BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
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:
THIS ACCOUNT IS NOT REPORTING CORRECTLY AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I'VE TRIED TO CONTACT TRANSUNION SEVERAL TIMES AND WAS TOLD BY THE REPRESENTIVE THAT THEY ARE WORKING FROM HOME.

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 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Trans Union File Number XXXX Date Issued XX/XX/XXXX contains information from a third Supplemental Information obtained by XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX XXXX which should not have been placed in my Trans Union 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 2017-08-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I want out of the promotional material mailed to me. There 's instructions on how to opt out. A number was provided for me to call to opt out of promotions and marketing ; however, they first asked for my social. That is something I 'm not comfortable giving and is scam like. I want this to stop immediately without providing my Ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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: Account information incorrect

Complaint:
Hello my name is XXXX XXXX I have been disputing these accounts since XX/XX/2018 and yet to have any luck but enough is enough XXXX XXXX XXXX is reporting completely incorrect and inaccurate, the high balances are reporting differently for example on Transunion is reporting at XXXX $ and XXXX $ on the rest of the agencies, the amount past due is reporting different on all 3 agencies as I will have screenshot provided to show. In XXXX and Transunion  there is nothing negative in the payment history reporting, in XXXX why do you have no remarks or past due but reporting as charge off status in payment history? 
Also the past due dates on all three agencies are way off so as you can see they are reporting this account completely incorrectly and something has to be done asap! 
correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.

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 2019-08-16
Company: AMA Advisors, LLC.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my property at XXXX XXXX XXXX XXXX, la XXXX on XX/XX/2019. money was collected at closing ( {$4700.00} ) for holdback for repairs and sent from the title company to the lender ( homebridge ) as instructed by the lender. I have been contacting home homebridge since XX/XX/2019 in regards to that amount of money to have repairs taken care of. I have not only gotten the run around and multiple numbers to contact but no one has yet to contact me or the closing company back. The corporate office number I was instructed to call no longer gives you a option to select a extension it does nothing nor does a operator pick up the line.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: CAVALRY INVESTMENTS, LLC
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 XXXX XXXX XXXX XXXX settled this account, Settlement Amount {$800.00}! I enrolled this account, XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX Enrolled Balance ) at that time was {$830.00}. Between XX/XX/XXXX and XX/XX/XXXX ( Two Years ) the balance rose to {$1300.00}. At this point it was settled for {$1300.00} XX/XX/XXXX ; Settlement Amount {$800.00}, Settlement Percentage 60 %, Debt Reduction {$39.00}, Settlement Fees {$170.00}. 

PROBLEM : Cavalry Portfolio Services has received payments in accordance with the payment plan through XXXX XXXX XXXX XXXX XXXX. Cavalry Portfolio Services refused to document these payments to XX/XX/XXXX, XX/XX/XXXX &XX/XX/XXXX Cavalry Portfolio Services reports & XXXX on the Credit Report. How can this be correct when the settlement balance was {$800.00} & Cavalry Portfolio Services received monthly payments from XXXX, a period on one year?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I submitted a dispute with Experian in regards to an account showing up as derogatory for XXXX XXXX XXXX. This account was paid in full and XXXX XXXX provided me with a receipt that shows the amount is paid in full. I resubmitted a dispute with Experian and Experian requested to documentation to reopen the dispute. I in XXXX provided the proof/receipt of payment to Experian for them to reopen the case and correct the information. The account dispute was never reopened event though I provided the receipt that XXXX XXXX gave me showing that the account is paid in full. I submitted another one today but it looks like Experian isnt reopening investigations or reviewing the documents provided to make the necessary corrections. This is impacting me at the moment as I am trying to get a mortgage.

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 2018-02-26
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold, to a company with very poor reviews. We had never had an issue with our prior company, since the loan was sold they have failed to run payments, cashed cashiers checks for payments yet failed to credit them. We sent a XXXX cashiers check that was cashed XX/XX/XXXX. We sent another XXXX cashiers check that was cashed on XX/XX/XXXX and another XXXX on XX/XX/XXXX that I have verified was cashed but am waiting on the confirmation of the date cashed, believe it was the XX/XX/XXXX. That's XXXX we have received no credit for. Shellpoint says last payment was XX/XX/XXXX. They have made it impossible to refinance to get away from them by reporting us late since XX/XX/XXXX. Shellpoint claims we have an outstanding balance of XXXX yet we have sent XXXX in cashiers checks that have been verified from our credit union as being cashed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed a charge on my XXXX Chase credit card, because the merchant sent me an inferior product and when I attempted to return the item according to the terms I was told at purchase i.e., free return shipping, they refused to give me a return authorization form. 

Also, there are numerous reports against this company, XXXX. I have told XXXX Chase Visa that I have no intention of paying for the item, but they continue to add finance charges on the statement each month. I have ceased using my XXXX Chase Visa because they refused to respect me as a good customer. 

Just yesterday I received an invitation to extend my credit line with them because, as the letter indicated, I was a good customer. I have been a good customer of Chase and despise how I have been treated in this manner. I called XXXX Chase Visa and no one would transfer me to the letter writer. 

I want XXXX Chase Visa to cease sending me statements with XXXX and finance charges. I have repeatedly told XXXX Chase Visa that I will NOT now or in the FUTURE pay for this faulty item sold under false pretenses. 

Here is a list of some of the complaints against XXXX : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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:
I am writing this due to non-compliance with the Credit Reporting Agencies ( Experian, XXXX, and XXXX. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.

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 2018-07-17
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
PMAB continues to harass and call me after sending them a cease and desist letter by certified mail XXXX-2017 which is attached with certified receipt. I do not owe this company anything or anyone else. I have told the to stop contacting me as I will not ever be offering payment for a bill that is not mine. The certified receipt with tracking numbers is attached to confirm PMAB received the the cease and desist but they continue to ignore the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
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: Problem with personal statement of dispute

Complaint:
I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer available to transfer credits or finish course

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 2020-08-31
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance process with Mr Cooper ( Nationstar Mortgate ) to  refinance my home mortgage. I started this process on Friday, XX/XX/XXXX with XXXX XXXX at Mr Cooper. On XX/XX/XXXX I was informed that I would have to pay an appraisal fee of {$530.00} to continue the loan process and no other information regarding fees or penalties. I received information on paying the appraisal fee over the weekend while I was out of town. 

On Monday, XX/XX/XXXX I spoke to XXXX at Mr Cooper and informed him I wanted to wait until Friday XXXX to pay the appraisal fee of {$530.00} in cash. He informed me at that time that if I did so, he would have to extend the lock on the loan and that I'd have to pay a {$600.00} fee in addition to the {$530.00} and " potentially a bunch of extra fees ''. He asked me to give him a credit card to pay the appraisal fee to prevent these extra fees or I had to cancel the loan. 

I asked to speak to his manager. He sent me an email with his manager 's information in the text. I called the associated number but it was a voicemail with another phone number to call. At this time I raised a complaint to Mr Cooper 's complaints department. 

At no point was I informed that I would have less than 24 business hours to pay the appraisal fee or risk additional, much larger fees. Mr Cooper threatened to cancel my loan process or charge me additional fees as a result of not completing their process in less than 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This account has also been closed. When we closed on our home, XXXX XXXX was transferred to XXXX. These lates that are being reported are in error. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have spine. To Navient numerous times, I had a fixed interest loan, and somehow they keep increasing the interest rate. Additionally, they keep increasing my loan balance. The loan balance is almost twice what it was, and I have been paying back this loan for over 10 years. 

Can you please help to shut this company down?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is improperly reporting 90 days in XX/XX/XXXX late on my credit report for 12 different loans. I received a forbearance on all loans with XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( the " forbearance '' ). As a result, no payments were required during the forbearance period, which is documented by a correspondence from XXXX XXXX and attached hereto. I submitted a dispute with Experian in XX/XX/XXXX but the dispute was denied in XX/XX/XXXX. I contacted Experian on XX/XX/XXXX and they told me the reporting is valid and they can not remove the late payment history, despite me offering to provide XXXX XXXX 's correspondence approving a forbearance. As a result of the negligent actions of XXXX XXXX and Experian, my credit score is extremely damaged.

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 2021-06-21
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021, I drafted the attached dispute to Experian advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered. It is significant that the same dispute was honored by XXXX  immediately. Despite this, the incorrect information remains on my credit report more than 30 days later.

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 2019-08-16
Company: Sunset Solutions Group, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Yes an agent contacted me for a firm named Sunset Solutions LLC. It was about a payday loan that they claimed i received in XX/XX/XXXX but didn't pay. I was told that legal action would be taken if i didn't agree to set up a payment plan. First payment was debited from my account on XX/XX/XXXX in the amout of $XXXX. The agree was for this amount to be taken out of my account via pre authorized debt charges every two weeks. The last payment was set for XX/XX/XXXX. I haven't received any information about this bill from initial payment, payment schedule, or anything. After XX/XX/XXXX, I tried contacting Sunset Solutions LLC to get information on my account. No one will answer my calls, and the emails provided on the site doesn't work.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-16
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Two incidents of Identity Theft and Loan Fraud were detected in my credit report. Both were student loans issued to XXXX XXXX with me as the co-signer. I submitted fraud packets as requested by Navient and XXXX XXXX ( both attached ). XXXX XXXX release me of liability promptly ( release letter attached ). However, Navient seems indifferent, even though as per Fraud Affidavit, I am a victim of Identity Theft and Loan Fraud which resulted in unauthorized use of my personal information such as name, DOB, SSA #, and my tax return to obtain approval for a student loan for XXXX XXXX. I have never consented to, nor signed any documents relating to this student loan for XXXX XXXX in any capacity. 
Additionally, I have always personally signed loan documents ( promissory notes included ) usually notarized. I have never allowed electronic signatures to be used on my behalf for loan documents ( promissory notes included ). These details were related to Navient 's fraud department employee name XXXX ( ID # XXXX ) on two separate calls in which this employee express indifference and indicated my situation may or may not ever be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection placed in XX/XX/2016 with no notification of any monies owed from original account owner or the collection agency. Upon discovery of the account, a dispute was opened requesting proof of the account and a breakdown of monies owed - this was never received. 3 subsequent disputes and requests for breakdown have been requested - still never received, only a note on the credit report that it was proven to be my account.

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