BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
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: Personal information incorrect

Complaint:
Transunion File Number XXXX Employment Data Reported Dated XX/XX/XXXX was right on the information for Employment Data Reported for some reason the report issued on XX/XX/XXXX only shows XXXX employment not the 2 I current work for in which I have attach my current 2 employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX These do not show and I have work for them since XX/XX/XXXX I do n't why Transunion has errors as they do.

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 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a response from XXXX from when I filed a complaint with your company. They did remove all the items I disputed at that time but when I received the new report XXXX is now reporting a new collection that again belongs to a XXXX XXXX and not me. It 's XXXX XXXX collecting for XXXX XXXX. I have never had XXXX as a carrier. I contacted that company and they stated that it would n't report and that it was n't mine. I have been trying to close on a home loan and XXXX has cost me so much money due to trying to get these resolved the rates have increased again. That XXXX XXXX 's social has the same last four as mine and she was born the same year but XXXX is not using all information before placing things 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 2019-04-03
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am currently paying transworld an automated amount of $ XXXX monthly towards a {$670.00} amount for tolls by mail. I tried explaining that Notifications werent received and if I can just pay the bills owed since the majority of the amount is violation late fees. They said I only had the option to go on a monthly payment plan. Now I am currently unemployed and am not receiving any government financial assistance or any aid at the time and can not afford to pay this debt. I would like to know if its possible to dispute the violation fees and just pay the tolls owed at this time. Since I have no source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Boniville collections called me at XXXX XX/XX/XXXX stayed that I now have 3 different debts that Im not sure exactly what they are talking about I requested they send me the info on the debts they stated that they had sent someone to my address with papers to sue me and that Im never home when I exclaimed that was illegal and I wanted a copy of the phone recording they got hostil and told me no then demanded I maps payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Took out a student loan in 2013 for the amount of {$19000.00}. at Wells Fargo and the interest rate was and still is 8.65 %. According to Wells Fargo I still owe {$17000.00}. According to the statement I have paid {$4100.00} in principal and {$12000.00} in interest. If I take the principal amount off the total amount owed my balance on the loan should be {$15000.00} not {$17000.00}.

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 2021-09-09
Company: Novad Management Consulting LLC
State: NM
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21 I sent a check to Novad Management Consulting in the amount of {$170000.00}. I would like to mention that this was after several calls and emails requesting a payoff. I sent the check via XXXX XXXX and have received notification that it was signed for. This was to pay off my deceased mothers home. I have called Novad several times and have held for a minimum of 45 minutes each time. The last time I called them was on XX/XX/21. I was told that I would receive a call back within 5 days. I have been told this every time that I call. I have never received a call back from Novad. I am not able to sell my mothers home without the release of mortgage. I have also checked with the county of XXXX and a release has not been filed. With all of the fraud that is happening I am concerned that the check was cashed by a scammer. I have let Novad know my concerns when I call but they say they can not tell me if the check was processed. They will not give any info. It sounds like it is just a message center. They read you a script in response. The FHA case # is XXXX. My mothers name is XXXX XXXX and the property address is XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my report. The collection agency is MIDWST RCVRY. The original creditor was XXXX XXXX XXXX XXXX XXXX. and this is not my debt. I am XXXX feet tall not XXXX feet XXXX  inches, I have XXXX XXXX, not XXXX. I was XXXX not XXXX. I've never been employed by XXXX XXXX. I have not been XXXX XXXX  sinceXX/XX/XXXX. I never lived at the address in the complaint or on the hospital bill. I was never XXXX XXXX in the state of Florida. This is a case of mistaken identity or identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Tuesday XX/XX/XXXX I learned of an amount I owed to US bank. I called US Bank and made a settlement with them on the condition that they fax me a settlement confirmation letter the same day. I was told by XXXX at US Bank that in order for that to happen I would need to go to XXXX XXXX and make the payment there, I was told by XXXX that after making that payment I would need to call her back with a confirmation number for the XXXX XXXX   transaction. I did everything as instructed and to my surprise XXXX said she could not send me the fax that day, I did not receive the letter I needed after doing my part. The next day Wednesday, XX/XX/XXXX, I called back and was told that the payment would have to post before the letter could be sent even though I had taken the extra steps of going to XXXX XXXX to make the payment. I did not receive the letter that day. On Thursday, XX/XX/XXXX, I called back and was told that payment still had not posted. I did not received the letter that day either. It is now XX/XX/XXXX and although I have been told that the payment has posted I still have not received the letter I so desperately need and was promised. US Banks policies are deceitful in this regard and I would not have taken the extra step of going to XXXX XXXX to make this payment if I had known they would not be faxing the letter I still need. The manager of this department of US Bank, XXXX XXXX, remains unresponsive after sending several voicemails and emails.

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 2022-07-05
Company: AES/PHEAA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've been working for non-profits for over 10 years and have dutifully been working with my student loan servicer on PSLF and the temporary PSLF processing. To their credit, over this past weekend they updated my account and four of my 12 student loans are eligible for forgiveness. I'm humbled and grateful. But I have qualifying and eligible months that they haven't acknowledged that could knock out most of my other student loans. My three employers have certified my uninterrupted employment since XXXX The servicer has the completed forms from my employers, and their website acknowledges the past several months as " eligible, qualifying payments '' yet, they still are listed as " requiring employer certification '' when in fact, as I stated, the servicer has the certifications and has already approved many of the months listed on said certifications. It's frustrating that they counted some months of my employment and not others - when all are equally valid and my employment with qualifying non-profits has been uninterrupted. Can not get my servicer to answer the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: HUNTINGTON NATIONAL BANK, THE
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2018, Huntington National Bank ( via XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15
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: Information belongs to someone else

Complaint:
A new collection item appeared on my credit file. I was able to successfully dispute the item with XXXX and XXXX. XXXX has since removed this collection item from my credit profile ; and it 's currently under investigation with XXXX. The only issue I 'm having is with TransUnion - I 've attempted several times on different days, with differents web browsers to initiate a dispute via their online website with no success.

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 2018-01-15
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: Account information incorrect

Complaint:
Reference XXXX Over the past few months there was an issue ( and reported to you and file was apparently closed ) regarding XXXX. There was information that was not correct and was finally determined it was due to an address change that XXXX did not make letting my account go past 30 days, first time in 30 years! XXXX notified me the issue had been resolved and they apparently notified the credit reporting agencies so they could correct the information that would allow my previous XXXX scores that were in the XXXX 's to be update. XXXX and XXXX both sent updates and both showing the XXXX  score corrected. Experian continues to show the old XXXX score ; I have notified Experian twice and have never gotten a response and they have a responsibility to do what the others did. Do not know what to do, this has been a very costly and intimidating experience over the past months and yet Experian continues to be the last to address the issue and get it corrected.

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 2022-11-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I previously contacted Navy Federal informing them that they are clearly in violation of my consumer rights. I've also put them on notice that Federal law supersedes Company policy. NFCU is reporting inaccurate and incorrect information on my consumer report and is causing a great deal of hardship for my personal and family household. I've attached my letter with the violations and remedy that I seek.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had a second Mortgage with Ditech. I refinanced my first and second mortgage together and Ditech was paid in full on XX/XX/19. Prior to this second mortgage being paid off, Ditech withdrew a XXXX payment from my automated payment. Once the mortgage was paid off on XX/XX/19, I had a total of {$1200.00} that ditech owed me for over payment of the payoff along with the XXXX they withdrew from my bank account. Once Ditech closed the loan and showed it paid in full, they applied this {$1200.00} to escrow which I never had an escrow on this loan since it was a second mortgage. They are trying to tell me they have 20 days to refund escrow but I have tried to explain to them that this is not escrow money and just an over payment after the loan was paid off. I have already received the escrow money from my first mortgage but for some reason Ditech is refusing to refund my over payment money to me. I need assistance in getting this money. I have copies showing where the loan was paid and how much they currently owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am currently dealing w/fraud in association w/my credit report. 

Two account show being owned by Midland Credit Management. 

As states in my identity theft case, I DO NOT HAVE ANY INFORMATION ON WHERE THESE ACCOUNTS CAME FROM. 

I have attempted to validate the alleged debt w/Midland however they are only using stall tactics. 

In reading the case Texas v. Midland Funding, LLC, Et Al., I noticed that it was Midland 's claim that they have consumer agreements from every consumer they are attempting to collect from. As a consumer who is impacted by fraud I would like to be provided with the consumer agreement that is associated to my specific account. I have asked for these files w/no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX, XXXX I submitted a CFPB claim no. XXXX to Experian to initiate an investigation on how several items that were reported and some that they are still reporting as a result of an Identity Theft claim was affecting my credit score and requested them to recalculate my credit score accordingly. 

