BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I called Transunion regarding fraud after an inquiry showed up on my credit report from XXXX XXXX, so I placed a freeze on my credit report until I could figure out this inquiry. When I spoke with Transunion 's agent, she told them it would take at least 30-60 days to remove this inquiry from my credit report. In the meantime. I contacted XXXX XXXX  and disputed the application and inquiry. I did file a complaint CFPB Case XXXX, your agency, to which XXXX XXXX  responded, and in the response on XX/XX/XXXX. In their response, XXXX mentioned they had sent back in XXXX of XXXX a request to remove the fraudulent inquiry from my Transunion credit file. Also in the response from XXXX XXXX, they stated they had sent another request to have this fraudulent inquiry from my credit report. 

As of this complaint, on XX/XX/XXXX, Transunion has failed to respond to either of my and that of XXXX Back requests dating back to XXXX of XXXX to have this inquiry removed from my credit report. With Transunion 's failure to remove this inquiry, which by consumer protection, has 30 days to remove and investigate this false information. As of this complaint, which is five months after my initial contact on XX/XX/XXXX, with Transunion, the inquiry is still reflecting on my credit report with them. 

" Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. ... If the review isn't complete because, as commonly happens, a data furnisher doesn't get back to the credit bureau in time, the agency is obligated to remove the disputed record '' Why hasn't this inquiry been removed? Their failure to do so has caused me higher interest rates and a lower credit score. What recourse does a consumer have with a credit bureau that failed a consumer?

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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2020-05-02
Company: ONEMAIN FINANCE CORPORATION
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My pension was reduced by 30 %, basically XXXX a month, my cost of living has risen twice that amount, putting me under water. One Main refuses to work with me to adjust my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/19 I am unable to get a customer service agent on the phone. When I call, there are adds for : 1. XXXX XXXX, 2. services for people over the age 60 3. a XXXX credit of {$100.00} when I decline all- I am put on hold and a customer service agent never picks up. This is not fair and unethical and immoral. I am a slave in the machine that manages to keep me on hold long enough to run out of time, air and the will to participate in the great democratic process that founded this Country. 

I have been paying this debt for over 10 years, I do not qualify for debt relief because I was lead to believe that consolidating my loan would benefit me. It was a lie. 

I don't need a special counsel investigation to tell me there is collusion between Washington and big banks. You guys rot. I am going to spend my retirement advocating for people to not pay back their student loans, that's the only way to the negotiating table. 

Also, I would never encourage anyone to follow me into public education. Your agencies have figured out that we are sitting ducks. The largest union in the Country and through one loop hole or another you have counter fitted the people serving this great nation. I don't need an orange headed XXXX who makes his living cheating the system to represent me, he represents offices like yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Navient Solutions, LLC.
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:
I am a victim of Identity Theft. I am requesting that companies remove and block these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/ SS XXXX I have some errors on my file that I need to have addressed. I have an incorrect name on my credit my name is not XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX 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 XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these unknown numbers : ( 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 explanation
Consumer complaint received 2021-09-15
Company: Kimball, Tirey & St. John LLP
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 previously mailed the attached letter below onXX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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:
Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our account status and not our responsibility from XXXX XXXX during COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CCS Financial Services, 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:
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX XXXX XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: TRANSWORLD SYSTEMS INC
State: MO
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:
This is a follow-up to a previous complaint about this company. 

They have continued to call our business line looking for someone else. They have the wrong number. 

We filed a complaint with the CFPB in late XX/XX/2018. Transworld Systems ( TSI ) replied saying they removed our number from their systems on XX/XX/2018 and have no intent to communicate with us further. 

