BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-21
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts/information below : XXXX XXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}

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 2020-02-29
Company: ID Analytics, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a car loan on XX/XX/XXXX of 2020. 
I was sent a denial letter, based on information from a credit reporting company called SageStream LLC. I have never heard of this company, and I did not give them permission to report on my credit, or to have an information file under my name in any way, shape or form. This company is a hidden credit bureau that secretly collects information for companies to use, in order to charge much higher interest rates to consumers. 
Being that I was a victim of identity theft, the accounts listed in the report from SageStream, should not be on my credit account in any way. Since the company has chosen not to make itself known to consumers, it is impossible for a consumer to maintain the accuracy of such a credit report. 
Once again, I have never had knowledge of a credit reporting business named SAGESTREAM, and I DO NOT give them permission to report to companies with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX XXXX I applied for an Amex card that offered XXXX XXXX XXXX XXXX XXXX I was approved and I satisfied all spending requirements to be granted the bonus, but the miles have never been credited to my account. 
I called Amex several times and I was always told that an investigation was ongoing. XXXX month later nothing has been resolved. 


Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans were forgiven under the Public Service Loan Forgiveness Program while they were still with Federal Loan Servicing. However, while my loans were discharged, I never received a forgiveness letter, or a forgiveness date. My account was then transferred to Mohela, which is now handling the Public Service Loan Forgiveness Program. 

Whenever I call Mohela, however, I am given the run-around that told that they do not have my account because I was already given forgiveness. It is true that I have had my loans forgiven. HOWEVER, I did not receive an accounting of overpayments I made on my loan. I should have about 180 loan payments, while only 120 are required for forgiveness. Therefore, I have about 60 overpayments that should be returned to me. 

I finally talked to someone at Mohela who understood the problem, and she created a case for me to research whether I made any overpayments and whether any money was due back to me. The case number is XXXX XXXX, and I have a reference number of XXXX XXXX. Whenever I try to call Mohela for an update, I get a run-around and then I get cut off. I have been unable to get anyone to give me an update of my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Carrington mortgage services outdated software has caused me to incur fees and unwanted stress from issues surrounding electronic payments from online banks. They are now refusing to accept a payment from me that isn't certified funds based on their errors even though the account is not yet in default. They are going to cause the account to be in default purposefully by not accepting payments via ACH or by bank issued check, both of which have been attempted and funds are available immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
For the past 20 yrs I've been paying on this lemon called a mobile home. 20 yrs. Now i done paid the mortgage and then some they still sending letters not statements saying i owe monthly note of such and such. Then the next month they would say i don't owe anything. Then the next month they'll say i owe this. They'll send people in my yard or stand in front my home or go on the next lane and take pictures of my home to intimidate me. I've been stressed and depressed enough with this trailer company. Not only is they doing dirt they doing the most dirty work when we first got the mobile home XXXX XXXX came to my apartment to sign papers cause my dad was too sick to leave the home my dad was on his death bed i literally had to hold his hand to sign the paper, the trailer is in my dad name who died 3 months prior to moving in here not only that. The trailer people switched the trailer behind our backs saying my dad and i had too much money combined to get the mobile home i picked out. I had picked out an older cheaper model but they changed it without our consent. As they was setting the trailer on the property i was told they need XXXX to finish setting up. Money had to come out my pocket. Over the years I've been assaulted, insulted and intimidate by these trailer people. Whom refuse to give me the title for this mobile home. 
They also changed their company name over and over from XXXX XXXX to greentree to ditech now shellpoint in order for me to keep sending money saying this company did not receive payment or that company did not receive payments can you please help me. I'm tired, I'm tired of being ripped of. I am XXXX  so if you have to contact me please contact me at this email XXXX these people also changed the account number numerous times

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
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 The credit bureaus have failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed along with Inquiries was authorized by me. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified Also under Section 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996.

They have refused to supply me with documents and overlook this statue.

