BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 applied for a car loan online and was denied. I thought it was a mistake because I've always paid my bills on time. I spoke to someone at the lender 's customer service and he told me I had delinquent accounts. I was confused and went and pulled my credit report To my surprise I saw several things on my report that were not mine. Before reaching out to you all I contacted the police and got in contact with the FTC. I need these items deleted. 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 explanation
Consumer complaint received 2021-05-29
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland funding Llc has added a collection to my XXXX  file. I do not recognize. I sent a dispute to XXXX  regarding this account. Midland sent me a copy of a statement from 2016 that does not have my name or any other information on it. It just says the amount of {$920.00} is due

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Ditech Financial LLC
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 status incorrect

Complaint:
I recently applied for a home loan. The loan company pulled my credit report and provided a copy to me. DiTech Financial LLC, whom I understand is one and the same as my former XXXX XXXX  holder on my former house, XXXX XXXX XXXX, reported my former first mortgage for property located on XXXX XXXX XXXX XXXX as " Foreclosure Paid ''. This is an error that is adversely affecting my credit score, my ability to get a loan and the interest rates that are available to me. XXXX XXXX was paid in full on X/X/2016. See attached Closing Statement. It is correct that the house was a short sale and in pre-foreclosure ; however, DiTech was paid in full and there had been no foreclosure hearings, judgment or auction. XXXX XXXX XXXX held the second mortgage and was the bank that was " shorted '' and not fully paid. Yet, XXXX XXXX XXXX properly filed a Satisfaction of Mortgage and reported the account as settled less than full balance and " Paid. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: NY
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:
My Experian credit report and thus all related reports using Experian show 7 accounts with late payments. I actually have absolutely no accounts with late payments. 

When I try to determine what accounts Experian is referring to in order to file a dispute, all accounts report that there have never been any late payments. 

Each account reports " This item already shows that you are current and the terms of your agreement with the creditor have been met. This means that you were never late with your payments, so this item can not be disputed using this reason. '' There is no way to open a dispute because no account actually has late payments. 

Experian does not provide any way to file a ( necessarily general ) dispute at any of their telephone numbers. It appears impossible to reach a live representative at any of the numerous telephone numbers provided by Experian or found online. 

I would like to open a dispute with Experian requesting specific information on what 7 accounts purportedly have late payments, and upon failure to supply supporting information, have all reports and indications of late payments 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 2021-02-11
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2020, I went on COVID 19 forebearance plan for several months The plan ended, I did not re extend it. I paid them all the money. I am now trying to refinance, and on my mortgage history verification they wrote that I was PAST DUE 30 days on my mortgage 5 times in 2020. I was NEVER past due. I was on COVID 19 PLAN. This is very, very detrimental to my refinancing. 

When I called them, the girl did not even know what she was talking about. She said it was from my previous bankruptcy. No this is not correct, it clearly says on the VERIFICATION OF MORTGAGE that I was past due 5 times in 2020. This is NOT the way COVID 19 plan was to be. I was not supposed to be reported as a late payment at all under COVID forebearance. This is ridiculous.

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 2021-02-03
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: Investigation took more than 30 days

