BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.

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 2018-06-25
Company: EQUIFAX, INC.
State: OH
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/18, I mailed XXXX XXXX XXXX a Validation Request Letter and on XX/XX/18 I received their response which I is a violation of the HIPAA guidelines. 
XXXX XXXX XXXX and XXXX XXXX XXXX have violated the HIPAA guidelines under HIPAA 164.502 by providing specific medical information to XXXX ( a collection agency ) where a collection agency does not qualify as a Business associate per HIPAA 160.103.3. 
HIPAA 160.103.3 states : ( 3 ) Business associate includes : ( i ) A Health Information Organization, E-prescribing Gateway, or other person that provides data transmission services with respect to protected health information to a covered entity and that requires access on a routine basis to such protected health information. 
( ii ) A person that offers a personal health record to one or more individuals on behalf of a covered entity.

( iii ) A subcontractor that creates, receives, maintains, or transmits protected health information on behalf of the business associate.

Regarding section ( i ), XXXX does not provide data transmission services. Regarding section ( ii ), XXXX is not a person but a company. Regarding section ( iii ), XXXX is a collection agency that might be considered as a subcontractor but I was given no authorization to XXXX to provide XXXX to receive my specific medical information. XXXX provided XXXX with specific medical procedural information of my XXXX XXXX XXXX XXXX XXXX reducible which is a flagrant violation of HIPAA guidelines. Ive attached documentation that proves that XXXX provided XXXX with information that violates HIPAA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: EQUIFAX, 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:
I got an alert on my credit file that my XXXX XXXX XXXX account was showing recent late payments so i called them and they stated they had been sending me statements to pay but they had the wrong address in which i have not changed my address so i wasn't sure where they had been sending my mail. Then they closed my account and i told them that i have been with them for awhile and why can't they fix the error that was their fault. 
I filed a compliant with XXXX XXXX XXXX and this is my dispute number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX. I noticed an alert on my credit report for a company I've never heard of, so I immediately started a dispute. Today XX/XX/XXXX, my results came back as accurate and meets FCRA requirements. I called and asked Experian to send me or what proof was sent to them to prove.it was my debt and I was told, that they don't investigate and they leave it up to the creditor to investigate. I also was told that if the creditor says I owe a XXXX dollars, that is what I owe. Can you imagine being told that by a credit monitoring company? They will not except another dispute from me. Credit name is, 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 2020-11-13
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to apply for a home equity loan and was denied because my bank XXXX XXXX XXXX XXXX said that I had a second mortgage. 

I contacted MR. Cooper Aka nation star to see what was going on as i have never applied for a second mortgage. During the recession a few years back I applied for a home loan modification along with millions of other Americans and was never told by nation star that it would appear as a second Mortgage. The numbers are not adding up nor making since. There website says i owe XXXX and they extended my loan 20 more years. So how do I have an extension of 20 years plus I owe XXXX plus on top of that XXXX. At the time i was doing my loan modification the young lady never mentioned this. This is deception at its worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/18, I contacted Transunion in regards to a drop of 130 points from my credit score. The message read that my school loans increased by {$27.00} which could be due to a missed payment. I tried to explain to the CSR that my school loans are in deferment, so that couldn't possibly be the case. I went on to explain to him that that increase was interest accrued. Also, neither one of the other credit bureaus decreased my credit score, and the same thing was reported on the two. The same thing happened in XXXX. I'd like my credit score restored, and all accounts on Transunion to be verified for accuracy. All the open accounts on my credit report are in " good standing '', and I've never missed a payment on either account. There is no reason for such a significant drop of 130 points.

