BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
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: Account status incorrect

Complaint:
I sent the dispute through the credit agencies. XXXX changed it but the others have not. XXXX XXXX private student loan was charged off. Then they forgave the entire amount sent me a 1099M for XXXX and I claimed it on my Taxes in XXXX of XXXX. 

Its still currently showing up on my credit report as charged off in 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 2018-11-26
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
A student loan was took out using my information. I have tried to get information from the creditor, however they can not validate this account Because its not under my SSN. I was deployed when this happened and the credit bureaus still have not updated my credit report. I have provided XXXX and XXXX  documents ( police report and FTC report ) to support my claim an they have yet to update my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
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: Account status incorrect

Complaint:
The account XXXX XXXX XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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: Old information reappears or never goes away

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX LA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: ALLIANCE FINANCIAL RESOURCES
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/20 Cease and desist letters to XXXX  and XXXX XXXX Loans Payment Plan XX/XX/20 XXXX XX/XX/20 XXXX XX/XX/20 XXXX XX/XX/20 XXXX Total amt paid XXXX XXXX XXXX also doing business as Alliance Financial XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX Promise was to modify 1st mtg and to totally alleviate the 2nd mtg. Was told not to make any payments during the process to either com. I was days away form sheriff sale and had to contact my attorney to file bankruptcy so I wouldn't lose my house. Now I am in a predicament that the 2nd mtg is so far behind I may not be able to save the house after all. 
XXXX aka Alliance let me to believe they could help me and did not. Total Scam. 
We got behind due to a tragic event in our family that jus continued to snowball and then I thought I was on the right track with these people and it turned into a disaster. 
I have all the emails and copies of checks that were sent to them. I was instructed to send the checks all at one time and they would deposit into their acct on the specified dates. I

Company response to consumer: Untimely response
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX I have disputed the educational loan XXXX  XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

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 2021-07-13
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Morning, I have a Goldman Sachs Apple Card. I used it to purchase an XXXX XXXX and watch back in XX/XX/XXXX. I was having user ability issues and during the peak of covid most apple stores were limited so I returned the items the same month of purchase, XXXX of XXXX. Install payments seized after I returned the products. In XXXX, XXXX i starter being charged install payments in the amount of {$11.00}. Once I noticed this amount was being charged for a returns item I immediately contacted Apple and Goldman Sachs. I have made many calls and get transferred multiple times. They have proof the items were returned. I made a duplicate payment in the month of XX/XX/XXXX and I should actually have a credit on my store account. They took the duplicate payment and applied it to XXXX XXXX for products returned. If this sounds all confusing to you I understand but the issue is they keep charging me. When I asked them to close out my card due to their own incompetence they read a disclaimer that I would be responsible for the total bill owed. I am not paying for installment payments for products returned. They keeps charging me monthly and while everyone is polite and kind when I call they continue to charge my account. I was told that my account would be frozen while they investigate the matter but instead I received a letter stating it Thuy are trying to collect a debt. They have failed to show my why I am being charged this amount and havent cleared this matter up. I have asked them to contact their tech support. They keep misappropriating my payments and I dont owe them money. They have failed to return my funds and I am thinking about contacting the media. I have never had a credit card fail to investigate fraudulent charges to an account and they have the nerve to send me a bill requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The Bank of America has been holding my check and XXXX transactions

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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been trying to get insurance on my vehicles for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

US DEP ED XXXX {$5700.00} XXXX  XXXX {$14000.00} XXXX XXXX   XXXX {$240.00} XXXX/XXXX  XXXX {$640.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$400.00} XXXX  XXXX {$130.00} XXXX  XXXX   XXXX {$160.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX  XXXX {$640.00} XXXX  XXXX {$170.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$640.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$19000.00}

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 2021-07-13
Company: CL Holdings LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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: Was not notified of investigation status or results

