BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. that states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 that states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: SLM CORPORATION
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/18, I reached out to XXXX XXXX in regards to a charge-off that I noticed on my credit report. After waiting to hear back from a dispute that I opened through XXXX, it was noted that XXXX XXXX was not willing to budge on this. I first spoke with a gentleman named XXXX XXXX. When I was speaking with XXXX, I expressed the issue at hand. He first was upset that I did not update my address immediately with him. I expressed how due to personal issues, housing was not consistent and there was no address to update with him for a good period of time. Then, after hearing the amount due, I offered to make small monthly payments but they refused. I was told that if I do not pay the full amount due now, they would report it to a third party which would then in return not allow me to get future jobs of liscenures. I was then told that I need to ask family, friends, and coworkers to pay the amount. I told them I have no-one to ask and I then was hung up on. I then called back, spoke to a supervisor and was told I would get a call back. I then recieved a call back from a different supervisor and she again was unwilling to work with me on anything. I stated my situation and they refused to do anything with deferrment post dated. I was on XXXX, food stamps etc during this time, and they refuse to do anything. After speaking with University XXXX XXXX, they are not too sure why the loan was even taken out in the first place. I attempted to then call XXXX XXXX once more, but no answer or return call. The experience has been horrible. I am willing to do small monthly payments, but they refuse. I do not like the fact that I was threatened with my future livelihood, nor the fact that were entirely unwilling to work with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my own taxes and mortgage insurance, but last year the mortgage company started writing me to say they are paying my taxes and then tacking it onto the end of my loan at 5 1/2 % interest. They opened an escrow account which is not authorized by my loan documents. I had to prove that I had paid the taxes and demanded that they close the escrow account. So they closed the escrow account but kept the money added to the principal balance of the loan. So I called and complained again because they are still taking {$10.00} out every month for taxes and insurance. Theyre reply was that they did not add that to my regular monthly payments. So they must think Im XXXX or something because I said Im sitting here looking at my mortgage loan documents and You have added it to the principal balance at 5 1/2 % interest. They want to make sure that I never pay this off because they keep adding money to the principal balance every month, they only admit they add {$10.00} to the principal balance allegedly for insurance and taxes, that I pay separately and directly to the companies. Now I have no idea how much money they have added to my principal balance every month because they would add the taxes in the insurance and not tell me then I wouldnt know it because they close the escrow account except that the principal balance doesnt change that much every month like it supposed to, according to my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Department of Education has duplicated the same information through several companies. Making it appear that I owe 3 different companies the same amount of money ; and each of them are derogatory. Each of them are reporting similar information but different payment histories, different start dates, different last activity dates. Upon information and belief this is done to make the additional companies appear authentic. I have never had a contract with any of these companies and I am in fear that I will be forced to pay upwards of {$45000.00} to clear up my name. This has caused me unimaginable financial stress during this pandemic. I notified the three bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX DEPARTMENT OF EDUCATION All student loan repayments have been placed on hold since XX/XX/XXXX. They are falsely reporting it has been in collections when they are legally prohibited from collecting. 
This account payment dates are inaccurate and different at each of the bureaus. 


XXXX All three bureaus are reporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. 

This account payment dates are inaccurate and different at each of the bureaus. 
It should also be noted that the Consumer Financial Protection Bureau has sued XXXX in XXXX for systematically and illegally failing borrowers at every stage of repayment. I will attach a copy of CFPBs press release. 

XXXX All three bureaus are reporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. 

This account payment dates are inaccurate and different at each of the bureaus. 

DEPTEDXXXX All three bureaus are reporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. 
This account payment dates are inaccurate and different at each of the bureaus.

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 2021-03-09
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see complaint XXXX. 

XXXX XXXX reported collection owed to the credit reporting agencies for myself and my wife, XXXX XXXX XXXX, even after we previously complained that their collection is without merit or evidence. 

