BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent documents to transunion to investigate the alleged student loan debt from XXXX on my credit report. I told transunion to provide me with an original contract with my signature from XXXX that shows proof that I'm responsible to pay an alleged student loan debt. Transunion responded with a letter stating that my address is out dated. I demand XXXX be deleted from my credit report immediately.

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 2017-08-11
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received a letter from Fed Loan Servicing stating that they approved my employment certification for the PSLF program, however, the dates are only for 1 year. I have worked at the same XXXX XXXX XXXX organization for 4 years. I have received notification from Fed Loan and the prior servicer in prior years that my employment was certified and accepted since XXXX XXXX, 2013, which is my employment start date. I am attaching the letter. I also received another letter that incorrectly states that my qualifying payments towards PSLF are only for 1 year, despite my 4 years worth of payments. Additionally, when I log into my account, there is nothing on Fed Loan 's website that states I have certified under PSLF and anything record of my qualifying payments. My concern is that I have no proof that I have been certified under the PSLF program for the 4 years I have been working. It is extremely concerning that Fed Loan is failing to provide proof of borrower 's qualifying payments and employment certification because borrowers will need proof of this at the end of their 10 years of working in the public sector and making qualifying payments. I called Fed Loan and expressed my concern. The representative affirmed that her records show my employment certification approval since XXXX XXXX, 2013 in her system. She informed me that Fed Loan issues these letters for the 1 year period for when you send in your employment certification form and that it does not reflect the entire length of time a borrower has been certified for. I explained my concern that I have nothing in writing that states I have 4 years of certification. She agreed to send me a letter stating this. I believe that a borrower should be able to view their employment certification and number of qualifying payments under PSLF when they log into their account online. The lack of disclosure and account information is very concerning for our future loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries listed on my credit reports I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I tried to get a credit limit increase on one of my credit cards today XX/XX/20 but I was told that I was nor approved at this time because of an account reflecting negatively on my credit report. I didn't know what account they were referring to so I took a look at my credit report myself and I saw an account from a company called XXXX XXXX XXXX for an amount of {$12000.00}. This account does not belong to me nor did I allow anyone to open this account on my behalf. I am not affiliated to that company in any way and I have never signed any written/verbal contract with them. I have no idea who is responsible for this account but I have already filed a police report. I did not gain anything from this account such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: TN
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/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Proof of my identity for verification purposes. ( front of ID, and copy of information on vehicle. ) A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2018-02-10
Company: Ocwen Financial Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ocwen Loan Servicing, LLC is misreporting information on my credit reports. In my first complaint, they claimed that they verified only one mortgage account was reporting to the credit bureaus. However, I have copies of my credit report that substantiates they are, in fact, reporting two different accounts with two different open dates, and two different pay status '. Both accounts are reporting under " Negative Information '' and have severely and negatively impacted my credit reports. 

In addition, according to the XXXX XXXX Reporting Guidelines, Mortgage Status Codes should be reported as Code 94 not Codes 71, 78, 80, 82, 83 or 84. 

Ocwen 's ongoing misreporting is a violation of the FCRA guidelines.

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 2018-07-16
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Spoke with the servicer, Ocwen The last reported date was XXXX, Its the middle of XXXX. Called to see why and they told me that they only report on a quarterly basis. That seems to be outside of the guidelines which is 60 days this si the second time I had to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been constantly trying to get one closed item updated on all 3 credit reports. Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collections agency named Resurgent which works for Lvnv, or XXXX XXXX, or XXXX ( they play football with consumer debt ) fails to settle with me when I make a reasonable offer, and i have called and Emailed them numerous times. They act like bullies. I need this off of my records since i am unable to rent an apartment and might become homeless accordingly. Why is it so hard to get rid of this. Please help. I can make a XXXX dollar payment. 

