BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. 
I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. 
Creditor : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX; XX/XX/XXXX Please note  that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 
Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 
Sincerely, Signature XXXX XXXX SSN XXXX DOB XX/XX/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 2023-03-07
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX, Experian, XXXX has verified that information that is reporting to my credit file is correct. Which indeed it's not correct all three are reporting inaccurate dates, months, account description and Credit limit. These accounts aren't reporting the same information this has been verified then I request Under Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This not an update of my credit report but a deletion. These three Bureaus are refusing to remove these inaccurate accounts that aren't reporting correctly.

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 2020-06-25
Company: EQUIFAX, 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 found 3 fraudulent account on my credit report I listed the accounts not belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Victim of Identity Theft. I already have a personal loan account with XXXX XXXX XXXX  ( XXXX ) and the account number is XXXX. On XX/XX/XXXX XXXX without my authorization transferred XXXX $ s to my XXXX ( XXXX ) credit card and XXXX $ s to some account in XXXX. I never heard this organization XXXX. I leant about this activity when XXXX called me sometime in XX/XX/XXXX. Then i started disputing. I did not even realize that they transferred XXXX $ s to my XXXX CC. Sometime in XX/XX/XXXX XXXX gave me XXXX number of XXXX. I called them, they searched their data base with name, SSN etc. and they could not find any. XXXX wanted Routing ID and first 3 digits of account which they did not give. I reported to XXXX   and XXXX and they closed this account. Equifax is investigating. Sometime in early XXXX i consulted a Lawyer. As per my lawyer 's advise, following good faith tender agreement made XXXX $ s as FULL and FINAL payment to XXXX as XXXX $ s came from them. Even though i did not authorize i made this payment and they accepted. They deposited the check. Now they are coming after me for the remaining XXXX $ s which they ( XXXX ) themselfs don't know where they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: WV
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:
Reference is made to CFPB complaint # XXXX where I complained about Equifax repeated, ongoing non-sensical responses to disputes which fail to 1 ) advise which dispute they are responding to and 2 ) provide any helpful meaningful information to resolve the dispute. Their response to complan # XXXX was just as non-sensical and ambiguous ; Their form response was completely irrelevant and had nothing to do with the complaint raised. So, now, I'm complaining about their non-sensical response to former CFPB complaints. How many complaints will it take before governing agencies step in and do something about Equifax lack of meaningful responses which do not address which dispute they are responding to, and fail to provide a solution? Or would it just be easier to hire an attorney?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: PHH Mortgage Services Corporation
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with PHH Mortgage, serviced by mortgagequestions.com.

I have been paying PMI since the loan originated, but last year applied to have PMI removed. I paid their fee for their appraiser to come out and appraise the current value of my home. Their appraiser stated the value at just under the value that was needed to remove PMI on the loan.

In XX/XX/2018, I had another appraisal done to try to refinance the house. The appraised value came in higher than the value needed too remove PMI last year, so, once the refinance failed ( due to a separate issue with divorce ) I contacted PHH/mortgagequestions.com to start the process to remove PMI from the stated value from the appraisal. I have contacted them several times. More than 1 week after each contact ( their autoresponder to email states I'll get a response in 24 hours ), I get a response to my request that they will send out a letter outlining requirements within 7-10 days. I've been trying for a month now and I have not gotten this letter, nor have they responded with a reason as to why they're delaying responses.

Their delay in removing PMI and their appraisal last year feels deliberate in an attempt for them to continue collecting that fee even in light of the requirements for removing its having been met.

Additionally, I have my mortgage payments set for 2 equal payments each month. The first payment is always the requested payment, the second payment of the month is always higher than requested with no explanation as to why. Additionally, my account statements never reflect the additional amount that has been taken from my checking account for payment nor what the additional amounts were used for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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 have a debt on my credit report XXXX XXXX XXXX XXXX that is already more than 7 years old. The company waited until this hit the 7 year mark to sell my debt so that it would be re-reported. I tried to work this out with them when the original loan defaulted, the repossessed the car and sold it making back almost every dollar I financed. They would not agree to let me pay the balance in arrears monthly and wanted me to instead take out another loan to pay theirs off. I could not qualify for another loan and they advised me at the time to just wait it out then until it fell off. XXXX at 7 years they sell the debt and it is negatively impacting my credit score when I tried every resource possible to pay them back/ off at the time that it was happening. As a matter of face I had the money for the two months that I was behind when they repossessed the car and they would not accept my payment and insisted on me getting a new loan elsewhere to pay them off. I want this loan removed off my credit as the company made their money back when they sold the vehicle, they did not work with me to get this rectified and they lied to me and sold my debt at the 7 year mark to keep my credit score down. I accept full responsibility for any debts that I knowingly have defaulted on my credit but what they did is not only wrong but its deceptive to tell a consumer to just wait it will eventually fall off and then sell it is deceptive practices. I would like this removed off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Loan # with PHH Mortgage is XXXX, I was approved for a Forbearance plan last year XX/XX/XXXX by PHH Mortgage, I was given 12 months in the Forbearance and after that the servicing company denied to give me any more extension on the same after XXXX of XXXX, I spoke with the investor of my mortgage which is XXXX XXXX to further investigate the matter as I have no job due to covid crisis, I was told by XXXX XXXX  that I will be able to apply for another 6 months of Forbarence through my servicer which is PHH Mortgage as I have only completed 12 months and the forbarence plan can be given 18 months in total, I again called PHH Mortgage to request extension on my forbarence plan, but I was told that I am not eligible for any more extension on Forbarence Plan. 

I request you to look in to this and help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018 I wrote to Transunion explaining to them that I had inquiries on my report which I did not make. Transunion is aware that I am a victim of identity theft. Transunion also has a copy of my police report validating that I am a victim of identity theft and fraud, as well as my identity Theft affidavit from the FTC. Transunion is reluctant in removing these inquiries which are damaging my good name. Why am I being punished for what someone else has done to me? This whole experience has already been very emotional and traumatizing. Why isn't Transunion willing to help me when I am the victim?

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 2022-08-10
Company: AFNI INC.
State: NJ
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:
Company claims that info was sent to me in regards to amount owed of XXXX, and also claims that proper investigation into this matter was done which is false. My address is incorrect on their documentation. This info on my credit report needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I sent a debt validation letter to XXXX XXXX XXXX. They responded saying that the debt has been " verified '' and provided copies of a billing statement. That is not sufficient validation of me owing XXXX XXXX any debt. 

I requested that XXXX  validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They only provided me with a billing statement which does not prove that I am obligated to pay them anything. They have reported delinquent information to all three credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Earlier this week, I received a letter at my apartment in XXXX regarding a " Notice of Assignment to a Collection Agency '' of an amount owed to New Jersey XXXX-XXXX. 

1. I have never received even a first notice of a bill owed so assigning to a collection agency is an exaggeration.

2. The collection agency is collecting for a toll of " {$1.00} '' an amount due of " {$51.00} '', inclusive of a {$50.00} " Admin Fee ''. In addition to the above, they add on an additional " {$4.00} Convenience Fee '' 3. I have in effect left my residence in Florida late XXXX ( 2020 ) in pursuit of an opportunity in the northeast and only moved into a new residence on XX/XX/2020. 
4. All of my mail was forwarded and I've received and paid other bills and tolls as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: American Collections Enterprise, Inc.
State: MD
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:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER COL ENT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2018-03-13
Company: William D. Meeker Enterprises, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Experiencing massive amount of insurance, credit card, health insurance phone calls. I truly believe that my social security number was compromised and that someone tried to establish credit through fraudulent means.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
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:
Beginning XX/XX/XXXX, I entered into a re-payment plan with my mortgage company, Carrington Mortgage. I was having some trouble making the full payment amount. I contacted Carrington MS right away  and explain to them that I needed some extra time to come up with XX/XX/XXXX payment. After speaking to them i was put on a re-payment plan. The repayment plan allowed me to divide XX/XX/XXXX payment out over the next 3 months payments. Instead of paying the regular payment for XX/XX/XXXX I paid that as well as a additional {$570.00}. As the next month approached, I realized that I could not make the regular payment of {$1400.00} as well as the additional {$570.00}. I called CMS back and discussed what my options were, I knew I could not afford to pay that- though I dearly wanted to just put this all behind me. After speaking to CMS it was arranged that I would make a payment for XX/XX/XXXX for {$1400.00}, a payment for XX/XX/XXXX of {$2200.00}, and in XX/XX/XXXX for {$2000.00}, and would go back to my regular payment in XX/XX/XXXX. Which I did. After looking at my credit report at the beginning of XX/XX/XXXX I noticed that CMS had reported from XX/XX/XXXX-XX/XX/XXXX and was reflecting a 59 day late which plummeted my FICO score. I sent a certified letter and requested that they fix the error, my letter was received and CMS removed it from my credit reports. 

In XX/XX/XXXX my wife and I decided that we would take out a HELOC to make upgrades to our home and pay some debt off since the market was booming and home values were sky-rocketing. After having our credit checked it was made clear to us that Carrington MS had yet again made another mistake and had once again reported to the credit bureau a 30 day late for XX/XX/XXXX. I again sent them a certified letter ( that is the only way you are allowed to dispute ) asking them to remove their error. 

I received news today that they are denying my request to correct the mistake. I have all my bank details to show that there was not late payment in XX/XX/XXXX. The funds were drafted from my account on XX/XX/XXXX and on XX/XX/XXXX for a total payment amount of {$3000.00}. I have requested repeatedly to please send me a allocation of their payments with no avail. 

In the state of Georgia, from XX/XX/XXXX to XX/XX/XXXX all counties were considered disaster relief areas from hurricane Irma. I was assured by the customer service representative that I spoke to that it would not be an issue to correct the report due to the disaster relief area- if nothing else. I have been lied to and drug through the ringer with CMS. I have spent countless hours preparing letters and inquires to CMS. 

There has been no clear understanding with Carrington MS since day number one. I simply want the mistake corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
the following companies are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX XXXXXXXX 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 2019-02-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello, I called AmEx today XX/XX/2019 and asked to cancel an account. The account has a zero balance. After validating my identity and the account in question, the rep asked a series of personal questions about future spending habits and travel plans. I asked the rep to just close the account. The rep responded that she has a script she needs to follow and can not close unless I answer these questions. When I refused she said she could not close the account. I asked to be transferred to another rep but the same thing happened. She also refused to close the account unless I answered these personal questions. I then asked them to immediately close the account and hung up. 

There is an annual fee on the account that will be charged in a couple weeks so I want it closed now before that happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion previously responded to my identity theft complaint and violated my rights by not deleting the items that I have identified as items resulting from identity theft.

15 USC 1681 d-2, states that a consumer report excludes information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681 e, states that an investigative consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality.

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 2018-05-25
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I requested Total permanent discharge for a student loan. The loan is now XXXX I can not afford im on a fix income with social security administration. Texas higher education board denied my XXXX   discharge request because my loan was in default.my XXXXXXXX XXXX started in XX/XX/XXXX I was incoherent due to my mental illness about how to fight a student loan lawsuit and was mentally impaired.I was certified XXXX by the social security administration in XX/XX/XXXX. I was sued in XX/XX/XXXX.I am unable to engage in substantial gainful activity due to my XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: U.S. BANCORP
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:
Fraudulent credit card opened in my name

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