Complaint:
I sent a letter to TransUnion a few weeks ago and havent heard anything back as far as if there is an investigation started.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Diversified Consultants, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX for years. When I was given a no-cause eviction notice because they were selling the apartment complex I lived in, XXXX assured me they would not charge me the {$150.00} early termination fee. I started receiving bills trying to collect the {$150.00} as well as threats to send it to a collection agency. I called again and was told I need to speak with the billing office. I called billing and was assured they would correct their error and they would credit the {$150.00}. I explained I am trying to buy a home and can not have this affect my credit. They once again, assured me all is corrected on their end and I will not receive any more notices. Well, the next notice I received was a hit on my credit report from a collection agency on behalf of XXXX, for the {$150.00} early termination fee. I called yet again ( probably 15-20 phone calls in all ) and they again apologized and said they have credited the {$150.00}, but her supervisor will have to send an email to somebody to have it removed from my credit report. Absolutely crooked company I HATE XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: CarMax, Inc.
State: OR
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 have been disputing XXXX XXXX XXXX account in order to have it removed from my credit report as I feel based upon my research it is not reporting accurately or in compliance with FCRA or the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JNR Adjustment Company, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the year ~XXXX, I reported what I believe is an electric box ( which was already brittle and broken ) that is located in my property. I had three people trip on that box because of the carelessness of XXXX XXXX XXXX not taking the time to up keeping that box. So I took the initiative of reporting it to them so that they have it fixed. They hired a third party contractor to have it fixed. They sent me a bill to pay for it. Then XXXX started making phone calls in XXXX persistent that I am supposed to pay. I explained to them that I never asked to put that box on my property, thus shouldn't be required to pay for any of that. I pointed out that the lid of that box even says " XXXX ''. It doesn't say my name. Hence, reason enough for them to have to pay for it, not I. We had a very heated discussion over the phone. 
In about XXXX, XXXX, I reluctantly made a claim with my home insurance and was settled in about 3 weeks. In the latter of the year of XXXX to present, apparently XXXX had hired a debt collector : JNR. In spite of my claim being settled and me advising them that it has been so, they keep sending me correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions 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:
Hi. My name is XXXX XXXX and I have tried to several occasions to correct the fraudulent and incorrect accounts that Experian is reporting in my credit report. They refuse to report correctly, even when presented with proof. 

I have disputed these same items with the other major credit bureaus and they have deleted these accounts, but Experian just allows the creditors to say " verified '' without any documentation or proof. 

1. XXXX Account # XXXX Balance {$20000.00} Opened XX/XX/2017. There is a 7 year fraud alert on my credit report and this account is not mine and should be deleted. 

2. XXXX XXXX XXXX XXXX Account # XXXX is reporting 2 late payments on XX/XX/17 and XX/XX/17 and this is just incorrect. This account has never been paid late and is paid in full. 

XXXX XXXX XXXX  , XXXX Account XXXX XXXX is reporting 2 late payments on XX/XX/17 and XX/XX/17 and this is incorrect. I have never paid this account late. 

4. XXXX XXXX XXXX Account # XXXX The creditor agreed to remove this account and all late payments as it was sold to XXXX XXXX. However, Experian refuses to do that and just keeps saying " verified ''. 

5. XXXX XXXX  XXXX Account # XXXX is reporting a late payment on XX/XX/17 and this is incorrect. this account has not been late. 

I need these items corrected and updated immediately as it is preventing me from obtaining credit.

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 2021-07-13
Company: Commonwealth Financial Systems, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I served notice to Midwest Recovery requesting debt validation on XX/XX/2019. Due to the fact that they have not provided an updated address to the credit reporting agencies, the letter was forwarded multiple times but was ultimately received at their headquarters in XXXX XXXX, Missouri. 

In the meantime, I filed a complaint with CPFB ( XXXX ) stating the same ; that Midwest Recovery has failed to validate my debt. I also disputed this debt with the credit reporting agencies. Midwest Recovery answered the CPFB complaint and stated that they would seek verification from their client, XXXX XXXX, and mail me a validation of the debt. They have not done so. 

However, they HAVE answered the disputes that I filed with XXXX, the credit reporting agency, where they validate the debt and state that it complies with the FCRA. They last did this on XX/XX/2019. However, they have still failed to provide me with ANY documentation pertaining to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 disputed inaccurate, unverified and HIPAA VIOLATION account information on credit report on XX/XX/2021. It has been more than 30 days and XXXX, XXXX, and TransUnion hasn't removed inaccurate, unverified and HIPAA VIOLATION accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX  or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under XXXX XXXX XXXX XXXX for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.

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 2018-12-19
Company: Aura Mortgage Advisors LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im having issues about finding out about my 45 % of shared appreciation that I owe my bank even after 30 years paying off my mortgage. Back in 2013 when I couldnt get loan modification from my previous bank and I fall in foreclosure, XXXX XXXX XXXX offer to purchase my house at the market and sell it back to me for 20 % more, I assume that was that profit, I dont recall shared appreciation cost was discuss, its possible but dont remember as I was so desperate to stay in my home with my family. The interest rate is 6.375 %, it will never go down because they dont have refinance options and if u try to sale or refinance thats when u get charge shared appreciation fee and even after 30 years paying your mortgage off u still get charge shared appreciation on what your house it worth so which mean u paying a 30 years rent with no benefits. When I find out about it, they told me that I will get some credit for works that was done in the house then it was no credit, it just nonsense, taking advantage of people on their lowest is just wrong wrong. Hopefully u could help please because I really dont think is fair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TrueAccord Corp.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by an agency called True Accord, XXXX XXXX XXXX, XXXX XXXX, XXXX, KS about a debt. I sent them a certified letter on XX/XX/2020 telling them to cease and desist communication with me pursuant to the Fair Debt Act. It was send via USPS certified mail. Receipt number XXXX. 
Since their receipt date of my letter on XX/XX/XXXX they continue to contact me via email threatening to turn this over to an attorney.

Company response to consumer: Closed with explanation