However, they clearly have not kept to their word. They continue to call us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: EQUIFAX, 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 informed equifax multiple times I am a victim of identity theft and have had an extended fraud alert for years. They didnt respond after 60+ days so I came here and all they said was they could not verify my identity and send them my social and Id which I refuse to do anywhere but here and did such with my last complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a credit card account with Neiman Marcus ; account number XXXX. I have paid for all items I purchased and did not immediately return as the description of the size on line was not accurate, and the item ( clothing ) once delivererd was too small for me to wear. I owe no monies to Neiman Marcus as all purchased kept have been paid for, and all other items purchased were timely returned for credit. I have all the credit return mailing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: UT
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:
Equifax was contacted 3 separate times and I have recorded the interactions by mail. They have failed to remove the items on my credit report as required by federal law for individuals that are victims of identity theft. Subsequently, Equifax is the only credit reporting agency that refuses to correct information as I demanded they do on 3 separate occasions. Equifax has knowingly and blatantly disregarded my dispute and subsequent attempt to correct information on my credit report as reported wrongfully due to my being a victim of identity theft. I will be uploading information and correspondence they failed to properly investigate and items they have failed to remove, indicating their blatant disregard for federal law. I am demanding that they take action and remove the negative derogatory information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The property sold in early XXXX so we no longer had possession of property we went to get a loan 4 months ago and they ran my credit and said we have a 90day late payment from wellsfargo in XXXX I called and they said they would take care of it we talked to a lender yesterday XX/XX/XXXX and he said he pulled credit and it now shows two 90 day late payments one from XXXX and one on XX/XX/XXXX so it is crashing my credit i called and they say they will fix it but there now is two instead of one and its stopping me from buying a house. It is reflecting on my credit bad.

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 2018-04-28
Company: EQUIFAX, 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:
There are nine inquiries on my Equifax report that are not mine..my personal information has been compromise.. below are the inquiries that do not belong to me..XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: WELLS FARGO & COMPANY
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: Public record information inaccurate

Complaint:
I have a home equity line of credit with Wells Fargo Bank. This account was included in my bankruptcy filing, however they continue to report this line on my credit report. 

I have made several phone calls and credit bureau disputes. This line continues to 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 non-monetary relief
Consumer complaint received 2021-03-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I included documents along with my complaints Need cfpb to pay attention to it SLS is only a servicer who just take payments They are not a bank or deal with any mortgage assistance That why they lai They are rude They dont have any clue about the mortgage assistance like modification forebrance they do give any direction to how to apply where to send a request And when tell them I have a sale date on the corner and thins needs to happen ASAP SLS gives me silent treatment I have 2 eye witness and phone record of how the phone rep behaved The owner assigned of my loan is XXXX And XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX .MN XXXX Is the owner This loan was a fraud and gotten for me by fraud I was cheated with this garbage XXXX person who I included with this complaint with 2 other broker put me in this mess I cant get out of They stocked me with this garbage so called loan No ones tells me where is {$120.00} dolor crock SLS got between Keep your home California and XXXX county Supreme Court and I am still delinquent They dont send me statements They say so called delinquent is most their fraudulent fees attorney fee late fee I request a assistances on Monday XX/XX/21 I sent it by email and faxed And told them time is limited No one contacted me or confirmed of receipt of my request And they wont because this is how SLS operate My request is still in the email and no one will bother with it then when they get cut then they send a letter Either We are still working on you requests Or after careful reviewing ur case ur not qualify XXXX They never check anything or know anything about my case this is just in attempts to foreclose on my home Their intention is not to assist Just take my home

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 2020-12-15
Company: AMERIS BANCORP
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 is missing that should be on the report

Complaint:
My auto loan originated with XXXX XXXX, Ameris Bank took over XXXX XXXX  along with my auto loan. My auto loan was reported as closed to all three major credit bureaus when Ameris took over XXXX XXXX, when I called Ameris Bank about not reporting my loan to credit bureaus they indicated that it takes time for loan to be updated and reported to all three major credit bureaus. It has been over 9 months since my auto loan was reported as closed to all three major credit bureaus, since then my auto loan has only been updated as opened with XXXX. I have called Ameris Bank customer care over 9 months and every month I call I get a different answer. Most times I am told that my auto loan will appear next month with XXXX  and XXXX, but that has not happen. I would like for my active auto loan with Ameris Bank to be reported as current along with my payment history to all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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: Account information incorrect

Complaint:
The account XXXX  for {$900.00} was disputed and deleted from my XXXX  account on XX/XX/2020. This account should be removed from my other reports as well as it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, 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 going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Please see attached copy of my letters sent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-05-04
Company: Experian Information Solutions Inc.
State: MI
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$690.00} XXXX XXXX {$11000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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