BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
Company: ZIONS BANCORPORATION
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX I purchased a second vehicle so my husband and I could have our own vehicles. In XX/XX/XXXX we got a divorce and I ended up with both vehicles and could not afford both payments so I did a voluntary repossession. In XX/XX/XXXX the company filed a judgement against me for an amount they say I owed, which is about XXXX more than the vehicle loan was for. I was not in a financial place at the time to pay off this balance. I did not hear from them again until XX/XX/XXXX at which time I made payment arrangements with them. I asked several times for them to provide me with a break down of the amounts owed, what the car was sold for, a balance after my payments were received. They could not provide this information to me. I made timely payments, and then I did not hear from them again and the payment was not taken out of my checking account. At this time the judgement was also removed from my credit report. As a consumer I assumed the company wrote the debt off. Today XX/XX/XXXX my employer called me and said they received a notice from them saying to garnish my paycheck. I again have not heard from them and have not received any mail notification before they contacted my employer.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX  Dear Sir/Madam, Subject : Dispute of Inaccuracies in Credit Report Pursuant to FCRA 15 U.S. Code 1681 ( b ) ( 2 ) I am writing to bring to your attention a matter of significant concern regarding inaccuracies present in my credit report, even after providing evidence to credit bureau agencies . Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681 ( b ) ( 2 ), I have taken appropriate steps to rectify these errors, yet they persist.

Despite submitting evidence to the credit bureau agencies, the following inaccuracies continue to be reflected in my credit profile : Inaccurate Addresses : XXXX XXXX XXXX XXXX Inaccurate Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The sole accurate and correct information pertaining to my address and name is : XXXX XXXX XXXX XXXX  These inaccuracies are not only damaging my credit profile but also could potentially impact my financial standing and credibility. Despite submitting supporting proof to the credit bureau agencies, the incorrect data remains, which is a direct violation of FCRA guidelines. 

I respectfully request the Consumer Financial Protection Bureau to conduct a thorough investigation into these persisting inaccuracies in my credit report and take the necessary steps to ensure their immediate rectification in accordance with the FCRA guidelines. 

Enclosed, please find copies of the evidence previously submitted to the credit bureau agencies for your reference and review.

I kindly request your prompt attention and resolution to this matter and seek confirmation of any actions taken within the stipulated timeframe mandated by FCRA. 

Thank you for your immediate attention to this matter. Please do not hesitate to contact me at if further clarification or information is required. 

SincerelyXXXX XXXX Enclosures : Copies of previously submitted evidence to credit bureau agencies Please ensure to enclose copies of any proof or documentation you submitted to the credit bureau agencies, highlighting the discrepancies for the CFPB 's review.

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 2018-01-13
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-09-25
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had my credit reports pulled by my realtor and was told I had some medical debts that needed to be taken care of. My family and I have lots of great medical coverage and have never received any bills. I began to dig into the accounts and the company CMRE has never been able to link the debt to either me or my husband. Please help me get this resolved so we can purchase a home for our family. This mishap has caused lots of undue stress and discomfort for my entire family. Where we live is no longer safe and we must get out daughters  into a safer neighborhood. This has been more stressful than necessary as we have no outstanding medical bills at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: KY
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 recently filed a complaint for a company by the name  XXXX XXXX XXXX XXXX XXXX . 
A XXXX XXXX Company XXXX XXXX XXXX XXXX # XXXX, XXXX, KY XXXX ( XXXX ) XXXX Fax ( XXXX ) XXXX Phone I have been contacted by this company and NO LONGER WISH TO FILE THIS COMPLAINT THIS MATTER HAS BEEN RESOLVED. 
Please remove the complaint Thank You XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
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: Their investigation did not fix an error on your report

Complaint:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let the payments lapse on this account with XXXX XXXX ( XXXX XXXX XXXX ) but when I was able I paid the account off in full. Which was this year XX/XX/2019. I paid a total of XXXX for them to update this account to reflect positively for me and nothing has happened. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The XXXX XXXX ( XXXX XXXX XXXX ) account has been paid in full, I would like them to update the payment history or just remove the account please so my score can increase and I can move forward with helping my family properly. I will attach the paid in full receipt letter that XXXX XXXX ( XXXX XXXX XXXX ) sent me to this complaint. It's paid so please help me out and update the history of this account so I can better our future.

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 called XXXX and TransUnion after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to XXXX and TransUnion on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 

XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$3100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: Delta Management Associates, Inc.
State: HI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In XX/XX/XXXX I received a letter from Delta Management threatening to proceed with wage garnishment. I was asked to submit documents regarding my dispute. I sent this document immediately back to them, although they purposely sent it to me days before the deadline. I never received anything in writing regarding the outcome of my dispute.

In XX/XX/XXXX I received another let from Delta Management regarding the debt. The information that they sent to me by them regarding this debt is dated in the years XXXX, XXXX, XXXX, and XXXX. I believe that this loan was brought several times by different debt collection agencies over the years and after reviewing these documents, I know they are fraudulent. There is no school signature on the documents. They also claimed I made a payment on the debt in XXXX  ; I lived out of the country and never paid anything towards the debt. My income tax return has been taken from me year after year and I have not been able to get this off of my credit. 

I have tried several times over the years to have this removed with no luck. I will be seeking an attorney if this is not resolved after this attempt.