Out of all my CC debts this specific collections agency makes sure the debt is highlighted and shows at the top of credit report as a derogatory mark. They dont pause or remove it even when you dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2019-11-25
Company: ID Analytics, Inc.
State: MO
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:
Sagestream and XXXX  has incorrect Credit Score for me My correct Credit Score should be XXXX. I feel I am being Discriminated against because I am XXXX American. I want a full investigation into both credit Reporting agencies. Because of this misinformation I am being Denied Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: NV
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:
Equifax has a balance showing on my credit file of {$170.00} and there is no balance on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CAINE & WEINER is a debt collector pursuant to 15 USC1692a ( 6 ) ,15 USC1681n, and 73 p.s. 2270.1 et seq. XXXX XXXX is a consumer as that term is defined in 15 USC1692a ( 3 ), 15 USC1681, and 73 p.s. 2270.1 et seq. CAINE & WEINER is not a creditor, and I have not applied for, neither received any services or credit with their particular agency. Additionally I have noticed that they obtained my consumer credit report. I never gave them permission to obtain my personal credit file and unless they can verify this account is valid by producing the original agreement with my signature, this account is also erroneous. Therefore their intrusion in my personal credit file while trying to collect on erroneous account constitutes a willful and negligent violation of 15 USC1681q which would also be a criminal offense ( felony ) punishable under Title 18USC, the penalty being a fine and or two years imprisonment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio recovery continues to call everyday, although I already told them not to call and that I have received there information in writing. There telemarketers are argumentative and rude. I feel like Im being harassed. They call back from different numbers and dont stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX lease see attached printout from my US Bank online statement. I authorized XXXX to debit my account {$100.00} which left me just over {$2.00}. POSITIVE. They still charged me {$36.00}. I do not sunderstand how they could charge me if I was positive. I called and asked them to stop the XXXX   payment they said I had to call XXXX. THis did bring me negative and they charged me another {$36.00}. 

THesame thing happened two weeks ago and I had two employees tell me that was a bank error and it happens all the time. They reversed that one. 

I am a single Mom on XXXX. I can not afford this {$72.00} in fees. I am opted out because I do not want to go negative and pay fees.

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 monetary relief
Consumer complaint received 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion-XXXX  & XXXX  are ALL still listing a bill from orig. fro XXXX never heard of them I have ask numerous times for proof of ownership as I know there is NOE it is NOT mine I have been disputing this for years there is also a co borrower i have NEVER even heard of THIS COMPANY NEEDS INVESTIGATED AS XXXX THEM THEY HAVE DONE THIS TO THOUSANDS OF PEOPLE THEY NEED SUED I WANT THIS REMOVED FROM MY CREDIT REPORTS & ALL NEGATIVE REMARKS GONE AS IF THEY CANT SHOW OWNERSHIP I OWN THIS AFTER YEARS THERE NOT GOING TO -- -THEY HAVE HAVE SEVERAL COMPANIES LISTED NUMEROUS TIMES AS HARD INQUIRIES THEY NEED REMOVED THE DOUBLE ONES & ON MY STUDENT LOANS I AM ON SOCIAL SECURITY XXXX AND XXXX  I HAVE FILED THOSE SHOULD BE REMOVED AS LATE OR OWED THIS IS CRAZY THAT I HAVE FILED WITH THE FTC IDENITY THEFT & STILL THESE BUREAUS AFTER DISPUTING FOR YEARS NOW LET THIS STAY ON THERE CLEAN IT UP SO I CAN GET A HOME LOAN

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 2020-05-22
Company: Experian Information Solutions Inc.
State: AR
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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from 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 2020-05-29
Company: BMW Financial Services NA, LLC
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 AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL MY NOTARIZED DOCUMENTS TO BMW FINANCIAL SERVICES AND TO XXXX. I AM CONSUMER WHO IS A VICTIM OF AN IDENTITY THEFT, I HAVE NEVER REQUESTED OR WANTED TO BUY A CAR FROM BMW FINANCIAL SERVICES. I HAVE NEVER DRIVEN A BMW, THIS ACCOUNT IS NOT MINE, IT WAS NEVER MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did use XXXX to see my credit report from Experian. As of XX/XX/2020, there are 3 inquiries that are not from my action as followed, XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX I suspect of identity theft from these inquiries and need to fix these discrepancies.

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 2020-07-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I disputed charges and Bank of America credited me the money only to turn around and close my whole account. Doing that also messed up my Unemployment claim and now i have 4 checks in the air. BOA did not even give me a chance to plead my case and show it wasnt me who made charges. Now they wil not talk.

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