Complaint:
I dispute to the credit bureaus several accounts for inaccuracies and the haven't answered me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Cedars Business Services, LLC
State: CA
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:
Failed To Validate Alleged Account Due The defendant " Cedar Financial '' failed to validate an alleged account due. All they did was send an invoice or a statement. They never supplied an agreement, application, or contract with my signature on it. They never presented me with an itemized breakdown of the alleged account due. It is my opinion that the defendant is in potential violation of Federal and State Debt Collections Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Tranfer to another lender dispute on XXXX no answer receive it 45 days and. Never did a Contracts with this people or know who they are also never receive letters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid off a Wells Fargo retail account back in XX/XX/XXXX. My wife did not realize I paid it off and sent in 2 payments totaling {$1500.00}. ( XX/XX/XXXX and XX/XX/XXXXpayments ). I have since tried numerous times to get these monies refunded back to me. They originally said they would mail out a refund check ( in XX/XX/XXXX ) ; the first check never arrived. I called Wells ( XX/XX/XXXX ) and they said I would need to fill out a notarized affidavit and send it back in and they could reissue  the check. They explained the process could take an additional 25 days. I requested to speak with a manager since this was putting me into a financial hardship. The manager i spoke with agreed with me and explained I would NOT have to fill out an affidavit and a new check would be reissued. I did receive the affidavit in the mail a week later but no check. I was under the assumption from the manager I should be receiving a check so i waited a bit longer. Finally on XX/XX/XXXX I called Wells again and was told by another associate ( XXXX ) that the matter would be resolved and a check would be re-issued. She told me to wait a week or so and call back to verify that it was sent out. I called today on XX/XX/XXXX and again no check had been mailed out. I now spoke with another manager ( XXXX ) and he says there is no way of getting around the affidavit and they will send me another to fill out. My point is they will not allow me to go into a branch to do any of this and now I feel I am jumping through major hoops to try and get my money back. It has been about 60 days now I have been told numerous things from many reps in their retail division but am yet to receive my {$1500.00} back.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: KY
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$64.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This account does not belong to me nor should it be on my file, im not responsible for this account. 

1. 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 2018-03-20
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I pay student loans to American Education Services located at this address : ( American Education Services, XXXX. XXXX XXXX, XXXX, PA XXXX ). They bought my loan from another company. I am supposed to have a fixed interest rate at 4.5 % ( so long as I am enrolled in auto pay which I was - and never took myself out of it ). They took me out of it and increased my rate to 4.75 %. I called in early XXXX and the man claimed they did this because I re-enrolled in school and the government automatically puts me on deferment so they took me out of all this. 1. ) I paid cash to go to school so they did not need this info 2. ) they never once contacted me about this, just changed everything without my permission 3. ) promised to change it back, it still has not been changed. I called back in mid XXXX asking about this and they did not do anything, even after promising to do so. 4. ) In the past, I received verbal promises from this company to not change my account without contacting me first, they continue to do so. 

Last year, XX/XX/XXXX, the company went on my account and changed the amount I previously asked them about. They just changed it, no verbal or email from me, they took initiative and lowered my monthly payments ( I pay ahead so I can eliminate debt ). The company claimed, on numerous occasions that extra payments go to debt so I pay extra. It took me two months to fix this. 

I have gone through XXXX but nothing has been resolved, they simply contact the XXXX saying it's under review. For two straight months? 

I have attached letters they have sent me. They originally also sent letters in early XXXX, I've noticed they are no long in my inbox but I have hard copies at home. I have called around 1/8 and additionally in mid XXXX as well. Both people I talked to assured me everything would be fixed and it still is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged a large amount of fees for the past few years {$12.00} for " Overdraft Protection ''. I feel that they are adjusting debits in order to be able to charge all of these fees. I would like someone to please review this ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MIDLAND FUNDING would verify the debt. So I took it upon myself to ask MIDLAND FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have taken care of this balance in full. This is showing up derogatory on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
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 status incorrect

Complaint:
The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in  XX/XX/XXXX but XXXX investigated with a reponse that account closed with a Balance deceasing every month.

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 2017-11-28
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX Complaint On XX/XX/XXXX I submitted an application for an income based repayment plan. As of XX/XX/XXXX my application has still not been processed. I have made several calls over the last 4 months with no resolution. I have confirmed XXXX XXXX  has received my completed application and no other documents are needed. I made the appropriate {$5.00} payment to switch repayment plans, but my monthly payments have not been reduced. My loans are close to being reported on my credit report as past due. I ONLY WANT TO MAKE A LOWER PAYMENT ON MY ACCOUNT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
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: Was not notified of investigation status or results

Complaint:
Hey Guys. Hopefully you can help me out. I sent a letter to the credit bureaus over 2 months ago and I haven't gotten nothing back. Aren't they supposed to respond to me in 30 days? It's been more than twice that with nothing. Can you check into this for me please?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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:
This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion, XXXX  and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXXXXXX / {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: ERC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation