BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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 2023-11-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX Balance : {$290000.00}

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 2017-05-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Managment h as a collection under my name for credit card debt in the amount of {$180.00}, which has a settlement offer of {$110.00}. I called to get more information and possibly pay online after proper verification but was not satisfied by their response and their insistence that I pay over the phone. Before hanging up, they asked if they could call me to which I said "  No '' .     After terminating the call I was able to determine that the representative who I spoke with made false claims, including that the collections would be added to my credit report when the debt has already exceeded the statute of limitations and was recently removed from my credit report. Now I understood their insistence and possibly their reason for lying and was not longer going to pay until I was given proper verification.     The following day, I was contacted by the same representative, again claiming that this would add the collections to my credit report. Once I mentioned that I had previously stated that I did not want to be contacted and that I found out that he lied, I was placed on hold because he had " another call ''. After waiting, I explained that I know he lied and that he contacted me after I expressed that  they may not. Both of which I believe are violations of the Fair Debt Colle ction Practices Act.     In summary :   1 ) Midland Credit Managment 's representative lied about actions they would take to affect my credit.
2 ) Midland Credit Managment 's   representative contacted me after explicitly being told they can not contact me.     Further details available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX   ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it  immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX  I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it 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 explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX  HAS BROKEN THE LAW!!!!!! 

I am writing to dispute the inclusion of XXXX on my credit report. I provided evidence to the CFPB, including an XXXX  report, that this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible If the information presented in the complaint is inaccurate? This is ground for removal. According to 15 USC 1681 section 602A, I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account as late for any purpose. 

The information on this account is not 100 % accurate, as required by the FCRA. The dates for " Date Opened '' and " Last Active '' are different with all three credit bureaus. I have provided proof of this in the attached XXXX  report when I made the complaint. To make things more evident, I have also attached the entire complaint and company response along with the exact report that was attached to the initial complaint. 

I request that XXXX be removed from my credit report immediately, as they have not followed the proper procedures and have violated my consumer rights. I also want to note that I have not given written permission for XXXX  to report anything to my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2023-02-24
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was trying to get a second loan to help me with my finances, since I recently retired. I got a loan approved but when the lender ordered a preliminary report it showed a lien from XXXX XXXX loans from 2006. A collection company call Real Time Solutions is telling me that they bought this loan and it is my loan! I have been telling them that I don't remember having a line of credit with XXXX ever. They sent me a deed of trust with a signature that doesn't look like my signature with no date next to the signature! Also, I just received a list of payments made to this account for about a year which I don't know who made them because I don't remember making any payments for any line of credit. 

Please help me get the problem resolved, I don't have any money to pay for an attorney to help me. 

Thank you so much for your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 do not consent to electronic communications. I request all responses be in writing through the XXXX. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX 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 2023-12-05
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: Account information incorrect

Complaint:
Company is refusing to honor my dispute and i feel like they are not complying with the FCRA 15 usc 1681a, 1681b, 1681i and 1681s

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 2022-04-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
NAVY FEDERAL CREDIT UNION is sending notices stating that my mortage is delinquent. I have not missed a payment, last month I called to inquire why they sent the notice, and I was told to disregard and that it was a mistake, this month they sent the same notice via certified mail to myself and my wife. This is no mistake. This is harassment due to the fact that I exercised my legal right to refuse a credit card debt that NFCU has been unable to validate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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

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 2023-03-19
Company: Albert Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I used a app called albert for a {$200.00} payday loan. They make you link your checking account first before they approve or deny the loan. Long story short i was denied the loan and several months later got a random {$96.00} charge for albert XXXX XXXX XXXX XXXX XXXX XXXX i never signed up for. This company is openly committing fraud with their bait and switch tactics to scam money. They claim to have issued a refund its been over a week and still no refund. This company is criminal and must be stopped!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
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:
Dear CFPB, Recently I have started to rebuild my financial health and in the process I have started to pay creditors for bills that I have incurred on charged off or collection accounts. 

The account in question is with XXXX XXXX, XXXX  and TransUnion. 

In XXXX of 2021 I noticed that I had a collection on my account for XXXX XXXX. The amount listed on my credit report both XXXX  and TranUnion was the same amount {$380.00}. That was the reported amount since the account went into collections. I went back to my emails and found the last billing statement from XXXX and that was the amount I owed, I clicked on the pay bill link and promptly paid my bill. Come to find out they are reporting it as a settlement, that I paid less than my account was which is false. I paid the full amount on the bill. I sent XXXX  a copy of all the emails I could find from the account inception and not one of the bills shows any amount over what I paid. I tried to resubmit to TransUnion but the system wouldn't take it. Again the amount I paid was more than what was reported on my file from XXXX. I had hurricane outages, refunds, fees, down service. At this point no one has given me anything referencing how anymore money is owed. I question the entire file. 

