BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
never heard anything now all the sudden I have 2 different collection companies for the same debt with no license in Texas to collect delete it now the statue of limitations is over my next step is sending this to my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I find it criminal how payments are handled. I graduated in XX/XX/2010and starting paying back the loans upon graduation as required. I have been using the Autopay system and often pay more than owed ( for example, paying {$140.00} instead of {$86.00} monthly ). My original loan was for {$7500.00}. According to my most recent statement, I have paid {$4200.00} towards my principal from the start date of my loan and {$3400.00} in interest since the start date of my loan. After fees ( {$13.00} XXXX for an unknown reason, I have now paid {$7700.00} yet I still currently owe {$4900.00}. Nelnet, along with other loan companies such as XXXX, have made it nearly impossible for me to survive. I find it unacceptable how payments are applied ( primarily to seemingly unending interest ) so that I will be paying on this loan for another 10+ years when I have already been paying faithfully every month for 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
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 fraud alerts or security freezes

Complaint:
While trying to refinance my mortgage I was told I had a freeze on my credit reports. I called XXXX and after about an hour had it lifted. I called Experian and after about an hour I had it lifted. I called XXXX and was told to go on line. First, I never requested a credit freeze and second they make it impossible to get help in a timely manner. 

I would like to get this freeze lifted so I can go about the business of refinancing my mortgage. Can you help me??? 

If they have so much power over consumers we should have the ability to fix problems quickly and without crawling through hoops.

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 2018-11-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This dispute is in regards to the account number ending in XXXX. The account is assigned to XXXX and XXXX XXXX. When we created the online account to setup automatic payments on XX/XX/2017, we spoke to the Toyota customer service representative about setting automatic payments. As the account was being setup, what was overlooked is the fact that the start date of the payment is different from cycle date. They setup the payment cycle system after the due date on the account and made my payment late. From there Toyota financial reported it to the credit bureaus. They reported a late payment and that affected my credit report and score. Im sending this letter so that your department can look into our inquiry and remove the late payment on our credit report. We appreciate the department looking into our concern. Please if there are any questions please contact us at XXXX or at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX TRANSUNION XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX TRANSUNION 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 2018-02-23
Company: CITIBANK, N.A.
State: MI
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:
On XX/XX/18, I tried to get a loan with my bank. A credit card with THD/CBNA showed up and says I am an authorized user. I do not know anything about this account. The Home Depot says they cant tell me whose account it is and they cant take me off the account. ( I have an account with Home Depot that has been paid perfectly. ). This account has been paid seriously late a couple times which has affected my credit. They owe {$1100.00} and the monthly payment is {$68.00}. The credit bureau couldnt help me and Home Depot wont help me. Please let me know what I should do. I am trying to buy a home and this is keeping me from getting a loan.

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 2017-11-06
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
I have disputed the XXXX XXXX tradeline on my credit files with TransUnion, XXXX  and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. TransUnion is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by XXXX XXXX. XXXX reports this account as " closed '' but like TransUnion, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, XXXX XXXX claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new BK status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in BK - XXXX XXXX claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that XXXX XXXX has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, 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 2020-08-30
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: Account status incorrect

Complaint:
i recently obtain copy of my credit report and noticed inquires i did not authorize

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 2020-08-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PennyMac is my loan servicer. Prior I had never had any contact ; my loan and auto payments were transferred to PennyMac. Upon needing a new purchase loan, I reached out to PennyMac to start the process and found terms to be good so begin submitting files and allowed a credit report. My business structures have some complexity to them and if you don't understand, items will be miss allocated and counted multiple times. They have always lead to multiple rounds of questions for clarity but never a problem. The agent I unfortunately had did not address any, did not return calls or emails. It took multiple calls to get a manager on the phone. Quickly and not surprisingly errors were found however he seemed somewhat uninterested in work through a more complex financial structure. We are in the process of further reviewing however based on the prior lack of care I don't expect too much more than prior - hopefully calls will at least be returned and critical time no longer wasted. I understand its a busy time and there are easier files but to work in such an industry with such reckless care and communication is troubling. As noted, critical time was wasted but not simply returning calls or emails ; at least to say that this is above their understanding and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted Transunion on 3 separate occasions via CERTIFIED MAIL, FAX AND MY FINAL ATTEMPT WAS by PHONE. They will not assist me with unknown inquiries on my report. I am requesting they remove these inquiries from my profile ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX : XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 Texas XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX   XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 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. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
MY FATHER DIED XX/XX/XXXX & MY MOTHER DIED IN XX/XX/XXXX ... LEAVING THE HOUSE AS AN INHERITANCE TO ME, THE MY MOTHER 'S ATTORNEY PUT THE HOUSE IN MY NAME & I LIVE THERE FOR 8 YEARS WITHOUT MAKING ONE SINGLE PAYMENT ... NO ONE TOLD ME THERE WAS A MORTGAGE ON THE HOUSE ; IN SPITE OF ME HAVING POWER OF ATTORNEY, EXECUTIVE OF ESTATE, OR LEGAL RIGHTS TO THE HOUSE & I NEVER RECIEVED ANY MAIL IN MY MOMS NAME & NEITHER MY NAME STATING WE OWED OR THERE WAS A PAYMENT ... WE HAD THE SAME PHONE NUMBER & ADDRESS & THE COMPANY WHO IS TRY TO TAKE OWNERSHIP OF MY HOUSE NEVER SENT US ANY KIND OF CORRESPONDING COMMUNICATION AS TO WHO THEY WERE CLAIMING THIS ANORMOUS BILL WAS OWE ... THE FINALLY, SENT ME A LETTER IN SOMEONE ELSE 'S NAME & CLAIMED IT MUST WAS AN ALIENS I WAS USING! THE LAWYER WAS IN ON THE SCAM WE BELIEVE WE WERE JIPPED OUT OF OUR MOTHERS HOUSE ... .THE NAME OF THE COMPANY IS OCWEN LOAN SERVICE & WE ARE IN DESPERATE NEED OF HELP TO FILE A CIVIL LAWSUIT TO GET OUR PROPERTY BACK..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 is showing that I had missed a payment in XX/XX/2017 when I had paid the company the total amount ( current balance is {$0.00} ). I tried calling and asked them to remove the information for which they said they wouldn't be able to do it.