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 2018-05-18
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Opened a savings and checking account at Chase Bank. Was charged for a debit card. No one told me. Was charged to withdraw money out of my account, no one disclosed this. Last straw was $ XXXX/month service fee on my accounts that again no one disclosed to me. Closed account and was put in negative on 2 accounts. After I told clerk that I might have pending transactions and he said " No they all cleared '' .These accounts were only opened XX/XX/XXXX to XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Nelson Cruz & Associates LLC
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX XXXX is a collection agency that has my student loan. I worked out a voluntary payment arrangement of {$50.00} per month this past summer. I told them over the phone what day to take out the {$50.00} payment each month. They called me and said that the {$50.00} a month can not be accepted anymore and they will recommend wage garnishment. My understanding is as long as I am voluntarily paying they can not garnish my wages or take my tax return. I feel like they are trying to bully me into paying more.

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 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 was able to put a fraudulent account and address on my report without my consent dated XX/XX/2018 for {$540.00}. This account and address do not belong to me and his affecting my credit. I am young and trying to establish my credit and this is hindering that. I have tried to dispute this with Transunion with no luck. Please remove this as soon as possible. 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 2018-05-18
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: Account status incorrect

Complaint:
XXXX XXXX XXXX credit card opened balance {$2900.00} XXXX XXXX XXXX collection company balance {$2800.00} XXXX  / XXXX charge off account balance {$2500.00} XXXX card credit card charge off account balance {$1700.00} XXXX credit card charge off account balance {$1000.00} XXXX XXXX XXXX collection account balance {$970.00} XXXX XXXX XXXX collection account balance {$610.00} XXXX XXXX  collection account balance {$410.00} XXXX credit card collection account balance {$350.00} XXXX/XXXX charge off account XXXX charge off 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 explanation
Consumer complaint received 2018-06-23
Company: National Enterprise Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX was private student loan lender and now I am receiving mail from NES Of Ohio stating that my student loans are in default and in debt collection. 

I contacted XXXX in XX/XX/XXXX to discuss repayment options and they told me they could no longer assist me because now NES Of Ohio has information on my student loans. NES Of Ohio has sent me notices in the mail stating I should paid the amount of {$7300.00}. From XX/XX/XXXX-XX/XX/XXXX I was a XX/XX/XXXX in XXXX and earned a readjusted monthly living allowance of $ 250.00- {$260.00}. From XX/XX/XXXX-XX/XX/XXXX {$50.00} were deducted from my readjusted living and sent to XXXX for student loan payments. 

I previously spoke to XX/XX/XXXX in XX/XX/XXXX a month after I returned from serving in the XXXX XXXX and they told me over the phone that I could pay {$38.00} a month but I was unemployed at the time.

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 2018-12-18
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX, then changed to Nationstar and now Mr. Cooper, did not credit all the payments made to them, evidenced by my XX/XX/XXXX-XX/XX/XXXX mortgage interest statements. Instead Mr. Cooper states the mortgage was not paid after XX/XX/XXXX but yet, my mortgage interest statement dated XX/XX/XXXX showed an actual escrow balance of {$5100.00} with a surplus of {$3000.00} based on the XX/XX/XXXX-XX/XX/XXXX payments that had been made. This is an example of faulty record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: eMoneyUSA Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX I was approved for an installment loan. On XX/XX/XXXX the company was sent an ACH termination letter stating that I would submit payment via mail. On XX/XX/XXXX I received a text message from XXXX stating that my account would turned over to collections if I did not provide them with a debit card. I told XXXX that I would provide them with a debit card info once I got home. This was stated after XXXX asked if I could get a prepaid debit card. I never provided the information. On Thursday I received a message stating that I needed to make a {$50.00} payment or my account would be turned over to collections. I advised that the paperwork doesn't state anything about a debit card being on file in order to prevent account from being turned over to collection ( {$50.00} wad also mentioned ). The rep kept asking fir a debit card and she also advised that my account would be sent to collections at XXXX today. I received an email staing that my account had been turned over to collections and they will be reporting a charge off to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: National Credit Systems,Inc.
State: NC
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:
National Credit System failed to informed me and provided valuable information about the debt they are claiming I owe. The source of the issue never been communicated to them, I am actually about to sue my leasing office for not informing me about the issue and issuing my information to NCS without sending me a formal letter. NCS failed to inform me of the situation and started reporting to credit bureau without even contacting me. No email, no certified mail was sent to me. I contacted them in several occasion to have them send me mails with clear explanation of the money thy said I owe them but never nobody ever sent me any explanation. They started reporting on me in XXXX without contacting and first time they contacted me was in end of XXXX. How can you send my information to credit bureau without even calling me and sending me certified mails to explain the situation? 
They started reporting on XX/XX/XXXX, 25 days after i left my old apartment and for the little story I provided them with proof I was leaving the place 3 months prior i left, and the first time they contacted me was XX/XX/XXXX, with no mail, no explanation of what is going on, i request several time for them to send me a mail with all explanations they never delivered. This is a very first time i am having this issues, my rental history has been perfect therefore I am about to sue them pretty soon if this issue is not resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
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 information incorrect