As stated in the prior complaint. There was no evidence of smoking and receipts were provided for cleaning. Again the home was left in better condition than it was given to us. We have photographic evidence and yet XXXX XXXX ignored the evidence through their " resolution '' system. They also ignored the previous complain and went forward and ruined our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified by XXXX that in 2017 a rental debt was placed on my credit report. Although, the debt in question does not and has never belonged to me. I immediately went to the apartment located on the file, they stated that they couldnt help me, as my name was the name on the lease and I didnt match the photo. I expressed to them my identity had been stolen, but they were unwilling to give me any further information. I then proceeded to call the debt collection agency, which also stated that the debt was in my name although I had never lived there. They stated that I would have to pay, regardless. For the past few years I have been attempting to dispute it off my credit with no success. The debt collection agency will not remove it even though though I can prove they lady in photo isnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
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:
Dear Sir or Madam : I am a victim of identity theft. The informations listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX  XXXX  XX/XX/XXXX ) ( XXXX XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX - XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/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 2021-01-15
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was getting pre-approval for a home loan and the credit report came back with a debt collection item of {$520.00} from TSI debt collection services. After calling TSI, I was informed that the collection was required by an apartment complex that I had previously lived at ( XXXX XXXX apartments, XXXX FL ) It had been over threes years since I lived at that location but the apartment complex nor the debt collection agency ever contacted me regarding the debt. The only reason I found out is the credit report which has now become detrimental to the interest rates on two home loans. After reaching out to XXXX and the apartment complex multiple times, I still have not received any documentation on what the expenses are for, nor an itemized listed depicting how the total was derived. I dont believe there are any legitimate claims as I finished my lease as required ; I believe this is a fallacious claim by the apartment management company and a very poor job of research/communication by the collection agency. I simple can not believe that a company can adversely affect my credit by issuing a claim with no documentation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2021 I request a telephone service with XXXX XXXX XXXX Which was an account opened under postpayment With my social security number paying a monthly payment Of the telephone service plus the equipment equipment Team which disappeared while sleeping in a shelter called XXXX XXXX in XXXX Florida, The account was opened in XXXX XXXX XXXX but after a few days I moved to XXXX due to the pandemic I was left homeless I only had about a month with the phone equipment when it disappeared though. Yes, however, assuming my responsibility and contract with XXXX, I called to report the stolen phone and report that I would continue to pay the debt for it Once in XXXX I went to an office directly from XXXXXXXX XXXX XXXX in XXXX XXXX .They notified me that there was a debt of approximately {$800.00}, which indicates that this was not the amount since I had barely a month with the account and that amount to debt was not possibleIn the store, they told me that the equipment was still active, something that I never understood because I reported it as stolen and apart from them, services such as television and others were still lined XXXX the store they literally ignored what I was saying and my hands were tied because I had no way to communicate with the company since I didn't have a phone and I didn't have money to buy another.After that telephone equipment was lost, I lost access to many things, such as my social security account, my ucis account, my bank account and many more, which has resulted in the, XXXX account XXXX account and Gmail account by then that was installed on the same phone but I was left totally incommunicado And if the access to all those accounts that were already included and open within the telephone equipment.Today a little more stable and with a little more access to my information I am seeing under my report behind and union that there is a collection account under AFNI # XXXXEntered by the same XXXX company under cable and cellular services for an amount of $ XXXXAnd I can honestly tell you that both personally at the XXXX XXXX XXXX I asked for a verification of it since I only had about a month with the service the phone at the time I tried and communicated the fact of what was happening .Having this information, I have tried to communicate with the company but it is impossible. It is always busy and there is no way to be able to communicate with it for that very reason. Well, I am writing to you and ask for advice or how to resolve this situation that really it has me worried Because apart from all this situation, I believe that my data was disclosed since online as

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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
Consumer complaint received 2023-10-31
Company: DigniFi
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX to use to charge {$2000.00} towards the purchase of a motorcycle. 

I paid the entire {$2000.00} in XX/XX/XXXX. The card was at that point at a XXXX balance. 

I have never used the card since. In fact, I don't even have a physical credit card. 

On XX/XX/XXXX the account was charged {$59.00} as an annual fee. I wasn't aware of this charge and became aware of it in XX/XX/XXXX. By that time, the company had added a late fee and interest. The total amount on the card was {$80.00}. I paid that balance off on XX/XX/XXXX. 

On XX/XX/XXXX I sent a certified letter to XXXX XXXXXXXX XXXX XXXX instructing them to close my account. I received a certified return receipt from them. 

On XX/XX/XXXX XXXX XXXX Credit Card started to text me about a balance due, but my phone reported it as spam. I logged into the XXXX XXXXXXXX XXXX XXXX account and found that they company had once again charged the account an annual fee of {$59.00} plus a late fee and interest. The total amount they say is due is now {$80.00}. 

However, I requested account to be closed in XX/XX/XXXX, and therefore, I should not be charged a fee. The company clearly did not follow my instructions to close the account. 

I called them today ( XX/XX/XXXX ) to ask them about this. They told me I could only close the account by calling them. This seems ridiculous. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
None of the problems listed adequately described my problem. 

Lender : America First Credit Union, based in XXXX. 

Our lender for our vehicle didn't receive our title from the seller for over a year from the date we purchased the truck in Utah, and when they didn't receive it in the requisite time frame, they never followed up to get our title from the seller. Therefore, they didn't have it when we needed it. We lived in XXXX at the time we bought the truck. We have since moved to XXXX and our XXXX tag has expired. We have called every single month since XXXX trying to get them to send our title to the state of XXXX, and they have been unable to do so. When we initially called, it was because they never received our title, so they ordered a duplicate, confirmed they received the duplicate with us, but have continued to fail to send it to the XXXX XXXX XXXX for us. We have called every month ( XXXX through XXXX ) to request that they send the title, and they continue to act confused about where the title is, whether they have sent it, and they never send us follow up communications about our requests, even when they say they will. They are so disorganized and incompetent and have not been able to get our title to the XXXX DMV for four months, despite us regularly calling to complain and follow up. We can not legally drive our truck without an active registration and we are unable to get an active registration without a title being sent to XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I contacted FTC  and my local police. XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from 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 2019-05-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, We were approved for a loan modification, we did trial payments and what ever was requested this all occurred in XXXX. Loan modification documents to finalize were sent to our home in XX/XX/2019. We never received so I contacted Ocwen early XX/XX/2019 and advised us would have a packet remailed. We did receive them and signed and returned. I did fail not to register agreement, sent through regular mail. I attempted to make my payment on XXXX and payment could not go through. Contacted Ocwen and was advised my loan modification was denied because signed documents were never received, I was also advised to provide a tracking # in which I do not have because I did not register documents. Was advised had to submit all paperwork over again and had to wait to see what outcome is! Meanwhile I have a default notice. I am asking for your assistance, I think its unfair in how our situation is being handled. It also makes no sense! We have struggled so much to keep our house and just need help so that this gets resolved. Can someone please please get back to me? I am afraid my home can go into foreclosure and we dont want to loose our home. I appreciate the time you are taking in reading my email and hope to hear from someone soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
Experian has not removed scores of invalid, unauthorized inquiries. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Experian databreaches, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.

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