BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XX/XX/2019 we received notification that our mortgage was transferring from XXXX to Loancare effective XX/XX/2019 with instructions to send XX/XX/XXXX payment to Loancare and use XXXX loan number if information is not received as to new loan number if not contacted by Loancare prior to the due date. Information was not received so initial instructions from XXXX were followed and payment was processed by bank through EFT on XX/XX/2019. Approximately XX/XX/XXXX we received a message to call Loancare. This was done and we were informed that we were delinquent on XX/XX/XXXX payment. We then informed them we had proof of payment and that it was sent using XXXX loan number. The representative then was able to trace payment and said it would be corrected within 3 business days and also provided me with the new Loancare loan number since we still didn't have any correspondence. Since that time we have continued to receive phone calls on this delinquency and despite each time being promised they would " escalate '' the issue to have the payment " recognized '' the payment has not been recognized and calls have continued on a mostly daily basis. Please note that when calls are made there is never a person making them but are just robocalls ( Loancare 's term ) asking for us to return their call. Upon making those calls it normally takes anywhere from 10 minutes and longer to actually get to talk to a person and we are then immediately told the payment is delinquent. They posted our payment made on XX/XX/2019 as XX/XX/XXXX payment and calls stopped for 5 days and then began again as " XX/XX/XXXX payment not received ''. Since it is now 50 days since they received XX/XX/XXXX payment and approximately 30 days since we were promised their error would be fixed that their daily phone calls are basically harassment on their part. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account # XXXX ( XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states 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 2019-07-25
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
1-I closed my account with Discover Credit Card. They confirmed this closure by email ( attached ) on XX/XX/XXXX. 
2-They send me an email stating that I paid off my {$2000.00} ( the whole credit ) -attached- 3- They charged me -after closure- an amount of {$160.00} after closure. -a statement is attached- I want my {$160.00} back and final closure of my account with this company. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion, XXXX and XXXX have failed to investigate and provide investigation results after my most recent dispute regarding unauthorized and fraudulent Inquires that are appearing on my credit file. XXXX day i had XXXX inquiries and the next day i had XXXX inquires that all came from auto loan attempts. I have a car so why are these inquiries popping up on my report? I wrote each agency requesting an investigation on my report due to fraudulent inquiries that i 100 % did not personally apply for and they all have failed to respond. I demand to see the " Consumer Contract bearing my WET SIGNATURE '' to verify and validate these fraudulent inquiries that are negatively impacting my credit file in a major way. As the consumer, it is my right to request an investigation when items are not correct, true or verified to belong to me and these agencies are clearly ignoring my request. I will now hold each agency liable up to {$1000.00} per violation if this is how you allow them to operate. The reporting of inquiries that have not been verified is a violation of my consumer and demand all inquiries be removed that you can not provide documentation of proof for. I want all accounts and inquiries that are not metro2 compliant removed, corrected and updated immediately due to their to respond and investigate in the first place. thank you

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 2018-10-16
Company: EQUIFAX, INC.
State: MA
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 is the second complaint I have file with Equifax on a fraudulent account on my credit report. I had submit a police report of this fraudulent account and still showing on credit report. I am requesting for Equifax to remove this from my report. I also requested for a manager to call me and never did. They are not protect my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a credit card ( Navy Federal Flagship card ) and a personal loan for {$50000.00} on XXXX and I was denied. I utilized the message center requesting that my application be retracted to me since I'm being denied credit. I was told they're unable to do so. No matter the reason for my denial I have the right to credit as a consumer. Withholding my access to my securities is considered security fraud. I then called in XXXX  XXXX requesting an official adverse action on my denial and I was told they're unable to give me one. They sent me a statement of denial in the mail but it doesn't meet the requirements of an adverse action under 15 USC 1681m.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed 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 2023-08-12
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
Account information disputed meets FCRA REQUIREMENTS! THEY ARE reporting account as Open and the account is Closed.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 2022-05-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello Sir/Madam , I'm using paypal for online business buying loads, game credits online, transferring funds using XXXX  or digital services. 
My account XXXX was permanently limited since XX/XX/2022 and has a funds stuck in it, i wish to withdraw my funds and hoping it was restored soon Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX XXXX XXXXXXXX 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-03-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent a letter to them on XXXX XXXX and hasn't heard from them concerning this inaccurate item XX/XX/2021 LVNV FUNDING LLC c/o RESURGENT CAPITAL SERVICES XXXX  XXXX  XXXX XXXX, SC XXXX XXXX : Alleged Original Creditor : XXXX XXXX XXXX  Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$960.00} Dear LVNV FUNDING, LLC : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: EQUIFAX, 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:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 59 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: GA
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  account XXXX 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 explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: HI
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: Problem with personal statement of dispute

Complaint:
XXXX and Experian refuse to delete unproven accounts from my credit report. I have filed disputes with both agencies and within 5 days they label the information as correct, without opening a formal investigation. I have no trouble with XXXX. They actually reach out to the lenders and ask for information in regards to the information that they are reporting. These accounts have been removed from XXXX credit file and not deleted with XXXX or Experian : XXXX  : This account is not mine, can not be proven to be mine and has been reporting well over the statue of limitations. 

XXXX XXXX  : This account is not mine, can not be proven to be mine and has been reporting well over the statue of limitations. 

Please help me to remove this information from my credit report with XXXX and Experian. I have filed multiple disputes with each of them in regard to the accounts and they have not done any investigation.

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 2020-10-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV IS A DEBT BUYER THAT HAS DAMAGED MY CREDIT WORTHINESS THROUGH IMPERMISSIBLE PULLS BASED ON THE ASSUMPTION THAT THEY ARE CREDITORS AND ARE NOT. IN VIOLATION OF THE FCRA AND FDCPA THEY ARE USING FRAUDS AND SWINDLES THROUGH IDENTITY THEFT AND CONSUMER FRAUD TO ENRICH THEMSELVES UNJUSTLY AT MY EXPENSE. I ASKED THEM TO SHOW THE VALIDITY OF THEIR CLAIM AND THEY HAVE REFUSED TO DO SO AND SO ARE PERSISTENT IN THEIR FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: U.S. BANCORP
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I got instructions from roofing company to wire them {$6400.00}. I went to US bank branch and did so. 
After transaction, called the company and they told me it was fraud. Immediately, I came to branch and let them know. They called wiring department and let them know to not approve the transaction. The teller told me that, they were able to cancel it ( everything happened less than 10 minutes after transaction ). 
Afternoon around XXXX, I called wiring department to confirm as well, I was in line for a long time and finally a customer service answered and they told me money has gone. The customer service was rude and he hung up on me. 
Again I had to call again, be in the line for someone to respond, while time is essence. Finally someone helped me to file a swift back request for the receiving bank with no guarantee. 
US bank could stop this fraudulent wire, from the beginning that bank teller let them know within 10 minutes, from the wrong assurance that the transaction is stopped and then bad customer service representative who hung up on me, instead of acting fast. Very disappointed at US bank

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 2022-09-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian, XXXX, & XXXX failed to delete a fictitious debt. Experian has failed to provide me with an original documentation of this debt existing. My car has never been repossessed. I got it refinanced and XXXX XXXX XXXX XXXX updated my credit profile with repossessed. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) the credit bureaus must verify any debt and provide me a copy of the documentation with my original signature. Please be advised under section 611 ( 5 ) ( A ) of the FCRA THE CREDIT BUREAUS ARE REQUIRED TO DELETE ALL INFORMATION THAT CAN NOT BE VERFIED. This is fraud, defamation of character, and deceptive act or practice.

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 2023-12-14
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have submitted my application for the Public Service Loan Forgiveness program as I have completed my required 120 on-time loan payments while being employed by a qualifying PSLF employer. I submitted my initial Employment Certification Form in XX/XX/XXXX XXXX and soon afterward I received correspondence that only 118 of 120 necessary qualifying payments were tallied. Per my account on the Mohela website, all payments made since XX/XX/ are listed as " Eligible '' payments, however they have not been included in the payment count as they are marked as " Employment Not Certified ''. I have made multiple phone calls to Mohela while waiting on hold times averaging 80-90 minutes to speak with a representative. On my initial phone call in XXXX, I was told " Allow up to 90 days to process your request. '' After the 90 days transpired, I made another phone call during which the representative told me " You need to submit another Employment Certification Form ''. Another ECF was submitted on XX/XX/XXXX, with no response, and my payments made in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for a total of XXXX ) would bring my qualifying loan payment total to 125. My frustration lies in the fact that the company refuses to recalculate my qualifying loan payments and process my application for loan forgiveness in a timely manner. In the meantime, I have made XXXX extra monthly payments at over $ XXXX which is an exorbitant amount of money to be spending on loans for which I have qualified to have forgiven per the requirements of the PSLF program. I would greatly appreciate any and all assistance to get this matter settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation