BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was checking my credit report and I saw that my credit score is low. I don't know why you put this information on my account. I believe someone used my personal information and applied for this

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 2020-04-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EQUIFAX I AM CONTINUOUSLY HAVING ISSUES WITH EQUIFAX 'S FALSE REPORTING. 
DURING XXXX THEY DEDUCTED 9 POINTS FROM MY CREDIT SCORE BECAUSE THEY FABRICATED A ACCOUNT REMOVAL FROM MY XXXX  ACCOUNT. 
THEY STATED THAT MY AUTO ACCOUNT WAS REMOVED FROM XXXX XXXX. IT HASN'T. 
I BELIEVE THAT THE MANY PAST MONTHS OF INCONSISTENT REPORTING IS THE RESULT OF TAMPERING FROM EMPLOYEES WHO ARE WORKING WITH OUTSIDE ORGANIZATIONS AND AIDING MEMBERS FROM SPECIFIC LODGES FOR REQUESTED RETALIATION THIS TAMPERING WITH MY ACOUNT SUCH AS CHANGING MY BIRTH DATE, MY SSN NUMBER. INSERTING FRAUDULENT INFORMATION IS CONSTANT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Trans world is placing items on my credit report that has not been confirmed or provided anything in writing to me. As part of the Fair Credit Reporting act, I am entitled to have information accurately displayed on my credit report. There is no new collection or past collection reported to myself. If it was fairly identified as a debt I owed it would never went to collections because I personally would have paid it. This is not identified as a credit account, loan, state or government lien. I demand it is fairly displayed as I do not have outstanding debt owed to Trans World or any of their affiliates. I want my credit scored returned to previous value as this is not a new collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are errors on my credit report pertaining to the following Personal Information.

INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : 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 2021-03-25
Company: REGIONS FINANCIAL CORPORATION
State: TN
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 I viewed my credit report and noticed an account that i have never applied for nor had communication with.

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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts On XX/XX/21 please be sure to enter dates that all letters were sent. 

Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account Review inquiries had account that I dont even recognize, 14 accounts, the address was in a different address by I did change to the right address but I think that the person had my account mess up my credit score

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 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 2018-06-12
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt from original creditors transferred to collections ( IC Systems ) prior to 180 days. According to The XXXX XXXX XXXX insurance should be not be allowed so that insurance can complete processing

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 2019-06-27
Company: Commonwealth Financial Systems, Inc.
State: TX
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:
On XX/XX/19 I received a credit alert regarding 4 collection accounts reported on my XXXX report - these had been placed fraudulently on my credit files when the XXXX breach occurred 2 years ago. I was able to remove them after about 3 months of fighting and using resources I found here to use the proper wording to get them to actually verify the validity now 2 years later another company named Commonwealth Financial reported the exact same fake medical collection accounts - XXXX  would not let me dispute or access any records online. I had to do it over the phone and they told me on XX/XX/19 they would never be able to restore my online access. So they sent me an email on XX/XX/19 stating the disputes were processing and should expect an update around XX/XX/19, instead I received an email to log into my account, my dispute results were completed- of course I cant access them online, so I called and they said they verified the fraudulent, illegally re-aged, medical collection accounts with Commonwealth on XX/XX/19. Impressive they were able to verify info that could not be verified as it is and was never mine. They said if I purchase their online monthly monitoring service for XXXX $ per month I would be able to access the info online and use their tools to dispute the dispute results and have access to their credit repair specialist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: TX
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:
There are two late payments listed on a XXXX XXXX XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a check for XXXX check # XXXX. Was my loan balance. Sps company managing loan destroyed check check was dated XXXX.They told me i needed an pay off amount. They sent me a pay off amoumnt of {$40000.00}. That was good until XX/XX/2021. I sent another check for {$40000.00}. And it was delivered on om XX/XX/2021. I have a mail recept that check was delivered on XX/XX/2021 AND IT WAS DELIVERED TO PAY OFF DEPT. SIGNED BY XXXX XXXX.As of today I have not heard anything from SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient Private student loan. Has called me ( XXXX XXXX ) at my work place when it could potentially cause me to lose my Job. Calls constantly and emails me as a Cosigner for my husband 's private student loan. My husband ( XXXX XXXX, has reached out to Navient however they want a huge lump of payment from him, hence we have used a consumer credit assistance through XXXX XXXX XXXX and ( Navient ) continues to refuse to work a flexible affordable repayment options with XXXX XXXX XXXX. Has threatened my husband and me with debt collection tactics by email, letters, phone calls ... Times are tough and if Navient continues to call my work place I could potentially lose my Job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My name is XXXX XXXX, and my grievance is with the following : Experian credit reporting agency, XXXX XXXX is the representative from Experian, moreover they've move my credit file to some department they reference as their Special Services Department, Experian 's Representative XXXX XXXX has been extremely rude, furthermore he has been exhausting and very difficult to deal with ; I've complained about the unauthorized hard credit inquiries listed on my credit report, XXXX XXXX has refuse to take my dispute for the hard inquires, XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX . The next issue is XXXX  XXXX XXXX, They've have reported a settled account using totally different verbiage than originally agreed to ; they agreed prior to the me paying, that they'd add the following statement to my credit report '' XXXX shall consider the Borrower 's account to be settled, and shall notify the credit reporting agencies that it reports to that Borrower 's has been settled in full. They've reported something completely different '' Legally paid in full for less than the balance and caused my credit score to drop more than 50 points, this has adversely effected my credit standing, for the next 7 years. They should immediately correct the language, more XXXX XXXX also stated that this would not negatively impact my credit report, they've made false promises to get me to pay in advance. the original loan was for {$15000.00} and they collected initially {$500.00} for themselves, I've paid out over {$20000.00} on this loan, do to Covid 19 they offered a settlement directly, moreover more importantly, they said it would not impact my credit reporting, as long as I paid the agreed amount with in a certain time period.