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 2018-09-03
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
EARLY WARNING SERVICES IS NOT IN COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT! I SENT EWS A DISPUTE LETTER ON XX/XX/2018. REFLECTING ALL 3 NEGATIVE FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF. EWS RESPONDED TO ME STATING " THAT THE FOLLOWING ACCOUNT WAS VERIFIED '', BUT THEY HAVE NO PROOF OF THE ORIGINAL CONTRACT, OR 100 % ACCURACY FROM WHAT THE RULES AND REGULATIONS STATE WITHIN THE CONFINES OF THE FCRA LAW. YOU ARE NOT ALLOWED TO TARNISH MY NAME, REPORT INACCURATE INFORMATION, THE REPORTING OF THESE FRIVOLOUS OR FRAUDULENT ACCOUNTS IS AFFECTING MY CREDIT WORTHINESS AND I WILL TAKE FURTHER LITIGATION AGAINST THE COMPANY EWS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Diversified Consultants, Inc.
State: IL
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 used XXXX to investigate this account. It's showing open account and that I opened this account in XX/XX/2018. I did no such thing. I would like some proof that I have opened an account with Diversified Consultnts such as signature/payments made toward this account/social security number that I applied for credit with this company. The original delinquency date of this account must remain the same as it was with the original lender. This isn't being shown on my credit report at all. 


Diversified Consultnts XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My XXXX XXXX Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from XXXX XXXX for a Auto Loan of upwards of {$5000.00}. This is an error on the part of XXXX XXXX or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.

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 2017-11-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My bill with American Express was due on XXXX XXXX. The amount was XXXX. I pay my bills on time. I decided to pay XXXX, about 2 weeks before the due date bringing the bill down to XXXX. One week before the due date I received an email from American Express informing me that if I did not make a payment immediately the bank May suspend charging privelegs. This is not the first time I have received threats and harassment prior to the due date attempting to intimidate the cardholder to pay the bill prior to the due date, I called them and was very clear that the bill would be paid on the XXXX and not before because this is when I get paid and I have a budget. I also told them I have a mortgage but never receive intimidating emails threatening to cancel my mortgage if I dont pay it earlier than the due date. I have had my card fir 25 years with them. It is outrageous that XXXX contacts their customers with these threatening demands and they should be made to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On my XXXX XXXX Mortgage Statement, I had a charge of {$18.00} for taking photos of my home. I have never seen that, so I turned the statement over and it stated that photos are taken of your home is your home is in default. PROBLEM! MY HOME IS NOT IN DEFAULT NOR HAVE I EVER MISSED A PAYMENT. I looked into my account online and it was noted that the transactions of {$18.00} occurred twice. I never received a phone call or email from the company regarding the mistake, only the that someone from Bank of Texas has been in my account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: LA
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 have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
on XXXX XXXX i got a statement from American express for XXXX i call them and ask why they say is the annual fee so i tell them to cancel they offer me another credit card with no annual fee i accept it but they did n't told me the fee is not totally cover i still need to pay for XXXX until i got the monthly statement i found out i still owe it i call customer service to cancel the credit card they say ok ask them the account is clear the guy say yes but this month i got the another statement they say i still owe that amount i call them they say they never told me that.

Company response to consumer: Closed with explanation