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm requesting the unauthorized inquires be removed from my report.

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 2020-06-19
Company: Everest Receivable Services Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 I received a call from XXXX attempted to verify location information to send debt documentation. I advised the caller that I was the person in question that they were trying to locate. The caller then caller launched into debt collection disclosure and then asked me to confirm my mailing address. I confirmed the address and then asked what company the caller worked for and was ignored. The caller continued speaking and said that they could handle the debt matter now over the phone if I would provide my social security number for them to confirm and I refused repeating that I wanted to know what company they worked for, which again was ignored. I then told the caller that they could send the documentation as I confirmed the address and then I clearly stated to not call my number again and that all matters regarding this debt were to be handled through the mail. The caller did not confirm my request and disconnected the call. Yesterday ( XX/XX/2020 ) the same number called again. The call went the same as before : Asked to confirm location information so that a notice could be mailed out, I confirmed that I was whom they were looking for, offer to handle issue over phone, refused again and asked for company name which was again ignored as was my request to only be contacted through the mail by this company. I personally called the number from a blocked line and reached an answering machine for Everest Receivable Services Inc and advised a XXXX that I wanted my personal number removed and that all matters regarding ant debt under my name be handled through the mail. She stated that they had no file attached to my personal number and that the request could not be completed.

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