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hope this finds you well. My names XXXX XXXX, when I look on my credit report I see inaccuracies from the reporting of this card. One bureau says it's late one month, another says a different month. I've never noticed this with any other cards. I look forward to hearing back. I'll be attaching my credit report with the account #

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 2020-01-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My assumption process started way back in XXXX on the XXXX, XXXX. I am still waiting! I have made numerous calls and emails to company regarding this. I submitted all they asked for twice by email and once by fax. I received a letter dated XXXX XXXX saying they were denying my application for the following reason, Credit application incomplete they sent me a refund check for XXXX and said processing fee they were keeping of XXXX . I have NOT cashed check. Spoke to XXXX XX/XX/XXXX who said the processor could not give a straight answer as to why it was denied and would send to underwriting and would have them contact me. Called AGAIN XX/XX/XXXX Per XXXX it is on a first come first served basis! Called AGAIN XX/XX/XXXX Per XXXX should have had a status update by XXXX but the loan dept not open that day. Called AGAIN XX/XX/XXXX XXXX said to send her all the documents again that I sent over and she will personally handle it. CRICKETS!!!!! XX/XX/XXXX CALLED AGAIN Spoke to XXXX who said he will take hold of it and contact underwriting and corporate office. XXXX XXXX!!!! 
I am out XXXX $ FOR THIS???? I need to assume this mortgage for divorce reasons. I have been paying this mortgage for 2 years on my own already!! 
I NEED ANSWERS

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to follow up on my previous complaints regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: WI
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:
Attached is all my files and dispute I have sent to Experian they have constantly and consistently violated federal law I have not received any notice in regards to my investigation and have not received no information to substantiate any information on my report this is very frustrating I have not been able to get my home a affordable car and this has cause emotional distress for me and my family

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 2023-10-13
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
We have applied for an income driven repayment plan several times through the student aid federal website and Mohela 's website and it has given us a monthly payment of less than {$300.00} a month considering our dependents and my husband 's student loan amount. However, Mohela is continuing to make me pay over {$1000.00} a month and will not verify the information that we have provided. Mohela is not considering the large amount of my husband 's student loans and the multiple times we have reapplied with proof of our situation. We have spoken to representatives and they also agree that my payments should be much lower but it has not been updated nor changed at all. We think it is only fair to pay the amount according to the income driven repayment plan calculations that comes out when inputting our information manually on the studentaid.gov website and Mohela 's website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
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 2020-01-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went into my Carrington online account and increased my payment to pay off debt quicker. 
From that page, I increased my payment, saved it, and moved on. 

Then I missed a mortgage payment that was unknown to me. Please understand I have the money in the account. It was never short on money. I have been on auto pay with this mortgage since XXXX and never a missed payment, and I don't believe any have been late. 

I got a notice in the mail that I needed to contact Carrington mortgage because of this missed payment. I called them on XX/XX/XXXX. I talked to several people and they could not help me. They had reported me to the credit bureau on XX/XX/XXXX they said. Nothing they could do. This was the only mailing I got. No phone message or anything else. When I called them, I asked them if they called me. They said their records show they did. And their records were detailed enough to show them that they did not leave a message ( just as I said ). I asked why they did not leave a message on something so important and he could not give me an answer. 
After XX/XX/XXXX I received more mailing but it was too late to save my credit score. It dropped from XXXX to XXXX. I know that is still good, but this is so upsetting. I have been really trying to break 800. 

***I will attach a letter with more details. Please help me to contact this company and remove this from my credit report. I should have received several mailings and also received several calls and messages. Never a voicemail. That is shocking! 

***also, there is no other comment section, so I will add this here. You asked what type of mortgage it was. I checked Conventional. I actually believe it is a VA XXXX loan. But your section asked if it was a VA loan ( active duty or Veteran ) and I don't think it is the same. But I am not a veteran. I bought this property as a  foreclosure. I wanted to clarify so that you understood why I marked conventional. I did not want the system to start asking me questions about my documentation as being in the service, because I am not. 

Thank you in advance for your help.. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2021 XXXX XXXX  and apartment during Covid. credit took a Major hit and most of cards were charged off.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please correct and update this as soon as possible.

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 2018-04-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
For the first time since the age of XXXX, I have found myself without a job. As I am now in the middle of a wrongful termination suit that has gained the attention of many LGBT organizations, I am doing my best to maintain my bills and keep a roof over my head. I have remained communicative with One Main Financial regarding the status of my fianancial situation and they have been more than accomodating. However, today, I received a threatening phone call from the gentleman that originally set me up with my loan. He got extremely defensive and LOUD!!!! To the point he was yelling and would not allow me to state my case. I told him that I am currently without income and have XXXX cents to my name. At this point, he stated, " do you not remember the contract? Whaty are you going to do? You said you would make a payment every 30 days? What are you going to do? '' I told him that I have no clue what I am going to do as I am personally at a loss at this point. He stated that he will just continue to call me every single day until I make a payment. '' I stated that I will file a claim for harassment if he wants to continue with the threatening tone and continually berate me to the point I am feeling scared for my safety because he has my address. He then states that I need to get up and get a job and take care of my business like someone responsible. He told me that I can file a claim against him for harassment, but I can't do anything because I signed a contract. At the point of tears I did say " well listen sweet heart! '' This really set him off. He starts yelling even louder to the point he finally just hangs up on me. I am still shaken by this conversation and feel thereatened and afraid for my safety.

Company response to consumer: Closed with explanation