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 2021-10-30
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to file this complaint on yesterday and show that before it can even be investigated that it has already been closed by the CFPB. This service come is bad. When I go on line and report to the XXXX there are hundreds of complaints of the poor service they do for the consumer. My complaint is still that they add fees and charges and hold payments for months and then report that you are late to the credit bureaus. This information is not true and I have sent them the factual information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XXXX XX/XX/XXXX I noticed that an account listed on my consumer credit report by Equifax was too old to be listed on my report. The information for the closed account says it was closed in XXXX.The account was closed in XXXX. The account is still listed on my report, even though it is too old to be listed on my report. I want the account removed from my report. I contacted Equifax through their automated dispute resolution service on XXXX XX/XX/XXXX. They have acknowledged receipt of my dispute, and updated the account to disclose that the information is disputed, but that was 3 months ago, and they haven't done anything since. The account needs to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found this on my credit report and tried to dispute it there. XXXX XXXX emailed me on XX/XX/XXXX stating that I had 30 Days to remit the final payment. I set up a bill pay for the final payment and it to be paid XX/XX/XXXX. I paid the balance in full. This account was sent to IQ Data for collection even though it was paid in full. I called IQ Data to resolve and the rep XXXX was completely unprofessional and conducted herself with attitude. This call occurred on XX/XX/XXXX. They have been impacting me credit since XX/XX/XXXX and this debt was paid via my bill pay.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a collection placed on my credit reports from XXXX XXXX XXXX. I disputed the account and filed complaint. In turn XXXX XXXX XXXX sent me a billing statement from XXXX XXXX XXXX. The billing statement has my name and a wrong address, and an account balance, that's it. Before disputing the account I was informed the account was opened online. According to the FDCRA inaccurate information on a consumers credit report has to be properly validated and verified. A billing statement is NOT verification. The correspondence also states that I must prove that I did not open the account. XXXX XXXX XXXX and XXXX XXXX can not prove I did. It is not my job to prove to a collection agency anything. It is their job to prove I did and then follow the law, and to stop using illegal tactics to collect debts that they can't verify or validate. Also I was sent a fraud packet that I have no problem completing without sending my personal information. I will send the information to XXXX XXXX XXXX who is NOT reporting on my credit reports. XXXX XXXX XXXX is a collection agency that I have never did any business with for goods or services. I did not open this account and I do not know who did. What I do know is the account has not been properly verified according to the FDCRA. Also after my complaint and disputes the account is now reporting twice ( duplicate ) on my XXXX 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 2022-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a 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 2023-01-09
Company: National Credit Systems,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: Account information incorrect

Complaint:
Account was brought to attention XX/XX/XXXX called XXXX XXXX XXXX got told they can bring down the total amount from XXXX down to XXXX which would make the account paid in full which I agreed upon XX/XX/XXXX called back spoke with XXXX the whole time paid the balance which we agreed on the XXXX a few days past by I go check my account still shows I owe XXXX $ which was not part of the agreement the account should be paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a collection placed on my credit reports from XXXX XXXX XXXX. I disputed the account and filed complaint. In turn XXXX XXXX XXXX sent me a billing statement from XXXX XXXX XXXX. The billing statement has my name and a wrong address, and an account balance, that's it. Before disputing the account I was informed the account was opened online. According to the FDCRA inaccurate information on a consumers credit report has to be properly validated and verified. A billing statement is NOT verification. The correspondence also states that I must prove that I did not open the account. XXXX XXXX XXXX and XXXX XXXX can not prove I did. It is not my job to prove to a collection agency anything. It is their job to prove I did and then follow the law, and to stop using illegal tactics to collect debts that they can't verify or validate. Also I was sent a fraud packet that I have no problem completing without sending my personal information. I will send the information to XXXX XXXX XXXX who is NOT reporting on my credit reports. XXXX XXXX XXXX is a collection agency that I have never did any business with for goods or services. I did not open this account and I do not know who did. What I do know is the account has not been properly verified according to the FDCRA. Also after my complaint and disputes the account is now reporting twice ( duplicate ) on my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

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 2022-10-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Wakefield and Associates on XX/XX/XXXX about an alleged {$1200.00} debt to a hospital. I asked that they return proof that I actually owe what they claim. They have failed to produce proof in over 2 months and they are impacting my credit with claims of late payment.

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