Complaint:
Legally paid in full for less than the full balance ... this is a false and inaccurate statement that Experian declines to remove from it's records, and I recently received a letter stating that they will not reinvestigate this claim again ... yet they have failed to forward me any document or original contract with my signature or a name of the verifier ... this is against F.C.R.A. law and violates my rights ... this was not a charge-off or collection ... I paid this account as was agreed upon ... 

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 2018-05-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am an attorney representing the homeowner. Wells Fargo refuses to speak with me despite having submitted letters of representation twice via email to the specific account representative and the homeowner faxed same to the fax number provided by the representative. As I type this complaint, I sit on an indefinite hold awaiting a supervisor. My basis of my representation stems from Wells Fargo 's unlawful debt collection practices, in violation of the terms of its agreement with the homeowner. Moreover, these practices by Wells Fargo include improper negative credit reporting and repeated dunning collection calls despite my repeated notices of representation. I am attempting to resolve this dispute amicably, without litigation and without incurring excessive legal defense costs - they just won't even talk to me.

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 2018-12-18
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received calls from XXXX and indicated they were on a recorded line. Advised the number the person was calling was place of business and they need to contact on the personal phone. They have called a couple of times and it is inappropriate to call the work place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Midwest Recovery Systems
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  XXXX has posted collections entries to all 3 credit bureau '' s without aquiring proof of legitimate debt. It is also made duplicate entries on my XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Can not figure out why my score dropped 26 points in 1 day. 

I called XXXX and My XXXX card says my account is in perfect standing!

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 2018-06-23
Company: Resurgent Capital Services L.P.
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:
I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and XXXX and XXXX  their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: EQUIFAX, INC.
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:
I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and XXXX  and Equifax their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Navient Solutions, LLC.
State: CA
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:
in XX/XX/XXXX I spoke to a Navient representative about my two private loans increasing in the payment amount due and if there is any way to lower the payments. They told me they were able to drop the payment from the {$220.00} amount down to, if i remember correctly to the {$170.00} range. It wasn't a huge difference, but this drop was enough to help. So I then scheduled the payment to cover that amount. this was early to mid XX/XX/XXXX when I did this just because I did not want any issues to take place with my payment. Which has happened multiple times in the past.

Now on XX/XX/XXXX I received an email saying that my request for that repayment option was denied. So I called on the XX/XX/XXXX to try and resolve the issue before my payment was due. They told me that I did not qualify, because my loans were not eligible ; even though there representative told me I did in the first place and that my payments will now be around {$220.00}. I just logged in today, XX/XX/XXXX, to schedule my payments for next month and the payment increased to XXXX and even worse when I called they told me I owed XXXX. How do these numbers not match? 

I called on XX/XX/XXXX around XXXX XXXX and explained what happened, my call was then transferred to a gentleman whose name I do not recall. He explained to me that my interest rate increased at the end of XX/XX/XXXX, which I never received any information from navient about the increase. I have screen shots of all the files that were ever sent to me through navient and none of them even bring up a possible increase in the interest rates of my loans. 

Long story short I was told that they can not do anything unless a call and so a budget check to show that I am under financial distress because of the loans.

Company response to consumer: Closed with explanation