BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: LoanCare, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to this company from XXXX XXXX XXXX  To go from a modern " up to date '' system, to the horrifying experience MyLoanCare is, is probably an understatement. 

Their website constantly has issues in all aspects. Had a 3 month fiasco of trying to submit my home insurance proof to them and they still haven't input it into their system. 
Had trouble paying for the mortgage online using their system as it would have user verification issues. The site looks like it was built in 1991. 

Their customer service is not helpful. In my experience with them, I can only recall one time the customer service representative wasn't rude. Many times was told conflicting information and have been charged late fees because I followed instructions given to be by the representative. 

I really appreciated their forbearance program, as it was crucial in my families survival with minimal income and I'm grateful for that ... but their site wouldn't register that I was on the forbearance plan and kept trying to charge me late fees. It seemed like their ENTIRE System didn't register I was on their forbearance plan because I would constantly receive reminders via E-Mail or Postal Mail saying I should use their forbearance plan. When I would call about being on the forbearance plan, their customer service representatives would tell me I was late on payments and I will receive multiple penalties. 

The latest incident - currently trying to handle - is that when trying to close on my apartment, buy a new home, and close the loan, they won't send the final mortgage amount to my escrow company and I am in a contract to have to pay a fee for every day the escrow company doesn't receive the final loan amount. It's extremely frustrating because they said every time I call about checking the status of this, it RESETS the claim and sets back the process and restarts the clock back to zero. I don't understand how the company is still in business.

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 2022-12-31
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:
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights.15 U.S.C . 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-09-17
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to unfreeze my Equifax credit report so that I can apply for a new credit card. For the last XXXX hours, the XXXX website does not work : when I sign in, I get a screen that says " We are temporarily unable to complete this request. '' I got this same response about 10 times over 48 hours. 

When I tried to call Equifax to unfreeze my report, their phone system malfunctions : It asks me to say or enter various data ( phone number, numerical portion of street address, etc. ). The system then fails to properly recognize some digits, whether entered by voice or on the phone 's touchpad. I've tried to use the phone system five times, entering the data both by voice and by touchpad, and I have not succeeded in getting through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I filed a complaint with CFPB for identity theft with all three credit bureaus. ( see attachment ) and then sent a handwritten dispute on XX/XX/2022 to all three credit bureaus stating the same. After their investigation, Transunion deleted XXXX XXXX ( account number XXXX ) however, XXXX and XXXX elected to leave it on my credit file. ( PLEASE DELETE THE ACCOUNT ) They stated that it was verified as accurate. How did XXXX and XXXX verify the account as accurate? First and foremost I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Secondly, if all three bureaus did their due diligence in investigating the dispute they would have deleted all the accounts in question. TranUnion stated that XXXX XXXX XXXX ( account number XXXX amount {$6500.00} ), ( account number XXXX amount {$1700.00} ), and ( account number XXXX amount {$250.00} ) were verified as accurate. How so when the date of the last payment doesn't match with XXXX 's reports ( see attachment ) whom also stated the accounts were accurate and verified. The Information reporting has to be 100 % accurate. So if an investigation was completed then all credit bureaus should be reporting the same information but they are not! After XXXX 's investigation, they stated that the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were verified as accurate and modified. If the investigation took place why are there discrepancies in my credit file? XXXX has also reported that payments were made in the last 3 months on the charged-off accounts. ( SEE ATTACHMENTS ) This is unacceptable. All three bureaus are in violation of my consumer rights and I just wish they'd do what's fair and equitable to me as the consumer by deleting the items. It's their obligation to make sure that the information reporting is accurate and relevant and they've failed to do so.

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 2022-11-07
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was already paid in full, but Receivables Performance has not only been harassing me for {$75.00}, they went on to send a derogatory remark on my credit reports.

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 2020-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A second XXXX XXXX account was opened in my name and appeared on my credit report after I paid off one XXXX XXXX account. I am not the owner nor did I open a second card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AD ASTRA RECOVERY SERVICE ( 12 SPEED CASH 16 ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: AZ
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: ABC Loan of Martinez/ Georgia Finco Holding Corp
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never stepped foot into ABC loan company a day in my life. They are trying to collect debt that I do not owe to them. I have constantly called them to dispute this off of my record and they are giving me problems but this is illegal I never signed anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a mortgage with XXXX. The last time we made a payment on the account was XX/XX/XXXX. XXXX sold the account to Seterus in XX/XX/XXXX. We never had any dealings separately with Seterus. They took over the XXXX account. We sold the house in XX/XX/XXXX and paid off the mortgage. Seterus is incorrectly listing the account opened in XXXX and listing it as a foreclosure on one credit report. The account was never opened with them in XXXX. We had no dealings with them other than selling the house in XXXX nor did we ever take out a mortgage directly with them. 
There was a class action suit against them in XXXX because of their lending practices so we are not the only ones who have had problems with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have tried to resolve these issues countless times with compelling evidence. The bureaus state that they have verified these issues and they have never send the original contract needed to prove their investigation. According to 15 USC 1681 ( I ) ... they must prove Accuracy. No debt collector can report to the bureau as the original creditor... XXXX XXXX any such entity that are not the original creditor by law can report my financial issues.. because their not the creditor .. XXXX XXXX XXXX has been paid..I have the XXXX because I had XXXX XXXX the debt was paid. And any and all Inquiries must be removed.. 15 USC 1681..I have the right to privacy ... This was a Consumer Transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
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: Was not notified of investigation status or results

