BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: EQUIFAX, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  CST CU 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 N/A XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: ECMC GROUP, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to secure a loan with a mortgage company to no avail, because a debt collection keep popping up in my credit report. I need to know the date and duration of this collection. Especially, the real nature of this collection and which company 's sent it in.

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There was a computer glitch that was with Transunion that caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them.I 've contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion. Could you help make TransUnion stop victimizing me. Can I please have a resolution that all of my TransUnion inquiries be deleted permanently from your report as a violation took place when they were illegally added.

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Transunion continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX   tells you it is proof of this with the XXXX PD and of course XXXX   XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX  XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XXXX XXXX  # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

Transunion and the companies aforementioned are direct violation of 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 2019-02-19
Company: Resurgent Capital Services L.P.
State: CA
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:
LVNV Funding LLC continues to report INVALIDATED and FALSE information on my credit report. They have added a collections debt onto my credit stating that I owe the amounts of {$1500.00} & {$1100.00}. I have reached out to this company three times by letter in starting in XXXX of 2018. I have let them know that this debt does NOT belong to me and that they need to prove by validation that I am responsible for this amount LVNV Funding LLC allege. They have yet to produce any proof that I am the owner of this debt. This right for validation is afforded to me by the Fair Credit Reporting Act. They have not produced any legally binding commitment from me the alleged original party. That includes no proof of contract, e-signature, verbal agreement or any of the sort relating to prove that this debt they purchased elsewhere belongs to me. Attached are their very insufficient responses to my dispute in which they produced a screenshot of charges made by someone that is NOT proving to be me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: MD
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 was given extension or payment relief by XXXX for two months XX/XX/XXXX and XX/XX/XXXX and those payments were adjusted at the end of plan XX/XX/XXXX and XX/XX/XXXX beside relief XXXX XXXX XXXX charged me one month XX/XX/XXXX gave me one month relief and taking two payments at the end of the plan over to this they reported me late payment in the months they gave me relief according to my records they took two payments in XX/XX/XXXX month one on XX/XX/XXXX and second payment on XXXX XXXX I reported 6 to 7 times on phone and XXXX not agree to resolve it and credit beauros they also taking XXXX side I am helpless my credit score goes down I started bussiness and need financial help for bussiness but nobody gave me loan for starting bussiness because of my score and it result in hard inquiries over my score I am financially broke and in critical situation I have family these guys playing with me like it doesnt matter for them but it matters for me because I have XXXX sons XXXX wife family to look after but they playing with me continuously now I am filling complain against these two XXXX XXXX XXXX and experian XXXX  and XXXX I am attaching reports and documents with complain I need it to get resolve as soon as possible now I am going to file suit against XXXX i have call records when i filed the dispute and many times called them

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 2021-01-28
Company: Navient Solutions, LLC.
State: DC
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:
In XX/XX/XXXX I co-signed a private loan for my son. It was required because he was a dependent student. Payment was initiated by me on about XX/XX/XXXX. At this time he had graduated. I continued those payments until about XX/XX/XXXX. 

At that time he updated my credit record to show that loan was initiated in XXXX. Contact was made with all parties that I thought would be able to help me clear up the data. I contacted the Credit Bureau and the response was that Navient claimed the report without showing that they performed any research to confirm. 

This occurred a few months after Sallie Mae split up and separated Federal and Private loan agencies. 

With no where else to go I found a lawyer that would take on my case. As this also involved my son, the lawyer added him as a plaintiff. Navient dragged out the process in the court system for about 3 years. As I had lost confidence in our legal team, finally I decided to drop the case without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: SYNCHRONY FINANCIAL
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal and Paypal Credit post date and misrepresent the status of my transactions making it impossible to know my current balance and payoff amount so that I may pay off my balance to zero. Transactions are post dated and changed back to pending status after full balance has been paid to zero. I feel held in perpetual debt, continuing to accrue interest charges. I simply can not manage to pay off the full balance nor understand what amount is still owed. Do not understand why full balance payment of all current purchases fails bring balance to zero. Continue to receive new unidentified charges added to my balance that Paypal Credit can not explain or provides invalid explanation.

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 2020-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
Credit cards and debit cards stolen in XX/XX/XXXX/XX/XX/XXXXI was in hospital. I reported to credit companies and bank, I also report to local and state authorities. Card were ending XXXX. All charges from XX/XX/20-XX/XX/20 are fraud on cards XXXX and XXXX. Also fraud on card XXXX from XX/XX/XXXX-XX/XX/XXXX Bank of America states " these charge ( s ) are consistent with previous charges with this merchant ( s ). I am 100 % certain I have never used these cards with the claimed merchant. I am also mostly certain the same holds true for small charges with XXXX and XXXX ( total for these merchants is {$26.00}. The other charges total {$2500.00}.

