BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

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 2018-01-18
Company: PHH Mortgage Services Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH is the servicing company for XXXX, which holds the mortgage.I tackled with PHH in XXXX 2017 about paying my property taxes early, due to the new tax laws. They advised me to do so and then send them separate receipts for each quarter  paid (I paid two quarters) via fax and then to follow up by phone two days later. They also advised that 10-days after my call they would be able to review my escrow account and return any overpayments to me.I followed the above procedures and asked for an escrow review. PHH advised me that two-days after my call they mistakingly sent payment to the XXXX XXXX XXXX for quarterly taxes and that I would have to wait for the money to be returned before they would review my escrow and return funds.The net is, they have asked me to fund their mistake and have been completely unresponsive, either not calling back for days or simply putting me off. I have gotten nowhere with them and would appreciate your intervention so that they immediately return the funds with interest credited from the day they removed them and, accordingly, review my escrow and return the overage.Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls virtually everyday.  Caller ID shows up as "XXXX" and they say they are the collection agency for "XXXX".

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
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 noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX   XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and use XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the credit reporting companies : Transunion and XXXX. I submitted a request for them to investigate and all they said was that it was accurate without any explanation. I have submitted a dispute to XXXX XXXX but have not heard from them. Please help!

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 2018-03-21
Company: Navient Solutions, LLC.
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:
Navient is reporting late payments on my credit report during a time that I was currently enrolled in school. It is impossible for payments to be late on a loan that was not currently due. I have disputed this issue with them several times and they will not remove the late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Not only does capital one show me as having my credit card for 13 months and I had it for half the amount of time, it shows late payments when I was placed on auto pay. I made a bulk payment as I often did and it was held and not applied. I contact several agents. This issue was never resolved. My money was held and account was closed. I received several adjustments for the mishap however was told they were unable to remove the late charges and I would have to contact the credit Bureau in efforts to have this late payment removed..I request to be removed from autopay and was still being drafted monthly on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Transunion and XXXX  are both reporting 60 late payments on my student loans which is not correct information. I contacted both student loan company 3 times and Transunion and XXXX  they have not taken care of the issue even after I submitted the notice I received back in XX/XX/2016 on my student loan forbearance. From XX/XX/2016 until XX/XX/2016 over 14 accounts are showing up late and it’s hurting my credit profile. I’ve called both customer service, disputed online, and sent letters to both Transunion and XXXX. Credit report still shows no update to this problem.

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 2019-09-18
Company: Navient Solutions, LLC.
State: TX
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:
This is a complaint against Navient-XXXX XXXX for malpractice in the full settlement of private student loan accounts. 

My name is XXXX XXXX XXXX, guarantor ( co-signer ) of the private student loan accounts of my daughter, XXXX XXXX XXXX which is being serviced by Navient. I have been paying these loans myself, being the guarantor, while my daughter is paying the federal student loans which she can only afford to pay by herself. 

On XX/XX/XXXX, I called Navient offering to pay the following XXXX XXXX XXXX XXXX student loan accounts : XXXX # XXXX ; XXXX # XXXX ; XXXX # XXXX ; and XXXX # XXXX. I was talking to a lady whose name I can not remember. However, I was advised that our conversation was being taped. The lady said that to settle all the private student loan accounts on this date, I need to pay the total amount of {$45000.00} by issuing a bank check which will be electronically transmitted and debited to my bank account immediately. I then issued my XXXX Bank check # XXXX for the indicated amount. ( Refer to Exhibit XXXX with an arrow pointing to the item ) After this settlement I was expecting from Navient an acknowledgement that all the student loan accounts of my daughter were fully paid. However, Navient was still sending a XXXX XXXX every month for XXXX Account ending XXXX showing balances but demanding no payment. ( Refer to Exhibit XXXX for the latest billing summary received ) On XX/XX/XXXX, I wrote Navient reminding them of the full payment of the student loan accounts and to release me from my guarantee. ( Refer to Exhibit XXXX ) On XX/XX/XXXX Navient replied in a letter ( Refer to Exhibit XXXX ) that Loan Accounts ending in XXXX, XXXX, and XXXX are closed and paid in full with a total amount of {$27000.00}. Navient also stated in the XXXX paragraph of this letter that, regarding Loan Account ending XXXX, they only received a payment of {$29.00} and not enough to pay the loan because there is still left a balance of {$68.00}. This statement is not true because the amount attributed to the payment of Loan ending XXXX would be {$17000.00} [ Check amount of {$45000.00} minus {$27000.00} ( full payment of the other XXXX XXXX XXXX XXXX loan accounts ) ] On XX/XX/XXXX, I wrote back to Navient refusing to pay any amount because the payment of {$45000.00} was agreed to fully pay all XXXX XXXX XXXX XXXX loan accounts. 
Navient should issue me a letter that Loan account ending XXXX has been paid in full, is closed, and I no longer have any financial responsibility to this account. 
The cashing of the check payment of {$45000.00} by Navient is an acceptance of the full settlement agreed by its representative. 