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 2018-11-23
Company: Creditor's Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by mail by Creditors Collection Service. I called them by phone to set up satisfactory arrangements for the debt in question. We agreed that i was to pay {$29.00} on the XXXX of the month. I kept my end of the deal. This item as told to me by the representative would remain off my report as long as payments were paid as agreed. They in turn went and reported the debt to the credit bureaus for an inaccurate amount. And I kept my payments as agreed. This item was not on my report prior to me setting up this arrangement with them, which were paid as agreed. They used this as a scare tactic trying to rush me in paying this debt in full after the communications they sent never said it would be reported. It said only if satisfactory arrangements had not been made, that's when it would report this account to the bureau. This has affected my score by 33 points with one bureau and 20+ points with another. I kept my part of the deal they did not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This complaint is against Credit Acceptance Corporation. First I have the picture of the vehicle which is a total loss. Second the GAP insurance company that process the claim. Is not the company listed on the original retail installment contract. Third the amount owed on the car and blue book value of a 2010 XXXX XXXX with XXXX miles in Good condition was LESS than what the insurance company would have to pay for repairs. The vehicle is a Total Loss. Credit Acceptance Corporation practice unfair business practices against minority groups to gain profit.

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 2018-11-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an open credit line of {$8700.00} with a XXXX balance. It was closed by the company. When I inquired about the closed account, they stated they could not reopen due to the risk associated with the account. I advised them that the disclosure I received did not state that they could close the account due to inactivity. ( That was the initial reason I was given, then it went to a risk situation after I made a formal complaint ). I was going to use this for my home improvements when I moved into our new home on XX/XX/2019. I am requesting to have the account reopened without a credit check as I have never been late on this account and paid my balance in full.

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 2018-11-23
Company: Receivables Performance Management, LLC
State: PA
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:
RECEIVABLES PERFORMANCE {$1000.00} I challenge the accuracy, compliance and reportability of this listing by RECEIVABLES PERFORMANCE, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX  ) no contract existdebt can not be collected twice ; this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2019-08-16
Company: First Associates Loan Servicing LLC
State: TX
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 was a victim of predatory lending with School XXXX XXXX was sent a letter by Student CU Connect informing me that I’m no longer responsible for loans and I have a XXXX balance. But company refuses to honor the discharge. And I was sent a letter that my dispute was denied by company XXXX. Student Loans Amounts in Total is XXXX dollars. XX/XX/XXXX loan amount $XXXX. , XX/XX/XXXX $XXXX,  XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX. This has been an on going problem for 10 years. And I would like to be able to get my life back. I’ve reported to all bureaus and was denied of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Experian Information Solutions Inc.
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 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 2021-10-22
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
1.I have a conventional first mortgage with Mountain America Credit Union that I opened on XX/XX/XXXX. 



I always made my payments on time. In XX/XX/XXXX we had trouble making our payment due to COVID. We reached out to the credit union and informed them the payment would be late and we made the payment on XX/XX/XXXX of {$1500.00}. This was the payment that was due in XXXX. Without my knowledge, the credit union did not follow the Care Act and marked me 30 day late on my credit report in XX/XX/XXXX. 



Recently I got a job in a near bye city. Since the commute is long, we decided we wanted to sell our home and purchase another one closer to work. When I applied for the new mortgage, we found out about the 30 day late. I was surprised since I know the Cares Act does offer relief for COVID related issues with making your mortgage payment. I reached out to my credit union to inquire as to why they were not following the Cares Act and they would not give me a straight answer and required me to submit a dispute online. I could not talk to anyone and after waiting for weeks I got a letter in the mail saying they are not going to change any of my reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Experian Information Solutions Inc.
State: SD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am attempting to review and dispute information on my Experian credit report which I am unable to do because their website is not working and has not been working for several weeks.I have experienced assault and damage to my credit report as a result of attending an XXXX XXXX XXXX XXXX XXXX   where I obtained a XXXX  GPA in the last semester I attended.One of the harassing messages I received online was a question asking me if I wanted to play XXXX XXXX. I also was told in XXXX  that they have Experian there too just like the USA while exploring possibly moving there while on vacation.The Experian representative told me that they can not give me access to my online account for a dispute even though their website does give an option to downgrade the account. The representative said I would have to provide a credit card that he worked in the membership department and that Experian does not have a technical support department to address issues with the online account.This is possibly preventing me from obtaining the best financial products I am eligible for as my reports on XXXX and XXXX  where inaccurate upon review within the past few weeks.

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