BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
I have sent TransUnion multiple letters about the following accounts with no reply but a simple letter of what the dispute process is. Only account they have responded about is XXXX and that was just a bill. 

Dispute letters sent XX/XX/XXXX, XX/XX/XXXX and now again XX/XX/XXXX PROF DEBT Balance {$5300.00}. This account is not mine and have address this to TransUnion with no reply. Also the date of last activity shows XX/XX/XXXX on TransUnion but on XXXX  it shows XX/XX/XXXX. 

XXXX XXXX Original Creditor : XXXX XXXX OF FL ) {$510.00}. On XX/XX/XXXX I sent a letter to TransUnion, XXXX  and XXXX  about XXXX XXXX with a follow up on XX/XX/XXXX and XX/XX/XXXX. I have yet to get anything from anyone but TransUnion which was only a letter with the total charges coming to {$1000.00} but my credit report lists a total of {$510.00}. No information of the first delinquency provided. I have also reached out directly to XXXX to verify the account is mine and along with what the charges are for on XX/XX/XXXX and have gotten no response about this debt. On XX/XX/XXXX I put in a complaint where XXXX stated they have replied to me but did not attached any documents to the Complaint and then started to flood my mail box with new Validation notices. Which clearly shows they never sent anything prior and they are reporting the wrong date of first delinquency if the date shows one thing on the letter and another on my reports. 

XXXX ( XXXX ) {$4200.00} I do not recognize this account and have been disputing it and there has been no added notes of dispute since I started this dispute on XX/XX/XXXX. TransUnion has a date of last activity of XX/XX/XXXX and XXXX  has 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 explanation
Consumer complaint received 2018-03-29
Company: Ditech Financial LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Actually, this has been going on for years. Probably 5 years. 

They called consistently and I finally blocked their calls so I have no idea if they are still trying. They claim I owe over $ 27k but I have no idea why. I checked my credit report and this debt is not listed anywhere on it. Never was as far as I can tell. I finally wrote them a letter explaining that there is no connection to my credit and their debt. The amount is off the wall. So they wrote back and said they couldn't do anything about it or something without more information from me. So I ignored that as well because it seemed like they were trying to get me to pay on something I don't owe. Quite frankly I have been ignoring their letters since then because there is no connection. 

So the other day I get a letter from them saying I could write you if I had a complaint. So that is why I am writing you. I would like these people to get me off their radar because they are very irritating and just wrong. 

I don't have a scanner to upload a copy of their latest letter regarding how to report my complaint. I can give you an account number if you need it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Cedars Business Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have contacted Cedars Business Services in XXXX, CA and asked them to cease and desist all communication about 30 days ago. They continue to send letters demanding payment for debt I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
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: Account status incorrect

Complaint:
I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.

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 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 believe i have been a victim of identity theft my information was exposed in a data breach. This has really affected my life in so many negative ways. I need help getting this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX  XXXX Balance : {$0.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE 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 2022-01-09
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
True Accord sent me and email stating that they now own a alleged debt of {$400.00} that I allegedly owe to a company called XXXX. I owe no such debt and would like them to cease and desist contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: MS
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:
Equifax is reporting an account with XXXX XXXX that 's not even suppose to be mine or on my report period. I spoke with XXXX XXXX XXXX and I do not have an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
-HELOC with Capital One that matured in XX/XX/XXXX ; payments were made timely until refused during XX/XX/XXXX. I learned via a credit report review in XX/XX/XXXX that Capital One was reporting the matured loan delinquent and in foreclosure. I had not been notified and began disputing the negative reporting. Capital One send me a notification to apply for a loan modification. I applied in XX/XX/XXXX and was approved on XX/XX/XXXX. I accepted terms and sent notice to Capital One on XX/XX/XXXX. Yet, Capital One continued to report negatively while processing, contrary to the commitment letter terms. -A verbal rescission of modification ( received via phone ) in XX/XX/XXXX, citing an underwriting error ( due to my property being an owner-occupied 4-unit property ). I was told that the matter was under review and I would be contacted. I was not contacted again regarding the modification and subsequent calls yielded no further information. -I was advised to contact an attorney to learn more about the foreclosure proceeding status. Once reviewed, the attorney determined that the credit delinquencies were in error, as the note matured and the suit filed was not a foreclosure, but a suit on a note. A communication was sent asking Capital One on XX/XX/XXXX to correct the errors, as the inaccurate reporting was having a negative effect on my credit score/report making it difficult to obtain a loan through another lender to pay off the Capital One loan. -On XX/XX/XXXX I received an alert from the credit bureau that Capital One changed the status from " foreclosure pending '' to " Bank Adjustment, Deed in Lieu, or A Bank Liquidation status ''. This is also inaccurate, as Capital One has not replied to communications or notified me as to next steps. Subsequently, this update has dropped my score by an additional XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1- My credit score through Experian decreases even when I pay my credit card balance in full And when I check my Experian credit score through XXXXXXXX XXXX it show that my credit score is XXXX however when I check my Experian credit score through XXXXXXXX XXXX  it showed XXXX it is almost 30 points less however its both through Experian. 

2- Also still show that my account with absolute resolutions which was already paid in full is still on my credit report as delinquent.

3-My credit report with Experian shows that I still owe money to XXXX XXXX XXXX however I paid them in full 4- i have several credit cards that I have XXXX balance on all of them except one card only that I use it and pay it in full before the due date however I expect due to that I dont have balance on my credit cards, it means that my credit score should be increasing however my credit increases for few days then decreases against with no reason 5- I have tried to dispute some accounts on my Experian credit report but it never been removed from my credit report yet.

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 2018-02-04
Company: R3 Processing
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called a company R3 Processing to help me get a lower payment on my student loan. I completed an application with them and they gave me a username and password to the federal student aide website to check on my loan. The account manager who was handling my case said my payment would be {$74.00} a month. {$49.00} going to XXXX XXXX who they borrow money from to do the work for me and {$25.00} towards towards my student loan. I kept calling them about my application which they said could take up to 90 days. 90 days passed and they kept telling me my application was still being processed. Meanwhile I have been getting money automatically withdrawn from my bank account for {$49.00} by XXXX XXXX. I called XXXX XXXX and they told me R3 Processing said their work was completed. They said for consolidation. They did not consolidate my student loans. This was done in 1996. R3 Processing was to help me lower my student loan payments. They did not do this work. I have tried to call them many times and have left voice mails but have not received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Midwest Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I can not identify this item and is requesting a legal document or contract that binds me to this item, Not that it '' s accurate but something legal which by law i have the right to request. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: AMERICAN ADVISORS GROUP
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XXXX, XXXX, XXXX Montana AAG Vice  President, personally assigned me to his loan officer XXXX XXXX XXXX. In my conversation with XXXX XXXX, specific requirements pertinent to obtaining a reverse mortgage loan were disclosed. They included purchase agreement, counseling, FHA appraisal, and financial disclosure, all of which were provided. Nothing more was requested or deemed required. I explained my current and past residency and lack of credit history. XXXX XXXX clearly indicated this was not a problem since I was " the perfect candidate for a reverse mortgage considering my age, marital status, and substantial net worth ''. 


Since that time, endless amounts of data have been requested and furnished whether the data was relevant or not. In early XXXX the account was reassigned to XXXX XXXX XXXX immediately after XXXX XXXX XXXX had called to advise the loan had been rejected due to a conflict between the XXXX  XXXX XXXX XXXX XXXX, and FHA requirements. XXXX XXXX XXXX 's explanation of the facts along with my email to XXXX XXXX XXXX, AAG CEO resolved the issue overnight. The loan was then reinstated. 


XXXX XXXX has repeatedly lied, misled, misrepresented and failed to disclose requirements initially, and throughout the loan process. XXXX XXXX  's standard answer is " I do n't make the rules '', but he certainly knows how to break them This has placed all parties at financial risk, and in my case, resulted in health issues. 


The UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. XXXX of XXXX XXXX, XXXX levied a {$400000.00} fine against AAG, it 's Officers and Directors for fraudulent actions comparable to that of XXXX XXXX Once again AAG has violated XXXXederal Law, and will be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I went into XXXX XXXX XXXX in XXXX XXXX Illinois. I understood that they would need to pull credit report to finance the car. Om XX/XX/XXXX I pulled a free credit report from Transunion that showed 6 hard hits, 3 being the date on which I purchased my car. On XX/XX/XXXX, I called Transunion regarding the 3 inquiries  dated XX/XX/XXXX, from XXXX, XXXX, XXXX XXXX, I stated why is it showing 3 hard hits, it should be one because it was a car loan. They stated there is nothing they could do that I would have to call the individual inquirers to straighten it out. I call XXXX, who informed me it was the Car dealership to remove the inquires that they knew how to do it. I call them and spoke to someone in finance who informed me that of course my score would be lower I have a new loan. I informed him, I already went through the " dip '' of a new loan and this had to do with the inquires. He told me that XXXX would call me. I was unable to speak with XXXX on Friday XX/XX/XXXX when he called. I went to pull the report from XXXX XXXX to pull the report which sent me to you through an article that they had on file. I spoke with XXXX from your office on Monday. I am attaching the copy of the XXXX XXXX report. Any assistance will be greatly appreciated.

