BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.

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 2018-12-06
Company: Experian Information Solutions Inc.
State: PA
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 one XXXX account with a balance of {$840.00} which I have no knowledge of the account, I sent a dispute letter to the 3 credit bureaus ; only XXXX who removed the account because the creditor was not able to provide 100 % proof that the account belong to me. But XXXX   and Experian refuse to delete it. I sent more than 3 round of dispute with them even send them a copy of XXXX deletion still they refused. Then I sent a letter requesting fro proof of their investigation, asking how did the verified the never send me a proof. So on XX/XX/2018 I decided to request a verification from XXXX, on XX/XX/2018 XXXX couldnt proof it ether was mine, because they just send me a snapshot of past due bills. No contact bearing my signature, which they should have as a original creditor. I call they XXXX  and Experian told them to delete that account because the original creditor ( XXXX can not proof me that the account belong to me ) therefore must be delete immediately. Also ask them why? And how they been verified it if the original creditor doesnt have the original contact. XXXX  and Experian still do not want to remove it even though XXXX  did. I need your help to get it of my credit report because it hurting my credit rating. I attached the documents received from the original creditor no contract at all. Under the FDCPA and FCRA the credit bureaus must investigate and make sure the information is 100 % accurate. They credit bureaus failed to comply under FCRA.

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 2023-07-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: Experian Information Solutions Inc.
State: WI
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 was recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I got in contact with Federal Trade Commission and police. I need your help. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX AND 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 2023-03-18
Company: EQUIFAX, 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'm having this trouble since couple of years ago! Every time I see my credit report there's always an issue or i see many inquires that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to validate this account. It is not acceptable to treat this reporting account as unverified information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$7300.00} debt from XXXX I cant say this more emphatically, I have never had a XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove 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 2018-04-18
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was a student at XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I accumulated XXXX of debt in student loans. This school flat out lied to me. I was under the assumption it would have been less than half of that since I had a lot of credits that transferred, not to mention this school promised me job placement, which they did not! They told me I would be making a lot more than what I do. They gave me false information. The only thing this school did for me is put me in tons of debt and lied to me. I am a single mother of XXXX  and was so excited to get my degree. Until I graduated and realize how much they lied to me. The school is now shut down. Can I get these loans forgiven due to being lied to and given false information that basically pressured me into enrolling. If I would have known that my student loans would have been this high. I would have just stayed at the XXXX college where I did my prerequisites. I feel like I fool that XXXX had done this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ONEMAIN Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} Terms : High Balance : {$5000.00} Limit : Past Due : Payment Status : Bad debt & placed for collection & skip Comments : ACCOUNT TRANSFERRED OR SOLD CHARGED OFF ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MEMO TO : Seterus, Inc. via its legal counsel ; Nationstar Mortgage d/b/a Mr. Cooper FROM : XXXX XXXX XXXX, XXXX. 

RE : NOTICE OF SERVICING TRANSFER dated XX/XX/XXXX of LOAN NUMBER XXXX ( copy of Notice attached to this email ) DATE : XX/XX/XXXX PLEASE TAKE NOTICE that a disagreement exists between me and Seterus regarding the unauthorized charge of {$280.00} that appeared on my XX/XX/XXXX statement. Despite efforts to have removed, Seterus ignored my request and has engaged in its longstanding practice of late fees, etc. during the pendancy of the disagreement. 

As a quick summary of this disagreement, I have copied and pasted the XX/XX/XXXX, email between me and Seterus ' attorneys : From : XXXX XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX <XXXX> Cc : XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> Subject : Re :  XXXX XXXX , XXXX XXXX, Pursuant to the terms of the Mediation Settlement Agreement, incorporated into the fully executed Modification Agreement ( with the unilateral cramdown of an additional .XXXX  % interest rate ), the new principal balance agreed upon and incorporated into the modified loan paperwork included ALL charges of every nature. 

After timely making my initial payments, the statement from Seterus dated XX/XX/XXXX included an additional {$280.00} that the Seterus rep I just spoke with identified as " legal expenses ''. This is unacceptable as contrary to the terms of the Mediation Settlement Agreement and the terms of the Modification Agreement. I also find the amount suspicious of passing on the cost of the last mediation conference that Seterus was obligated to cover in full. 

Please reply to me explaining your position and let your client know that I am requesting a detailed statement explaining the source of the {$280.00} and a waiver of same pursuant to the settlement of the wrongfully filed foreclosure action. 