The company on XXXX XXXX, XXXX responded that they could not continue processing my CFPB claim because the address I submitted in my claim was incorrect and this is false. 

The address on this claim is fully correct and was corroborated by them. I sent them proof of address back in XXXX XXXX, XXXX and they have been sending me all the correspondence to the address added in the claim. 

I have attached the last correspondence received from Experian showing the same address added to the claim above.

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 2019-09-18
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:
This complaint is regarding XXXX XXXX account XXXX appearing on XXXX and Experian credit bureaus.The account should be deleted today upon receipt of the proof attached.There have been multiple disputes without remedy by either bureau.Both bureaus possess an FTC identity theft report that neither bureau reacted by blocking the information.XXXX sent a letter and CFPB response to CFPB XXXX, basically accusing me of either being mistaken or a liar or a thief.XXXX will find TODAY that " the shoe is on the other foot '' and that maybe it is XXXX who are mistaken ... .I have attached the XX/XX/19 letter. 
These are the facts : I experienced a fraud where some unknown entity used my card to buy steroid using muscle building products.I complained to XXXX XXXX.Over time, XXXX XXXX removed every fraudulent charge and all fees assessed by XXXX XXXX and adjusted the balance to XXXX. 
I have never used the card for anything. 
Yet XXXX XXXX employees, reporting credit, have held me accountable for late payments on charges I never made or paid for and products never received.The statements showing all charges and fees adjusted to XXXX by XXXX XXXX are attached. 
XXXX  would doubtfully survive legally and Experian as well with doing nothing less than an immediate deletion of this account as XXXX recently completed. XXXXVERIFIABLE PROOF IS ATTACHED THAT PROVES THAT THE CREDITOR XXXX XXXX AND BOTH BUREAUS, EXPERIAN AND XXXX ARE INCAPABLE OR UNWILLING TO ABIDE BY THE FCRA.

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 2019-07-19
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On Friday, XX/XX/2019, I tried to transfer my American Express Membership Reward Points to one of the transfer partners. I immediately got a message stating : " This action will not be completed at this time, because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I've reached out to American Express numerous times and was told that the review could take 6-8 weeks. Well, it's been over 12 weeks, and several phone calls later, and as of today, XX/XX/2019, my MR points are still frozen. 

Can someone please tell me whats happing with my points, and when I'll be able to use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: AES/PHEAA
State: NH
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:
I have tried to dispute two items with XXXX, and the credit reporting agency steadfastly refuses to update their records to reflect what is in my XXXX report. If they dont comply and soon, then I feel at this point the only option left for me is to pursue a remedy in either small claims court or through the federal court system. 

The two items in dispute are an account from a company named XXXX  back in 2012 which is no longer in business as I understand it and a student loan from XXXX ( a private company ). The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX  XXXX. XXXX continuously reported the loans late on my credit even though they never were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving at least 3-6 robo calls per day from numbers purporting to be in XXXX XXXX or XXXX Maryland telling me I owe a debt. They instruct me to phone a toll free number which resolves to Midwest Recovery Systems. I dialed XXXX. I asked the person who took the call to inform me as to who the creditor is. The person was XXXX and tried to intimidate me. He asked for my name which I was hesitant to give because he could look it up by the phone number. He said he had to ask because of the Privacy Act, which I know to be untrue. I did give my name. He then asked for my date of birth, which I declined to give him because it is XXXX. He then said he couldn't help me and hung up. 

I want the harrassing phone calls to stop. If there is a legitimate reason to call me this often, Midwest Recovery Systems must identify the creditor. They have never written to me. The XXXX XXXX XXXX recently suspended their accreditation for this very reason. Please make it stop. 

I do not want to provide any part of my SSN to this company because I do not trust them. My phone number is included in this complaint. They seem to be able to find that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. System Collections is attempting to collect a debt for XXXX. This is the 3rd time a collection agency has tried to collect a debt for XXXX for a account that XXXX keep claiming I have in the state of Florida. I recently filed a police report that was sent to XXXX yet the company is still sending collection agencies a a debt that don't 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