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 2018-02-04
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Passed statue of limitation New Jersey Passed Credit Card Dept. 
Was Charged Off in 2010 Total Amount {$7100.00} Due to Devoice Proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 and XX/XX/XXXX and XX/XX/2019 I contacted XXXX, XXXX and XXXX lodged a complaint that I had inaccurate information on my credit report. The company responded. I provided the information that they requested and notified the company that I do not owe this debt. 

They refuse to remove the information off my credit report. 
Capital One Re : Saks Fifth Avenue XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: PREMIUM MORTGAGE CORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I recently Refinanced our mortgage with Premium Mortgage Corporation out of XXXX. We closed on XXXX XXXX 2020. We were told because my wife had started a new job they would need a paystub before they gave us our escrow check. which we needed to help pay for our wedding XX/XX/XXXX. Two weeks had passed and we sent in her stub which was for 72 hours as she had started her job on a Tuesday. Now keep in mind I qualify for the mortgage on my own. But regardless now the new protocol they would not release escrow until we gave them an 80 hour check. keep in mind they called and verified her employment and we gave them her payment contract. By this point the loan was already booked and sold to another lender. The lender and closing office will not disclose a payment disbursement schedule nor Signed mortgage package .... I know that I should have a check for about 7k coming back to me and no one is willing to cooperate. Ive seeked legal council and told them I would be reporting them if they didn't hand over my escrow with interest.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My husband purchased a XXXX XXXX XXXX XXXX XXXX and financed it through BMW Financial. 

The vehicle was paid off in XX/XX/XXXX. We never received the title or lien release letter. 

My husband passed away XX/XX/XXXX. When I went to change the title and license it, the court house told me it still shows a lien on the vehicle. 

I called BMWXX/XX/XXXX and sent the will and death certificate attn : XX/XX/XXXX to customerdocuments@bmwfs.com. XXXX promised to call me back. NOTHING On XX/XX/XXXX I sent another email, and all I got was a response I could not use that email for correspondence. 
XX/XX/XXXX I called again, and was told that because the will wasn't stamped, XXXX couldn't call me back. She meant through probate court. 
XX/XX/XXXX I spoke to XXXX and explained to him that when I got in touch with XXXX County Probate Court Cordinator, she refused to put me on the docket for a lien release letter. There is nothing about my husband 's estate that warrants probate. This is the ONLY issue we have. XXXX asked me to send him the email from probate and he would call me by the end of the day. NO CALL. 
XX/XX/XXXX I spoke to XXXX, who told me that the way I fwd the email was not acceptable and that is why XXXX could not call me back. I then printed the email and attached it and sent it attn. to XXXX and XXXX. Again, no call back from either one of them. 
Today,XX/XX/XXXX, I have spoke to XXXX who stated that XXXX told him that this is at a supervisor 's desk, XXXX, and when she gets through reviewing it, they will get back to me. 
I asked to speak to another supervisor, and was told no, because it is in XXXX 's hands. NO ONE CAN HELP ME. I ONLY WANT THE LIEN RELEASE LETTER. I HAVE PROVIDED DOCUMENTATION THAT IS VALID TO RELEASE LIFE INSURANCE, 401 K FUNDS, BUT BMW IS REFUSING TO GIVE ME A LETTER WE SHOULD HAVE HAD OVER A YEAR AGO. 

I need to license the vehicle so I can drive it. I need it to work. 

I hope you can help me, I can not afford an attorney for this. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions 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:
enclosed are the documents to prove the FCRA violations done.

wrong, names, addresses The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

with all the incorrect information how could i actually have a fair opportunity to even see any of the debt or violations ... ...

FCRA laws Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States.

so please remove all the accounts see attachments

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