Best regards, XXXX XXXX XXXX XXXX, XXXX, XXXX Florida XXXX # XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ***end of XX/XX/XXXX email*** This disagreement continues and this email serves as formal NOTICE to the new servicer, Mr. Cooper, and my demand that before accepting the balance as accurate on the above-referenced loan, that an accounting be required, that the {$280.00} charge be removed, along with all late fees, etc., and that the account be reset as current, and the payments will resume based on the corrected balance. 



Please acknowledged receipt of this email and your response to my demand by XXXX XXXX XXXX   tomorrow, XX/XX/XXXX. 



XXXX XXXX XXXX, XXXX, XXXX, XXXX Florida XXXX # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I made a bulk appliance purchase from Lowe 's and used there Fixed Payment -- 60 month option. My first minimum payment of {$150.00} was due on XX/XX/XXXX and I made a {$200.00} payment prior to the due date. Every month since then, I have made a {$200.00} payment without fail and my minimum due has always been {$150.00}. XX/XX/XXXX, I accidentally made my payment 1 or 2 day too early and they are now charging me late fees and penalizing me saying that I missed a payment. I never missed a payment. I have record of a {$200.00} payment every month. My only mistake was paying one month a day or 2 too early. I spent an hour on the phone with 4 different transfers, asked for a supervisor, got a manager for maybe 5 minutes and transferred again. They all kept saying I missed a payment and that I owed {$300.00} to make it right. So, I am being penalized and my credit is going to be affected because I made my one payment too early ... not late. They finally said they would lower the payment to {$190.00}. When I asked why it was more than the {$150.00} minimum due, she said because of the late fee. I just can't understand why they couldn't go back, see my entire payment history like I can, realize I never missed and make the needed correction to fix this problem.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$400.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove 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 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent numerous of letters to try to resolve this issue to the three major credit reporting agencies but neither could verify that the inquiries belong on my credit report I have almost 50 credit inquiries that are not associated with an account that I need removed.

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 2019-02-27
Company: PHH Mortgage Services Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we were informed by letter that XXXX XXXX  XXXX had sold our mortgage to PHH Mortgage Services. We were given a new phone number and account number for our loan ( see attached letter. ) It is now XXXX. We owed less than {$7000.00} on the mortgage. XXXX had always been wonderful.

Immediately upon receiving the PHH letter on XX/XX/XXXX, I called to make sure that they would continue to take out our payment of {$400.00} automatically. We are paying extra each month to pay off the mortgage earlier. It took me 3 or 4 phone calls to get through their menu system and reach a person. I could only do that because I hit the button for beginning a new mortgage.I explained the issue and that we'd paid {$1000.00} recently. I was assured they would take money out automatically, just like before I explained we were trying to pay it off asap ; she seemed sympathetic and understanding about this.. My husband and I paid {$1000.00} extra in XXXX to XXXX before PHH took over. It was cashed XX/XX/XXXX. 

On XXXX we received a letter that stated that their " records show that the account is currently paid ahead. The monthly payment that is automatically drafted from a designated financial institution will continue, however, please note that PHH will only begin drafting the monthly payment once the account is no longer paid ahead. '' We called on XX/XX/XXXX at XXXX XXXX upon realizing that they had NOT taken out the XXXX payment as promised. After 24 minutes, XXXX talked to someone who said we could only change the payment every month by changing the withdrawal amount. He was frustrated at their lack of help because they refused to take out the {$400.00} for XXXX ( as promised ) and thus we owe more in interest than we should. The phone call ended abruptly - all of a sudden the line went dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$400.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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: I.C. System, Inc.
State: NV
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:
I recently checked my Consumer Report and noticed that a change was made on my report. It states that I C Systems was removed from my report and I gained 1 point. I disputed this item last year which wasn't deleted and now after another dispute it has become deleted. I would like to know what was the purpose of the deletion. According to 15 USC 1681 n and 15 USC 1681 b ( 2 ) they are in Violation. I never gave them permission to report anything to them and Pursuant to 15 USC 1692j. I am asking for remedy of XXXX by Check Only.

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 2023-02-09
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-03-02
Company: Colony Brands, Inc.
State: MS
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:
To whom this my concern, I have dispute several accounts or more on my behave in witch when I have first got started also pull my credit for the following companies : On all 3 credit reports I request to update all my information still to come in 4 months time I see some items are being deleted also coming back on different address I still maintain some of the items are over 5 to 10 years or longer is still being reported I fill like if these items are showing off close charge offs or no date for the time period it should be removed

Company response to consumer: Closed with explanation