BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The credit repair companys are illegally placing False information on my credit report, thats a violation of my civil liberties, and illegal. By law law you cant report late payments on my credit report, I have had any transactions with the credit reporting agencies and that makes the disclosure of the information illegal

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 2017-05-04
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On  XXXX   XXXX ,   XXXX  , I received a notification that there was a new collection added to my   XXXX    credit report. When I went into my account there was a collection from CCS Collections in the amount of {$680.00}. The date reported was  XXXX / XXXX /  XXXX   and the date assigned was  XXXX / XXXX /  XXXX  . This is the only information I have regarding this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX  of    2016  my husbands position at work was cut and he was out of work without pay for almost 3 months.  XXXX  of my positions at work was cut back so my pay decreased as well.   We fell behind on payments trying to pay everything at least every other month. Ended up having a car repossed so we had to pay more to get it back. Got behind on Mortgage and was told an amount we could pay to get it out of default I was about {$700.00} short due to car repairs and they sent back our money. We tried to apply for a loan modification but were told since we did  XXXX  that went into effect in  XXXX  of    2016  after house/well repairs caused us to get behind. Started the plan in  XXXX  but that was a trial period so not truly in effect until  XXXX . Tried working with  XXXX  to get modification and was told the same thing by the company. House in active foreclosure with no sale date and the company told me only way to save is to pay full amount that we are behind. We keep sending in payments but they send them back.

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 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX   XXXX  i visited  XXXX   XXXX  in  XXXX  Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total  of   XXXX   times. Which drastically lowered my credit score ! Reading FCRA it states automobile inqiries within a 14 day period shall count as  1.   XXXX , TransUnion and   XXXX   are all reporting each individual inquiry, which in turn harmed m y credit score. I ha ve already filed complaint against the dealership for going against my wishes. The time between  XXXX   XXXX  to  XXXX   XXXX  my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.

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 2020-10-28
Company: Comerica
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I had a fraudulent activity on my account and notified my bank. They gave me the provisional credit on XX/XX/XXXX then reversed it XX/XX/XXXX its impossible to get anyone from the fraud dept on the phone. I never got the explanation letter for the reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00}

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 2022-11-22
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi, I have not been able to log into my Mohela account. I tried to register my account and it says that someone has already has an account with that information. Then when I try to login with that same information it says that " the information you provided does not match our records. Please try again ''. The link about having issues with logging in is not helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: BSI Financial Holdings, Inc.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unfortunately I am going through fighting with my mortgage company BSI Financial. Who stated they would pay my property taxes via my escrow. Now I have received a letter from the town tax collector they have put a lien on my home because property taxes were not paid out by BSI. Their excuse was it isnt due until XXXX. The original letter states vey clearly {$780.00} was due XX/XX/2021 for XX/XX/2021taxes. Perhaps a mid year as the total is roughly as much. Im stuck between a rock and a hard place. I was not given a decision of who carries my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COLUMBIA DEBT RECOVERY debt {$350.00} Reason : pls verify and validate all data this inquiry was made without my knowledge or consent COLUMBIA DEBT duplicate charge RECOVERY debt {$350.00} Reason : pls verify and validate all data this inquiry was made without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: PLANET HOME LENDING, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
A check was mailed to planet home lending from XXXX  on behalf of myself and wife, the check was mailed out XXXX XXXX and it took 4 phone calls, an open to dispute to locate the check which didn't happen until XXXX XXXX. After I was finally able to speak to a supervisor because all other customer service reps wouldn't help me in tracking down why they haven't received the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting 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:
I recently downloaded my credit report on XX/XX/2023 to check my credit report and recognize that I had inaccurate information of hard inquires on my credit report which are unauthorize and I sent out the letters to the credit bureaus and they have failed to their part of removing that inaccurate information on my credit report can you please check it out.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: MI
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:
Recently, I did an investigation on my credit report which caused a sad XXXX  upon me. I found unverifiable, inaccurate, and questionable items that Experian and XXXX did not update. 

In accordance with FCRA, everything has to be 100 % accurate on my credit report under 15 u.S. Code 1681e ( b ) and 15 U.S. Code 1681. These accounts are in violation if not reporting 100 %  accurately. 

Experian and XXXX stated that these accounts were properly investigated and came back as verified. However, how is this true why is the inaccuracy still showing on my credit report with Experian and XXXX. 

As a consumer, I request your assistance getting my credit report 100 % accurate. 

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 2021-07-07
Company: MoneyLion Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In the first week of XX/XX/2021, I received an unsolicited MoneyLion Mastercard debit card ( XXXX, powered by XXXX ) that included a direct deposit form, account number, my name, a routing number, and an account number. I did not apply for this card. I have never heard of this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX  XXXX Balance : {$0.00} ; XXXX-XXXX XXXX XXXX Balance : {$12000.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: DISCOVER BANK
State: NY
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 has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: FL
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2022-11-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Service cashed the following XXXX checks mailed by my bank in error after the mortgage was paid in full in XX/XX/XXXX. 
check # XXXX dated XX/XX/XXXX for {$750.00} cashed on XX/XX/XXXX check # XXXX dated XX/XX/XXXX for {$750.00} cashed on XX/XX/XXXX. 
I began communication via email and XXXX with XXXX  on XX/XX/XXXX, but have been rerouted and ignored. Each correspondence has included the documentation requested of me as per below : - copies of front and back of the XXXX checks - copies of my bank statements showing these XXXX checks ' debits- quite lengthy log of correspondences I've made with no response. 
The phone numbers I've been using : XXXX XXXX... XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number reaches someone who transfers me to XXXX. I have left multiple messages for XXXX  to call me with no response to date. 
At one time I was provided this dispute ID - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NJ
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:
I am writing to formally dispute the reporting of late payments on my XXXX XXXX file, specifically related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXXXXXX 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 Upon reviewing my credit report ( Reference Number : XXXX ), I noticed that these late payments are inaccurately reported, which is adversely affecting my creditworthiness. 
Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as Paid on Time or OK.

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands.

Please initiate an investigation into this matter immediately. According to the FCRA, you are required to conduct this investigation within 30 days of receiving this letter. Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made.

I thank you in advance for your cooperation and expect a prompt resolution.

Company response to consumer: In progress
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I can't receive credit card loans because of credit 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 2018-10-22
Company: Glasser and Glasser, PLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I was XXXX XXXX after an eight-year term from the military. After which, I fell into debt with XXXX. Late XX/XX/XXXX the account was sold to XXXX, XXXX XXXXGlasser & Glasser PLC XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) and they filed a court case against me with the state of Maryland where an affidavit judgment was entered in their favor because I was never served with the court documents. Nonetheless, early XX/XX/XXXX, I received a letter and numerous phone calls on behalf of XXXX from Glasser and Glasser, P.L.C ( XXXX XXXX  XXXX, XXXX, VA XXXX ), a collection agency, regarding the debt for approximately {$8000.00}. After numerous calls, we agreed that if I were able to pay {$3000.00}, they would render my account paid in full. 

On XX/XX/XXXX, I made a payment of {$3000.00}, received a confirmation letter and assumed the case had been closed ( see attached ). 

Apparently, they never closed, updated or notified XXXX or the credit bureau of my payments. On XX/XX/XXXX, I received another letter from Glasser and Glasser regarding the same debt from XXXX, citing a {$7500.00} balance, noting that they had been " authorized to accept {$3700.00} to resolve your above-referenced account if your funds are received in our offices on or before XXXX, XXXX, XXXX ( see attached ). '' I called immediately to dispute the claim and cite the error. However, the representative told me that they were not mistaken and while the payment had been made, I still owed XXXX ( Glasser and Glasser ) the full amount. After a lengthy back and forth ( three phone calls ), I was told that I would be contacted by someone from their department, which never happened. 

Much to my dismay, on Friday, XX/XX/XXXX, I received a thick, white, 11x13, envelope from XXXX ( XXXX XXXX  XXXX, XXXX XXXX, OH XXXX ) which included all of my previous statements ( approx 200+ pages ) with a letter citing the following, " we researched the dispute of liability for the above-referenced account. We found the account and balance to be valid. '' " ... We have forwarded our findings to Attorneys Glasser and Glasser PLC ... '' ( see attached ). 

Additionally, the following day, Saturday, XX/XX/XXXX, I received a similar package ( Manila envelope 11x13, 200+pages ) with all of my statements from ( XXXX XXXX XXXX, XXXX, VA XXXX ). The cover page indicated that I owed {$7600.00} and " ... that interest is accruing at the rate of 10 % per annum. ''

Company response to consumer: Closed with explanation