Complaint:
I sent the letter regarding inaccurate information on my credit report. It's been over 50 days and I have not received a response. At this point, I feel my dispute is being ignored. Section 611C states that a failure to investigate these items within 30days results with immediately removing these items from my credit report. This items have been in dispute for over 50days and should be deleted from my credit report. I am tend to file a FTC complaint and sue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: GreenSky, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After a repeated string of calls over the past few months, especially since COVID. on XX/XX/2020 GreenSky decided to call me 6 times in 4 hours, once 10 minutes apart at XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

I understand this is a debt I owe and plan on paying when I can get back on my feet, repeated calls aren't the answer and won't get me to pay sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, 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:
Dear Credit Bureau : I pulled a copy of my credit report and noticed a fraudulent account. 

Creditors : XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX  Account : Reason : i I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) I have submitted request to Consumer Financial Protection Bureau to received documentation regarding these matters and the companies have not responded in a reasonable amount of time. These fraudulent accounts were not authorized by me.. 
Thank you. 
Attached is the police report and Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hey guys, on XX/XX/XXXX I got deposited sba relief loan in the amount of XXXX. I got accepted from the sba after all the pending process so I have a current contract with sba to make certain payments every month and I still dont have my funds. So I received my funds to the account so since my account is on Restriction due to the loan. I showed them proof of my loan agreement and contract details and everything and still nothing. They put it on restriction for quite some time now n they decided not to be in relationship with me anymore n close my account but before they close my account they said they have to send the loan back and it might take some time within weeks or months or so and Im still waiting and they havent sent the funds back to the sba and is like I did everything in my power to sort this all out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I requested investigation from credit bureaus and never had a result of it. I have also requested Method of Validation from them and have never got a reply from them as well.

The status for 2 accounts is listed as charge off/collection .However there is no information about who is keep reporting this items or any information about collectors.

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 2022-10-05
Company: EQUIFAX, INC.
State: NC
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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
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: Investigation took more than 30 days

Complaint:
I have been disputing a item on my credit report, for sometime my latest dispute was sent a XX/XX/2018. The credit agency equifax is the agency that sent the results of my dispute it was dated XX/XX/2018. I mailed the dispute on XX/XX/2018. I received the result of the dispute a day after XXXX, Which is more than 30 days, this is false information on my credit report that is said to be accurate which is false, the account number of the dispute is XXXX, XXXX/XXXX. The credit agency XXXX  updated the information as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: West Central Texas Collection Bureau
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
West central Texas collection insists on reporting to XXXX that I have an open account with them that is on a chapter XXXX wage earner plan. This is not true. I filed chapter XXXX and the account should show closed with a XXXX  balance. I contacted them and they refused to correct the information on my XXXX   report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Bright Capital Inc
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to close my account today after reading online that I am not the only person who has had trouble with this company and their program. I actually read to come here and figure out the issue. I opened my account in XXXX of XXXX. And recently ive tried closing the account multiple times but there is always an error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: IL
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:
Viewed credit file with Experian in reference to the XXXX XXXX XXXX card account showing charged off in the amount of {$4100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inaccurate accounts are reporting on my credit file : 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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It May Concern : I looked over my credit report and found some addresses that appear incorrect. I've enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : ( Previous/Incorrect Addresses ) 1. XXXX XXXX XXXX XXXX, XXXX, VA XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX 3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX 4. XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX 5. XXXX XXXX XXXX XXXX XXXX, NY XXXX 6. XXXX XXXX XXXX XXXX, VA XXXX 7. XXXX XXXX XXXX XXXX, VA XXXX 8. XXXX XXXX XXXX XXXX XXXX, WA XXXX 9. XXXX XXXX XXXX XXXX XXXX, Va There should only be one address listed on my credit report, which is XXXX XXXX XXXX XXXX XXXX. 

Please remove inaccurate employers as well as listed below : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX Please remove inaccurate phone numbers as well as listed below : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX Please remove inaccurate names : XXXX XXXX Thank You, 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