XXXX  and TransUnion refuses to correct this information and continues to report that I settled this claim when I haven't. I have never discussed a settlement with anyone, nor did I realize that me paying this bill was for less than I owe. 

Based on reported data I paid the entire balance and this false reporting is harming me enough to the point I am writing you. 

Please help me address this issue as this is extremely frustrating and inaccurate to the fullest. 

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 2023-01-30
Company: GOLDMAN SACHS BANK USA
State: FL
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:
On or about XXXX of XXXX I saw an ad for a place called the XXXX XXXX. After requesting more information the Sales representative contacted me for a XXXX meeting. He discussed the services provided and a challenge I could sign up for. While the price seemed high thinking I would be getting a personal trainer and could help me get to my goals before an upcoming trip I signed up. There are mandatory check-in meetings that you get penalized for if you do not attend. I went to one Yoga class and the check-in meeting. At that meeting the coach said the opposite of the sales rep. They were not there to motivate you and help me reach my goals in the way it was presented to me. At that point I was no longer interested in the service and due to poor experiences with dealing with gyms in the past I contacted apple card support and disputed the charges. I have been asked to get a letter from a third party to help my claim which I did. I submitted multiple letters I wrote explaining the issue and trying to get this resolved. I have even filed a XXXX dispute with no resolution. The XXXX was closed as it's still under review making it seem it would get resolved. Then today I get an email saying they have reversed the credit again and applied the charge back to my account. This has been going on over a year at this point and would like it resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Opportunity Financial, LLC
State: MS
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:
XXXX Opploans was sent a debt validation letter on XX/XX/22 and an employee at the corporation signed for this delivery on XX/XX/22. They have not sent anything since then, and the company has not responded to any of my letters after me asking for debt validation which includes a WET SIGNATURE, they were given 30 days to have this REMOVED from my report and it is still currently reporting to all three credit bureaus NO PERMISSIBLE PURPOSE WAS GIVEN FOR THIS CORPORATION TO REPORT ANYTHING ON MY CONSUMER REPORT. THIS IS ILLEGAL AND IS IDENTITY THEFT! I have also filed a report with the FTC and XXXX Certified Tracking # XXXX They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: AmeriHome Mortgage Company, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX we received an Escrow statement from our mortgage company that had incorrectly calculated the property taxes for the year. The annual taxes increased from {$3100.00} to {$7200.00} ( doubled ). This caused our total mortgage payment to increase from {$1700.00} to {$2200.00}. Initially, we contacted the company via phone in XXXX of XXXX and were told a ticket had been created and the issue would be resolved in 1 month. After not hearing back for two months we contacted again via phone and were told there was no record of any conversation or ticket being created.

Next, I began a conversation in the secure message center on their website outlining the issue on XX/XX/XXXX. The first two representatives that responded did not understand the issue and were of no help. The last representative in the secure messages ( XXXX XXXX. ) appeared to understand the issue but could not make the corrections herself. A work order was submitted on XX/XX/XXXX and was due to be completed by XX/XX/XXXX. This led to another Escrow analysis being completed and our taxes were raised again, this time from {$7200.00} to {$10000.00}. This caused our total mortgage payment to increase from {$2200.00} to {$2700.00}. 

We contacted via phone again, and another Escrow analysis was completed on XX/XX/XXXX. No change was made to our taxes. 

We attempted to call one more time at the end of XX/XX/XXXX and were told a high-urgency ticket had been created and our tax line would be changed. Another Escrow analysis was completed on XX/XX/XXXX and our taxes had increased, yet again, from {$10000.00} to {$14000.00}. Our total mortgage payment increased to {$2900.00}. 

As it stands, our taxes have increased by {$11000.00} ( an increase of nearly 300 % year-over-year ) and our mortgage payment has increased from {$1700.00} to {$2900.00} ( nearly doubled ). 

Some key points, we have not missed a single mortgage payment for the entire life of our loan ( even the erroneously inflated amounts ) and no significant improvements have been made to the property that would cause the taxes to increase. 

I am attaching all of the referenced Escrow statements, the tax bill from XXXX for each parcel, the 6-year tax history for each parcel, and a mortgage statement from XX/XX/XXXX that had our correct payment amount before this debacle started. I have also attached a printout of the secure message center conversation.

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 2017-05-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in viola tion of 15 U.S.C.   1681. You are requ ired under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.       XXXX    Law Dictionary,    XXXX   XXXX  ,  2009 , defines  Verify as,   1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, tru th or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s )  in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed b y 1681 ( a )  ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Secti on 611 ( 5 ) ( A ) of the FC RA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation