BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-06
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: Information belongs to someone else

Complaint:
Im reaching out to you all about some accounts that are still on my credit. I went to the bank to cosign for my mom a car and was not approved. I went and looked at the credit and see this accounts on here that are not mine. I was advised to reach back out to you all. Please take them off my credit so I can help my family XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NC XXXX, XXXX XXXX, Rise. I also saw a few inquires and I saw that yall have 2 address on my credit where I never lived and where is work in wrong. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My only address should be XXXX XXXX XXXX XXXX and i work for NJ XXXX XXXX. I'm doing this on my own behalf and I have attached the report I filed with the FTC.

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 2023-09-30
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company is in violation of cease and desist order that was sent XX/XX/2023. 

Cease and desist requires ceasing of all and any communication regarding alleged debt including reporting any information pertaining to me to ANY third party including CRAS!

Company is in violation of USC 1681 ( m ) ( A ) ( B ) ( C ) ( i ), ( ll ), ( ii ), ( a ) which states- REQUIREMENTS on users of CONSUMER REPORTS!!

B ) Action described An action referred to in subparagraph ( A ) is an ADVERSE ACTION described in section 1681a ( k ) ( 1 ) ( A ) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 1681a ( k ) ( 1 ) ( B ) of this title.

( C ) Information described Information referred to in subparagraph ( A ) ( i ) except as provided in clause ( ii ), is information that ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; AND, ( II ) BEARS on the credit worthiness, credit standing, credit capacity, character, GENERAL REPUTATION, personal characteristics, or mode of living of the consumer ; AND ( ii ) DOES NOT INCLUDE ( I ) INFORMATION solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person furnishing the information ; OR ( II ) information in a consumer report.

COMPANYS ADVERSE ACTION of Unlawfully furnishing inaccurate information to any report or person without my written consent is harming my reputation and by law nothing pertaining to credit can harm a consumer reputation.

Company bought debt belonging to the United States see 18 USC 8. Debt doesnt Belong to me by law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Ascendium Education Group
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
2 of my loans say that XXXX dollars were dispersed ... ..yet thousands of dollars are due. My tax return has been taken from me since they went into default and XXXX of that is showing ever having been applies The amount of money my servicer says i owe is ridiculously higher than the website... .with no record of ever having received a payment I am lied to every time I call ... .Is a Federal loan not subject to FDCPA? What Federal agency would i contact to file an FDCPA complaint against the servicers for openly lying to me over and over. Saying that they are department of Ed, no you are a servicer and that is a lie... ..that is a violation of my FDCPA... .they tell me that i should have all my loans cancelled... even sent me the form and had me submit ... .i did ... .they told me that the Department of ED denied my application ... .Lie... .it was them ... ..Department of Ed never saw the application... .the servicers lie , lose payments, give false hope, and take my money. Why should i pay them. By the way its the FTC that manages cases of FDCPA... ..and the servicers claim to record calls for " quality '' i bet that the calls is " lost '' by the time they have to prove how bad they are.

****copy of complaint on department of ed website ****

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: MO
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:
As a Missourian in concert with the state law one has the right to bring civil action against anyone including a consumer reporting agency, inwhom improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data. My instant issue here is that I have sent a demand to all of the 3 major credit reporting agencies to either provide me with physical documentation of these unknown and unauthorized accounts reporting on my credit file or to block, remove and/or delete these items immediately Pursuant to FCRA 611 ( a ), and the FCRA. 

Accounts 1 ) XXXX XXXX {$4500.00} 2 ) XXXX XXXX XXXX {$30.00} 3 )  XXXX XXXX XXXX {$680.00} 4 ) XXXX {$72.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX of {$5600.00} 9 ) XXXX XXXX {$2800.00} Please remove all the about accounts from my credit data file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Copper repeatedly sends me threatening letters to purchase insurance on my home. My home has had continuous insurance coverage with XXXX. XXXX has been my insurance company for more than 30 years. 

I'm tired of the harassment and threatening letters. 

Mr. Cooper should be contacting XXXX to resolve the situation. Apparently they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRUIST FINANCIAL CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle form XXXX XXXXXXXX XXXX in XXXX Kansas, which was a disaster I received a call from the bank regarding the loan and to let me know that the dealership had put extra features in the cars description that the car didnt have, I reached out to the dealership and had no answer and I also reached out to the bank Im in the XXXX currently stationed at XXXX XXXX serving the XXXX Brigade support battalion about to deploy overseas and I need this matter taken care of and besides I took legal advice from XXXX XXXX XXXX XXXX and was to learn that the contract of the vehicle is in violation with the military lending act I just want my down payment back and get rid of the vehicle its been more than two months that I have the vehicle my temporary tags expired and I cant register the car because I havnt received the title or gotten any answer from the dealership I pelase Need help

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 2023-03-07
Company: CITIBANK, N.A.
State: NM
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:
My credit card was lost, my way fair credit card issued by citi bank. The bank did not notify me of ANY transactions. This was a new card, only a few months old, only used for the purchase of one couch!!! There were countless purchases made in the card when it was lost and I got no fraud alerts or statements from citi. I saw my score dip on XXXX XXXX and I found out the card was lost. I calked citi right away. It took citi over a week to understand that the card was lost and the transactions were not mine. Today, my investigator told me and told me that XXXX XXXX XXXX had told them that they have footage of me at their property. I have asked to see the footage which the card company XXXX not have. The investigator has gone on vacation and has asked me to get information from XXXX showing its NOT me. And if XXXX gives me no information then the card company will assume its me. I would like to see if this was a chip transaction. If a phone or email was used!! I would like to see this footage. This is NOT me and unauthorized transaction for which I am not responsible. The burden is on the merchant!! Please get this footage!!!

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 2021-05-24
Company: LEXISNEXIS
State: NY
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:
My name is XXXX XXXX XXXX My mom name is XXXX XXXX Her husband name is XXXX XXXX I XXXX been an victim of identity theft since the age of XXXXXXXX XXXX Where before I came out of my group homes my mom XXXX and her husband XXXX which is my step father been using my social To run up bad debt before I even had the chance to use it for myself Lexis nexus another data company that they option me out of, so that I wouldnt be able to see certain accounts on my report knowing an regular consumer report has a way of receiving its information and now me being XXXX it is effecting judgements liens before I was even able to get a job, my social they use to require jobs, phone bills mortgages insurance benefits Wasant informed of nothing nor received the help from the benefits. 

The reason I was in the group homes was because of abuse I have called them and know this is finical abuse can somebody please Let XXXX XXXX XXXX core logics lexis nexus Mortgages insurances judgements liens auto insurance I have a XXXX since I was young. My mom use to get benefits for me being XXXX. Idk who they are getting away with this stuff the scandalous activity needs to stop its not just like a somebody puck up my social and used it once or twice this is a whole operation they been doing and I have got the police Irs trade commission and have contacted legal services for an attorney the proper and legit way please give me some understanding. There XXXX XXXX they was not XXXX XXXX XXXXXXXX. I was they look at me like money gold mine because I was XXXX XXXX XXXXXXXX they are not from untied states.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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:
I call Experian and XXXX made it very clear this a fraud account

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 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
As a Missourian in concert with the state law one has the right to bring civil action against anyone including a consumer reporting agency, inwhom improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data. My instant issue here is that I have sent a demand to all of the 3 major credit reporting agencies to either provide me with physical documentation of these unknown and unauthorized accounts reporting on my credit file or to block, remove and/or delete these items immediately Pursuant to FCRA 611 ( a ), and the FCRA. 

Accounts 1 ) XXXX XXXX {$4500.00} 2 ) XXXX  XXXX XXXX {$30.00} 3 ) XXXX   XXXX XXXX {$680.00} 4 ) XXXX  {$72.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX   XXXX  XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX   {$5600.00} 9 ) XXXX XXXX {$2800.00} Please remove all the about accounts from my credit data file.

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 2020-08-01
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
applied for a mortgage with Navy Federal Credit Union in or around XX/XX/2020 all required documents were submitted. Loan processor request LETTER OF EXPLAINATION and PAY STUBS which was submitted as well. underwriter response denied loan stating what my DTI were excessively high. 

after receiving denial letter I was confused by their boiler-plate response, see : Attached. 
no details regarding actually reason for denial- my highest debt would be a mortgage with NAVY CREDIT UNION on a owner-occupied duplex.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Frontline Asset Strategies, LLC
State: SC
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:
My credit score was reduced because of a so-called nonpayment. I specifically told XXXX not to send router or sign me up for their services. ( I have an email that states that ) I appealed 4 times to XXXX which denied my dispute. I contacted them and the collection agency and XXXX to no avail. My credit rating has always been XXXX before this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-03-02
Company: ENCORE CAPITAL GROUP INC.
State: MS
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:
From XX/XX/2021 to XXXX XXXX XXXX  its shows on app XXXX credit bureaus that a bunch of car dealerships ran my credit over XXXX times on some vehicle purchase and I have contacted them numerous times and cant get anything done. My father has the same name as me and maybe it was him but I havent authorized these credit pulls and want them removed. Below I am attaching the pictures of some of the inquiries. The only credit inquiries I should have will be from XXXX XXXX XXXX only. I really need some help with this. Please call me at XXXX with any questions you may have. Thanks and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Information belongs to someone else

Complaint:
I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., 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 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 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 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 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 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 2023-06-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon retrieving my credit report to my surprise I noticed an inaccuracy. 
It was a COLLECTION account XXXX acct # XXXX reporting that NOT ONLY AS AN OPEN STATUS, BUT ALSO A PAST DUE AMOUNT of {$1100.00} It also is showing I have a 1 month term with a no monthly payment .which I have not signed a contract for. Not accurate According to the FCRA I have the right to an accurate credit report. I sent a certified letter to Experian about this on XX/XX/2023 which they received on XX/XX/2023 and asked them to remove this item due to inaccurate reporting ( a collection account cant have an open status and a past due amount reporting On my credit file.

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 2020-03-04
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For the past several months I have had an ongoing issue with Sallie Mae. I dont have specific dates because it is every single month there is a problem with Sallie Mae. First they turned off my auto debit for my payment, I called and was told auto debit was not an option even though I had it for over a year. Called back again and someone said it was an option and wasnt sure why I was told that. Auto debit was turned back on, then Sallie Mae continued to pull my payment from the incorrect bank account after I had called twice to update it, they charged me late fees for an error that they made. Now every month I have to call to set up a payment and sometimes I am told auto debit is on and sometimes I am told I have no auto debit on my account. All payments are up to date, and since XX/XX/2020 I have been fighting with them because they are saying my account is past due when I literally spoke with someone and have emails showing the payment being processed. Every time I call a customer service representative with what seems like has half a brain tells me something different about my account. One told me I owed {$400.00}, another told me {$900.00}, another told me {$700.00} and another told me {$1600.00}. When I asked why that was the balance owed when I made all payments her response was well I didnt really look into it so you mean to tell me youre a rep for a student loan company and you tell someone information about a payment and you dont really look into it? They told me to submit my bank statements showing proof of payment, I did, then they call back a few days later saying they cant find the bank statements I submitted. And then tell me a new balance is owed. How is there a new balance owed every time? And how is there a payment due when Ive made the payments? They offer no solutions, they offer no alternatives, they have no knowledge of anything they are talking about. Every single person I speak to has something different to say about my account but not a single person can offer a helpful solution. This is the absolute worst company I have ever dealt with and I have no idea how they are even operating. The most unprofessional, unknowledgeable company in student loans. They lose my payments, then put them past due, then state my account is current, then say theres late fees. I dont trust this company with any money I have to give them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Caliber Home Loans, 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 status incorrect

Complaint:
XXXX is reporting inaccurate account information to my consumer credit report! My mortgage payment with CALIBER HOME LOANS is not delinquent. Caliber home loans deliberately posts payments 40 days late. Caliber home loans doesnt communicate with their own in house credit department that they are behind in posting payments which leads to erroneous and inaccurate payment information being submitted to the credit bureaus. I called 2 weeks straight! XXXX in single point of contact hung up on me. Caliber home loans does not help the borrower.

Company response to consumer: Closed with explanation