BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion has been reporting inaccurate information on my credit report, accounts by XXXX XXXX XXXX and XXXX  XXXX  are reporting open still, the CFPB had investigated these accounts and they were closed due to inaccurate information.

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 2022-03-29
Company: EQUIFAX, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did an investigation to my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureau does not have any input about the debt and discrepancies on the listed details of the account. 




XXXX XXXX XXXXXXXX / XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions 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:
XXXX has sent a 1099-C which was reported on my tax return. The debt was cancelled and it's still be reported every month as negative. I have asked for an investigation and they come back as verified as accurate. Obviously, it's not accurate.

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 2018-04-16
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
my personal information was used to obtain student loans and I had no knowlege my personal information was lost before however I did know until last year that some one had been using my identity and its been crazy trying to prove im who I say I am ever since I need help getting these accounts removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: SN SERVICING CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SN Servicing Loan No. XXXX My name is XXXX XXXX. 

From XXXX to XXXX, my mother, XXXX XXXX, tried desperately to stop the foreclosure process on her home with SN 's prior mortgage company and was repeatedly lied to and was told the application documentation had been lost, misplaced or never received even though it had. Eventually she realized her efforts were futile, became XXXX XXXX from her experience with XXXX XXXX and XXXX XXXX   from a XXXX. She was rushed to XXXX XXXX Hospital diagnosed with XXXX, and died alone in her hospital bed at the age of XXXX with no one by her side. Her last wish, hospital staff told me later, was to save her home for her children and grand children so they would have a place to live when she died. 
After my mother died, all my brothers and sisters were grief stricken and left Massachusetts for other states to live with relatives to try to forget what XXXX XXXX had done to our mother. I was left as the successor representative to her estate, with her house now in foreclosure with SN Servicing. I informed SN Servicing that I would assume the mortgage and submitted my loan modification application with all required documentation to SN in XX/XX/XXXX. 
Despite having received my application three months ago, SN Servicing scheduled a foreclosure sale on my home and is now refusing to give me any updates on the status of my loan modification application or to reduce to the loan to its XXXX fair market value. They are stonewalling me the same way XXXX XXXX did with my mother for five years before she died, and has now scheduled a foreclosure on my house on XX/XX/XXXX. 
Please contact SN Servicing and help me get my loan modification application approved under the XXXX " Pick-a-Pay '' settlement agreement and have SN reduce the loan to {$200000.00} from its current balance of {$420000.00} as it was required to do in XXXX. I only have two weeks before the foreclosure auction. I want desperately to save my mothers home so that her grandchild, my son, can have a place to call home when he grows up. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX SN Servicing Loan No. 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 2018-03-05
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. XXXX ( XXXX XXXX ) - XXXX  will not list that this will affect your credit score, nor did I apply for XXXX XXXX. They've not provided information on what this was for and I would like this removed as well. 

3. XXXX XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XX/XX/XXXX, but I did not apply for any to pull credit information from my account. 

4. US Bank. ( XX/XX/XXXX ) - I had a secured card from U.S Bank,  therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my 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 2021-04-12
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:
This XXXX account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from New Jersey XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.

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 2020-01-20
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX our mortgages were transferred to Nationstar from XXXX XXXX XXXX. Our first mortgage was transferred during trial modification. Our second mortgage was transferred several months later. Our first mortgage is current and still serviced by Nationstar/ Mr Cooper . Our second mortgage has been charged off by Nationstar/ Mr Cooper and XXXX is currently attempting to collect the debt. 
We have written to Nationstar to have them explain the multiple fees added on to our account that we do not understand or that just have no explanation. Our mortgages have gone from {$88000.00} and {$22000.00} in XXXX to {$110000.00} and {$27000.00} today. After 13 years we now owe {$26000.00} more than we started with.Nothing that we have paid in 13 years has decreased our mortgage. We have never refinanced or taken loans against the property. The increase has been through fees during modification and foreclosure. We have sent a QWR to Mr Cooper. We were sent a basic print off without any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
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 information incorrect

Complaint:
I have contacted XXXX XXXX two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XXXX XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.

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 2021-03-31
Company: Experian Information Solutions Inc.
State: OH
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:
So I have mailed in the same inquiry dispute over 15 times. I finally called Experian & & after being transferred 4 times I finally each someone. I spoke to the rep who said they did not process none of my disputes I sent in because I said they were " erroneous ''. Erroneous means " wrong '' which they were, but besides them being erroneous I also mentioned in my letter and I quote, " Upon reviewing my credit report, there has been an erroneous amount of inquires madewithout my consent. These inquiries below were made without my knowledge or consent and Iwould like to be provided proof that consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately ''. - End quote. I mentioned the inquires were not consented by me which clearly states I did not create the inquires. Proper wording on my part, but that's not the kicker. The rep then presedes to imply or assume I made the inquries which is not his job. I have attached the FCRA laws involving the dispute process since no one knows what the law states anymore.