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 monetary relief
Consumer complaint received 2020-09-05
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 this bill for XXXX dollars did not go through when it was on auto-bill.I reached out to the company and they said that they saw the the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Account information incorrect

Complaint:
On XX/XX/2018 Experian is reported a negative collection account on my credit report. Experian is the only credit bureau reporting this account on my report. According to the fair issac all three credit bureaus have to have accurate reporting on all three of my credit reports. This is a violation and this negative account needs to be Deleted.

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 2018-09-25
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have tried deferment and forbidden since I qualify I get no response

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 2020-09-05
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a {$100.00} VISA gift card from XXXX on XX/XX/20. When I tried to use it on XX/XX/20 for the first time, the card was declined. The card issuer, Blackhawk Network, said all of the money was used shortly after I purchased it. Blackhawk refused to help me -- customer service told me that they won't take any action 60 days after purchase. XXXX won't help me either -- customer service directed me to contact Blackhawk.

I have learned that thieves are stealing VISA gift card info by opening, then resealing VISA gift card packages. My card has an illegible CVV and a glue that can not be easily removed. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I settled my account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX on XX/XX/2020 for the amount of {$150.00}. I then submitted a dispute on XX/XX/2020 with Transunion but was met with results stating that the account was still mine on XX/XX/2020. I do have a receipt of my transaction settling the account and tried to attach it to my dispute but technical errors prevented me from doing so. I've tried to contact Transunion by phone but have been met with a busy line and I can not find an email address to contact any representative.

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 2020-05-26
Company: Experian Information Solutions Inc.
State: NV
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:
1. 5 to 6 month ago my credit score dropped over 20 points. called Experian a week or so later my 20 points back. 
2. yesterday I receive an email that my score has changed. and again dropped 23 points for no reason. 
3. have not done anything I owe about {$300.00} to {$400.00} dollars with limits up to {$40000.00} 4. tired to keep calling, experian was tolled to file a complaint with you hope you can help thanks.

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 2020-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft

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 2016-07-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a a XXXX interest only loan with NationStar. After 10 years the loan converts to a 15 year amortized loan. There are two years left in the interest only period. There are no prepayment penalties. 
I now have funds to pay down the principal by XXXX. I called NationStar and they said I could do that but simply needed to submit a recast request. I did so and received a written reply that a recast was not " available ''. When asked on the phone why not, the agent was unable to answer and unwilling to transfer me to someone who could.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: GRIFFIN FUNDING, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Multiple missed deadlines. Claimed to be able to close the loan on several dates and all deadlines were missed. Communication was non existent between the lender and all related parties. Lender lied about when things were performed. Items that were supposedly ordered were never ordered. Calls to the lender went un-returned. XXXX XXXX the sr. Loan officer explicitly lied to seller, buyer and real estate agent. Conditions of the loan were changed from the initial conversation. Contention of conditions that could not be met went unacknowledged and were not addressed until the contract expired. The contract expired multiple times due to XXXX XXXX not working on the loan. Items that were needed for the loan were submitted multiple times due to the blatant neglect and disorganized nature of their business. The CEO was completely condescending and rude and failed to return calls and the loan was denied without merit after the contract had expired giving me no time to exercise clauses that would let me exit the loan without losing my earnest money. Had the conditions been addressed in a timely manner, I would have been able to exit the contract without penalty. I am now out XXXX $ due to the failure to perform on XXXX XXXX part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I attempted to speak to a Transunion customer service rep and they would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below : 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 2021-01-28
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Admittedly the last few months with XXXX my payment was late several days, when I would contact them before the due date, day of or after the agents said there was nothing they could do, " give it a few days and call back '' when I was closer to the date the payment could be made. The harassing phone calls 5-8 times a day would begin the day following the due date and continue until the payment processed. Those calls continued even after I paid off the loan XX/XX/XXXX. The company had yet to update the credit bureaus and has further damaged my credit by remaining open with unpaid balances, and because of this I was denied a loan that would have allowed me to pay off my credit cards and move in to an apartment, specifically because I already showed two open auto loans. Although I am eager to get my report updated, I'm filing this complaint because they refuse to tell me when they send updates to credit bureaus or even who I can contact within their company for that information. I emailed the company XX/XX/XXXX and did not receive a response. Tonight, XX/XX/XXXX I called " customer service '' and at first was told to " give it a few days '', when I said that was not acceptable and wanted to know how often or when it would be updated, the agent hung up on me. I called back, spoke to another agent, he said they send updates monthly but he has no idea when. I replied that it has been almost two months and asked who did have that information, he hung up on me. Both times they had the nerve to send me to a survey to rate their service. I just want to be rid of this company.

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