BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: SC
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:
Please update all of my personal information on Equifax, XXXX, and XXXX. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX and my only employer is XXXX XXXX XXXX XXXX ( XXXX ). 
There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Credit Bureau Services Association
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: Their investigation did not fix an error on your report

Complaint:
CREDIT BUREAU SERVICES ASSOC is in violation of my privacy rights under HIPPA Law. I have continuously asked CREDIT BUREAU SERVICES ASSOC to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section XXXX credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and TransUnion Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # 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 2019-03-25
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 checked my credit report and noticed a XXXX card reporting that I never had someone is using my 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 2020-09-18
Company: Synovus Bank
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan became past due in XX/XX/2019 after my husband and I were in a fatal accident. I was in a hospital and rehabilitation for months unaware of my husbands death. In XXXX I reached out to XXXX XXXX of XXXX FL for foreclosure prevention assistance. In XXXX I meet with XXXX XXXX XXXX XXXX XXXX XXXX XXXX who also has a 2nd mortgage on my home. They are ready and have agreed to pay up to {$20000.00} of my past due balance. I've been getting the no where with Synovus Mortgage or the attorney assigned XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX. I've been told in writing by Mr. XXXX that Synovus has agreed to allow me to assume the loan and that no credit report/score is required. Two months has passed I have no information on being able to assume the loan ; the only way XXXX can make the payment on my behalf I must have the loan ( mortgage statement ) with my name on it. When I call Synovus they direct me to the attorney, when I call him he is not available or can not provide any progress on my case. I was notified by XXXX at Synovus XXXX they plan to sell my loan to another servicer. My goal is to bring my account current with Synovus before any transfers happen ; I don't even know if they have put the loan in my name. They also mentioned needed a subordination for the 2nd mtg, the 2nd mortgagee is XXXX XXXX XXXX XXXX and XXXX XXXX. This is the same agency with funding to pay the past due balance, they have no problem subordinating. The issue is the lender and attorney are not communicating in a timely manner and they are not on the same page. I can afford to pay my mortgage going forward ; I just need the proper information to get the mortgage brought current and have a agency willing to help. Can you please get Synovus or their attorney to respond to my requests? XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Nelnet, Inc.
State: NE
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 entered to Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX to XXXX XXXX. I have been under an IDR plan and pay approximately 21 $ a month. In XX/XX/2018 I was re-certified. Then, some of my loans were switched to nelnet. For the last 3 months my IDR ( PAYE ) was not honored and I was charged approximately 150 $ for the last 3 months. They stated that I did not resubmit my IDR which is false. The payments were unauthorized and I would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 sent certified letters to the company as they violated federal law reporting my payments as late to the credit bureaus. I have never given them permission to release my personal information which again violates federal consumer protection laws. They have reported me as late with payments. I want them deleted off of all the credit bureaus reports.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX Account # 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 : It 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 non-monetary relief
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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 am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Lloyd & McDaniel, PLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
court awarded amount of XXXX. This was collected back in XX/XX/2019. the company told me I still owed them money above what the courts took. I paid that amount XX/XX/2019. they say I Still owed more money. I paid that amount XX/XX/2019. I want this to finally be over. I paid enough. I want a paid in full letter and this to be dropped from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a homeowner since XXXX. I dealt with several financial institutions and I have never seen any of them including XXXX XXXX that transferred my mortgage account to Specialized Loan Servicing ( SLS ), adopt the escrow calculation methods adopted by SLS. I am certain that many are loosing their homes due to such practices. 

My loan was initially modified in XXXX by XXXX XXXX to allow me to maintain my home. The monthly payment was around {$2300.00} then. Since SLS took over, it has been catastrophic due to their ambiguous escrow calculation methods. SLS has been servicing my mortgage for less than two ( 2 ) years and my payment has increased to more than {$600.00} with an unchanged property tax amount. For example : The escrow analysis reveals, XXXX XXXX XXXX Pin + interest {$1700.00} {$1700.00} {$1700.00} Escrow Payment {$57000.00} {$590.00} {$1000.00} ( double ) Shortage amount {$93.00} {$270.00} {$110.00} Annual Escrow paid {$3900.00} {$8000.00} {$10000.00} Annual Escrow Paid out {$2600.00} {$7100.00} {$7400.00} Current Payment {$2300.00} {$2500.00} {$2900.00} Why the increase of the escrow amounts if the property tax or the property insurance has not changed? Why the increase of the escrow amounts if the shortage is being collected as well? I was told by other lenders that if the shortage is paid in full, there will be no increase in the monthly payment, unless there is a change in County Tax or property insurance. It has not been the case here. 

The escrow analysis of XXXX was conducted based on {$13000.00}, {$5700.00} X 2 +  the property insurance amount. They have indicated that they paid out {$5700.00} in XXXX and XX/XX/XXXX for property tax, and when I contacted the county, I  was provided with a proof of only {$5700.00} received in XXXX. They had no records for XX/XX/XXXX payment. I have to emphasize that my annual property tax cost was {$5700.00}. 

I contacted SLS last in XXXX and discussed the issue with a Representation on XX/XX/XXXX, that was not able to identify the discrepancies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
My credit was perfect! I'm in the process of buying a house in discovered that Navient is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is Navient and Sally, which Sally Mae is incorrect, old and reinserted!

Please assist ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: OH
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:
On XXXX separate occasions I asked Experian, XXXX XXXX, and XXXX to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the XXXX credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until XXXX weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe XXXX water bills. That is not possible as it was built into the rent. I Have proof from XXXX XXXX  who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX/2020.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-01-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I request you to provide me verification from each merchant by affidavit personally witnessing me making any of the transactions on this accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An affidavit of truth. If you can not provide it, then you've failed to conduct a reasonable investigation and are in violation of my rights under the Fair Credit Reporting Act.

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 2023-05-24
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  IS A DEBT COLLECTOR TRYING TO COLECT ON A MEDICAL DEBT, THAT MY INSURANCE, MEDICARE AND XXXX SHOULD HAVE HANDLED, THEY ARE FALSELY CLAIMING I OWE THEM XXXX, FOR XXXX. I AM ON SSDISO MY INCOME IS FEDERALLY PROTECTED FROM THIS COMPANY. I WISH FOR THEM TO HAVE THIS REMOVED FROM MY CREDIT FILE, BUT FOR NOW HAVE IT NOTED THAT IT IS BEING DISPUTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX  credit report. The error which prompted this credit report dispute include late payments since XX/XX/2019, SANTANDER CONSUMER USA. I am kindly requesting SANTANDER CONSUMER USA to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just checked my credit report to see that 01 XXXX XXXX is calming that I have {$140.00} outstanding and placed for collection. It looks like they are a payday lending company. I have never and would never be involved with pay day lending and have never heard of this company before. 

This is fraud.

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 2022-12-20
Company: EQUIFAX, INC.
State: NE
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: WELLS FARGO & COMPANY
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a scam for a rental property. I sent money using XXXX XXXX from my bank to an account at Wells Fargo. The amount was {$1500.00} sent on XX/XX/18. I contacted Wells Fargo as soon as I found out about the scam. I provided the routing and account number where the funds were sent, and they would not provide me any information on the account/person that received the funds. Nor would they work with me in any way to try to recover the money.

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 2019-03-25
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a payday loan for real I recall maybe three I kept getting harassing emails that I was going to go to jail if I didnt pay right now Im paying a total of 11 loans every two weeks ranging from $ 100-  {$50.00} I want to know is there a way I could find out how many loans I have outstanding as I dont Recall and in drowning in debt I have a husband is disabled and I cant remember ever having 10 loans please assist if you can

Company response to consumer: Closed with explanation