I will appreciate CFPBs intervention to this matter in my favor. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-15
Company: Pinnacle Credit Services, LLC
State: LA
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:
The debt owner is Pinnacle Credit Services L.L.C. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but Pinnacle just sends a new collector later. The last one closed their case and said they would inform Pinnacle after you contacted them Now Pinnacle is using XXXX XXXX XXXX in another attempt to collect on a debt they have been informed is no longer owed.
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Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: VA
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 was recently reviewing a copy of my credit report and discover it contains some errors pertaining to the following personal information. I'm requesting that you update and delete the address. I have never resided there. they may be possible relatives addresses but they are not mine. I have accounts that are reporting inaccurate and incomplete credit information on my credit report I am also unable to get my XXXX credit report. I have a current account with XXXX XXXX I do not hold them onto account however I have 2 negative accounts listed on XXXX XXXX which I do not owe. I will list my current bill with XXXX XXXX in the documents section below. I am also requesting my name and addresses telephone numbers be updated and removed and any other names and addresses and telephone numbers that do not belong to me. 
XXXX XXXX XXXX -UNKNOWN ACCOUNT Inaccurate addresses XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Not familiar who this company is and shouldnt be contacted me about a inaccurate information. 

15 U.S. Code 1692 - Congressional findings and declaration of purpose U.S. Code Notes State Regulations prev | next ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

( Pub. L. 90321, title VIII, 802, as added Pub. L. 95109, XX/XX/XXXX, 91 Stat. 874. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Southwest Recovery Services, 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: Account information incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : SOUTHWEST RECOVERY SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had a fraud protection alert with Equifax for the past ~8 years, paid for by the province of XXXX due to an OSAP information leak. In early XX/XX/XXXX, I applied for a cell phone with XXXX XXXX and they were unable to access my credit file. I have called equifax and they initially said XXXX could not access the file - I would have to purchase a credit report and send it to them. After an hour of arguing, they agreed that XXXX could see the report if they provided my basic information ( name, DOB, address, etc. ). XXXX has tried twice more and can not access my file.

Ive now requested the fraud alert to be removed from my file, a process involving writing a letter, photocopys of identification, and faxing to equifax. Theyve now responded that my address was illegible, however the letter was written in XXXX XXXX so that can not be true. They also claim I didnt include copies of identification, which I have and can prove.

It seems equifax is trying to 1. Continue charging the province for fraud monitoring that I no longer want ; 2. Charge me to access my credit file every time I need a creditor to see it.

I have called to rectify multiple times and not once was I allowed to speak with a second line representative ( manager of some kind ).

Thank you for your help with this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Colony Brands, 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:
XXXX did not fully investigate nor provide and factual acknowledgement of proof of accurate details, they did not send me any physical proofs that I signed anything on a XXXX XXXX account, I never had nor purchased, nor signed for any product ... absolute fraud, and they are suppressing my credit score causing me financial stress due to it ... XXXX XXXX has been removed by XXXX XXXX, and XXXXand my XXXX score is XXXX and XXXX reflectively, XXXX  who never answers their phones, a violation under federal code ... has my score at XXXX when I have never missed a legitimate payment of mine ... always on time ..they also are holding a fraudulent account, XXXX XXXX  in my file, which is completely erroneous, as well as a company or bank name XXXX XXXX XXXX. who I did not purchase a XXXX thing from ... complete fraud ... Ive filled out fraud packets for all of them in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from Experian after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XX/XX/XXXX : 1. XXXX XXXX XXXX XXXX  account was reaffirmed in the Chapter XXXX Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XX/XX/XXXX, there were pre-petition payment ( s ) dating back to XX/XX/XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XX/XX/XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely.

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX  was discharged in the Chapter XXXX Bankruptcy in XX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the Experian dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XX/XX/XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.

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 2018-01-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I recently done a dispute with the 3 major CRA and at the end there were so teams proven to be inaccurate reporting and was removed from my XXXX report. Im having problems with Experian and XXXX getting the items removed I would like for the items to be deleted from the two CRA ASAP as the information is not correct. Ive also asked for documentation with my signature and nothing has been given to me please see documentation attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Back XX/XX/2020 I filed disputes with the bureaus.Two months later and still nothing from or any change on my credit report. Why is this taking so long? Are all three close because of Covid that the only thing I can think of for them not doing their job.I would like matter resolve soon

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
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: Was not notified of investigation status or results

Complaint:
Back XX/XX/2020 I filed disputes with the bureaus.Two months later and still nothing from or any change on my credit report. Why is this taking so long? Are all three close because of Covid that the only thing I can think of for them not doing their job.I would like matter resolve soon

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 2018-01-18
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Doing the hurricane season, Florida was decaled a disaster area, I applied for a three month forbearance with US Bank and they told if after the three months, if I could n't pay it back, their would work with me on it, Well a few days after it was due, they put me in the credit burial and when I call them, their would say that they are working on the modification that I applied for and that the underwriters are working on it. I told me nothing would happen to my credit and it need.

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