BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: SUN LOAN COMPANY INC.
State: AL
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:
Complaint number XXXX. 

Thank you for providing the original contract, but the original contract does not answer nor fix the issue I complain. 

I want to make this as simple as possible to understand. 

Sun Loan Company claims On XX/XX/2019, XXXX XXXX refinanced his loan for {$480.00}. No payments were received. 

Additionally, Sun Loan Company states As to XXXX XXXX statement that XXXX XXXX reported OK on his XX/XX/2019 credit report, he would need to contact them at ( XXXX ) XXXX for clarification on what information they reported. ( Attached ) XXXX XXXX XXXX is borderline pointless. I am contacting you, the furnisher. 

In hopes you will do the right thing as I have tagged the CFPB in this stressful matter. 

Below I have attached a copy of how Sun Loan Company is reporting onto my XXXX XXXX report. The attached consumer report was mailed to my address via : The credit bureau. ( XXXX XXXX ) I have underlined the rating for XX/XX/2019. 

I want to restate that XX/XX/2019 shows a rating of OK The rating key provided by XXXX details that OK means Current, paying or paid as agreed. 

If it was true that NO payments were received, and I refinanced XX/XX/2019, then XX/XX/2019 would reflect 30 days late and not OK. Why does it show a payment made if no payments were ever made? 

I have detailed to you how this account is not accurate. 

Now, I want to remind you ( The Furnisher, SUN LOAN COMPANY ) of : Prohibition on Reporting Inaccurate Information. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.

In addition, Furnishers Duty to Investigate. If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.

Finally, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-03
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:
This is my NUMEROUS 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 ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$69.00}, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, 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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2022 I submitted request for XXXX to remove this incorrect reporting from my credit. XXXX sent me back a notification they send everyone which was they verified information and the outcome of the results included the status remains the same. 

Account : XXXX XXXX XXXX XXXX credit card # XXXX opened on XX/XX/2022 with an amount of {$5600.00} This negative reporting is hindering me from accomplishing goals I have set forth also causing a great deal of damage to my credit profile. 

On XX/XX/2022 I sent a follow up notice to all credit bureaus and as of today this negative and fraudulent item remains on my 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 2018-10-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender at the present time is SPS and my loan was serviced transferred to them in XX/XX/XXXX and before that was XXXX. Either lender has REFUSED TO OFFER ME ANY MORTGAGE ASSISTANCE AT ALL. My interest rate is 8.5 % that is so high for these days and asking for help over and over again but to give me a outrageous repayment plan I can not afford. Below is what they gave to me and this will not even take me out of foreclosure. I want something more affordable and at the going rate today of 4.25 % to 4.75 % and this home would be affordable for me to keep. 


SALE DATE XX/XX/XXXX APPROVED FOR REPAYMENT ONLY OFFER AND LAST OFFER NEW PAYMENT WILL START XX/XX/XXXX FOR 12 MONTH RE PAYMENT PLAN NEW PAYMENT WILL BE {$7200.00} THERE IS NO GRACE PERIOD AT ALL HE IS P/D 110 MONTHS TOTALING OVER XXXX THIS WILL NOT BRING HIM CURRENT AFTER THE 12 MONTHS HE WILL HAVE TO RE APPLY AGAIN SALE DATE HAS BEEN SET FOR XX/XX/XXXX NOW IF THIS OFFER IS NOT TAKEN THEY WILL NOT OFFER ANY OTHER OPTIONS FOR HER AT ALL Even with my first lender was XXXX they did not offer me nothing. I have been trying and struggling to keep my home and get back on track with my lender SPS but they have made it so difficult for me to even get on track with such a large payment and nothing is a guarantee either they wont take my home after i would agree to anything. 
So it all comes down to one thing, not XXXX TO SPS have given me one modification at all since i have obtained the loan in XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Navient Solutions, LLC.
State: CA
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 was given misinformation about my repayment options and directed into forbearance even when there were other options available to me and going into forbearance would have hurt me on my path toward public service loan forgiveness. Also, the loan servicer I spoke with was not up to date on her knowledge about new programs ( temporary public service loan forgiveness ) and told me I was incorrect and wouldnt transfer me to a different servicer when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgages with United Wholesale Mortgage. They applied two payment to one house in error. The incorrect account number was on the check but the voucher had the right account and the pay stub for the right account was included in the envelope. 

I send my payment for XX/XX/XXXX on XX/XX/2020 for both my XXXX, XXXX  and my XXXX  house in two separate envelopes, each with its own stub. 

XXXX - I received my statement with a late fee. ( I am always early ) so I called and found out they credited a {$2000.00} ( {$1400.00} payment and add'l {$580.00} to principal ) payment for my house in XXXX, XXXX  to my house in XXXX. They agreed it was an error and credited me the late fee and said they reapplied they payment plus additional principal to the XXXX, XXXX house. 

XXXX - I received my invoice .. again a late fee. I called again ... another 3 hour call. They did apply the {$2000.00} to XXXX but they applied ALL {$2000.00} to principal only. therefore making my payment past due again. They credited me again and said they fixed the error. 

I then set up Auto pay to avoid any future error due to come out of my account on XX/XX/2020. 

XXXX - I viewed my bank account on XX/XX/XXXX and XXXX - they had not taken out my money. I called and they said they could not take it out because my account in XXXX was still showing past due. I was told I needed to send in copies of the cashed checks via email to XXXX which I did. Then XXXX XXXX number XXXX  said I needed to send in another payment because I was showing late ( even though it was UWM 's fault ) in order for them to auto deduct my payment for XXXX. 
I did - I asked for a call from management that never came. I was told within 24 hours. I called Saturday and was given the name of XXXX XXXX ( XXXX  ) would call me by XXXX. NO call. I called there at XXXX XXXX  the call dropped and when I called back they were closed. 
In addition - I received another invoice with another late fee. 

I am hoping to get help on Monday XXXX XXXX. To date I have exceeded 15 hours on the phone trying to get them to correct the error to no avail. Can you help me get through to them? 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2020, I disputed 2 accounts with each credit bureau on my credit report that both accounts addresses were wrong on my report. The letters were returned back to me they were not deliverable. I sent each credit bureau a copy of the return letters with a copy of the Postal Service tracking system that states the address is no longer valid. This is an error on my credit report, therefore according to FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information on my credit report both accounts should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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:
I DON'T RECOGNIZE THIS ACCOUNT, I HAVE NEVER APPLIED FOR THIS COMPANY. I DON'T HAVE ANY CONTRACTS OR AGREEMENTS WITH MY SIGNATURE.

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 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$6.00} and High Balance {$6200.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$6.00}  XX/XX/XXXX ; past due {$6000.00} XX/XX/XXXX ; past due {$6000.00} XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Offs - C/O in XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXX year ; XX/XX/XXXX year. Late payments reported - 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment his

tory or consecutively as C/O reported on my credit report. 4. Delete this account, because it shows credit limit {$6000.00} on a charge off close account.
Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color.

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )
Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2020-10-18
Company: Navient Solutions, LLC.
State: TX
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:
On XX/XX/XXXX, I contacted Navient to inquire about why I am continuing to be charged interest on my student loans. The representative indicated that my loans with Navient did not qualify under the CARES Act because they were acting as a " collection agency '' on my loans. The loans were previously defaulted on and  were held by XXXX. In XXXX, the loans were then sold to Navient and I began receiving correspondence from Navient regarding the loans. When the loans were transferred from XXXX to Navient, there were excessive fees added to each loan that Navient is now collecting on and charging interest on these fees by deceptively adding them into the total balance. I now have loan balances that are upwards of 95 % more than the original loan amounts. I asked the Navient representative for an audit of my account and was advised that I could not receive one. Original first dates of delinquency prior to XXXX have not been acknowledged. Also, XXXX is acting as guarantor of my student loans for the Department of Education. Navient is only either " collecting '' or servicing, however Navient has not made it clear exactly which capacity it is acting under.

Subsequently, each month, my balance is doubled and interest is charged and reported to Transition, hurting my credit score although the loans are supposed to show deferred as I am currently in school. The fluctuations in the total amounts owed is causing undue hardship to me because these balance fluctuation are affecting my overall debt to income ratios, diminishing my credit scores and giving an inaccurate picture of my credit worthiness to potential creditors that I may wish to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Was not notified of investigation status or results

Complaint:
I do not agree with the payment history on account XXXX - XXXX XXXX XXXX. 

15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute

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 2017-12-12
Company: KEYCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card in the mail from Key Bank that I never requested in any way. They were totally unable to explain why this would have occurred to my satisfaction. I think they 're opening " fake accounts '' in the same style as XXXX XXXX. I would like this investigated and to hold whoever is responsible for it accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My information has been transferred to another company without my consent.

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 2020-12-03
Company: Rent Recovery Solutions
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rental recovery solutions states that I owe them about XXXX dollars. They also state that I have given money to them. All of the above is false. What happened was I left an apartment company before the lease was over. Took the company the XXXX apartment homes to small claims court and won. XXXX XXXX XXXX of XXXX XXXX district court ruled that I am not liable for any rental obligation. The XXXX apartment homes in XXXX Washington, managed by XXXX and the company rental recovery solutions both received a copy of the judges ruling. Both companies are in direct violation of court orders. The XXXX apartment homes have been notified for over a year. This ruling happened on XX/XX/XXXX. 

Rent Recovery Solutions LLC XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX corporate office XXXX, Washington XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX, and our telephone number is ( XXXX ) XXXX. 

I have disputed this with XXXX four times and they refuse to do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX stated I opened an account with XXXX/XXXX XXXX XXXX on XX/XX/2015. i never opened an account with XXXX XXXX XXXX  or XXXX on XX/XX/2015. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity thief and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove this account and investigate this account and they refused to do so. I'm not sure why Equifax is allowing a fraudulent company report fraudulent account to consumer credit file. The account number is XXXX per XXXX  please send me copies of where I signed credit card receipts since XXXX and XXXX XXXX is saying I owe {$610.00}. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it.

Company response to consumer: Closed with explanation