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 2021-03-31
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: Account status incorrect

Complaint:
I have tried to resolve with the XXXX XXXX  XXXX. I have tried to contact and sent email to them multiple times, they have not responded or put any effort to help with resolve the issue. They are reporting that i was late on my payments however that was never the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very upset there are two accounts on my credit report and 3 inquiries that do not belong to me I need these off my credit this is clearly identity theft and nothing is being done buy the bureaus regarding this after sending multiple letters to them. 

XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX  XXXX/XXXX  - XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX 2019

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 2019-01-29
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Barclays Bank Delaware put a fraudulent inquiry on my credit XX/XX/2018

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 2021-08-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was pre-approved, signed documents, and picked up a payment voucher for an interest rate of XXXX for 60 months with Navy Federal Credit Union for a new automotive purchase up to {$35000.00}. The pre-approval did not specifically state it had to be a car. After I purchased the motorcycle, I got the finalized loan documents stating my interest rate now jumped from 2.69 % to 8.90 % for a loan amount of {$27000.00} and my monthly payment jumped from a little over {$400.00} a month to {$580.00} even though my documents show 2.69 % and I did not agree to or sign any paperwork for 8.90 %. 

I called Navy Federal and they stated since I bought a motorcycle and not a car the 8.90 % was the best they could give me. Now I am stuck with a loan at a higher percentage with a monthly amount that I can't afford and I can not return the motorcycle to the dealership. This puts me in financial hardship that I did not create myself. 

This is very misleading and fraudulent behavior from the credit union to provide you approval and have you sign documents agreeing to a lower percentage then later having you involuntarily commit to paying a significantly higher interest rate for their profit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I have a capital One credit card. Ive had this credit card line over 10 years. I recently had a late payment 0f {$25.00} on XX/XX/XXXX. I then paid {$240.00} on XX/XX/2020. at the time I was sick due to my XXXX and not working as much as I needed to, so I didn't have the minimum balance to pay on the credit card. this was also the beginning of the COVID-19 pandemic. I work for a majorXX/XX/XXXX and my hours had been drastically reduced along with me having to be off sick most days. once I received a check I put a significant amount on the credit card 4 days later. prior to that I had not been late in a long period of time.Ive contacted capital one on three different occasions asking for this late payment removed as a courtesy. I waited on hold two hours each time. The first agent told me it was not possible for them to remove the item ; which is not true. The next agent didn't even bother to assist me and was very rude.The third agent says she tried but the system would not allow her to remove it and she didn't know why. I no longer know what to do or who to speak with to resolve this. To show good faith I had the third agent put my account on auto pay to prevent a late payment from happening in the future. Even after doing that I was still left with the late payment on my account. I am a single mom trying to purchase my first home for me and my child, im working hard to settle my debts and get my credit in order. I am desperately asking for some assistance in doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: AL
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:
On XXXX XXXX i sent all 3 credit bureaus certified mail disputes of inaccurate things on my credit report and i have not received anything yet over 45 days now. my understanding if a investigation take more than 30 days all inaccurate information must be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Summit Financial Corp.
State: KS
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:
Summit Financial never helped us recover this account at all. The customer service representatives we're very rude and always lied. I contacted the company through email multiply times to resolve my issues and even when the car was totaled what steps did I need to take next and still no answer. On my credit report they have it as a charge off and that is untrue. Summit Financial needs to fix my records or delete the record and its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: CarMax, 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: Problem with personal statement of dispute

Complaint:
This inquiry was made on XX/XX/2018 when trying to purchase a vehicle at Carmax-XXXX. I wrote a letter asking to have the inquiry removed because no loan was secured and no purchase was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After having made all of my payments on time for a debt that was originally not even mine due to an error at a hotel I stayed at, Midland Credit Management decided to file my account for collections multiple times according to XXXX. 

On XX/XX/2021, I had called the XXXX XXXX Law Firm to explain to them that I am currently in a XXXX XXXX  to be XXXX XXXX XXXX XXXX and XXXX XXXX and therefore asked to pause my payments. I was told there was nothing that could be done when I felt it was reasonable. I also was treated rather rudely and made to believe it was my fault to be XXXX and unemployed. 

After the call, I sent an e-mail to the lawyer in charge of the collection, XXXX XXXX He never responded to my e-mail to ask for further documentation when all I wanted was a pause for payment so I could resume once my income returned. 

This was highly unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2019-01-29
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is illegally reporting on my credit that i owe on a debt that i do not owe. The property management company they are claiming i owe money are all currently in jail for Fraud and for illegally charging fees. My dad and i were one of those victims. My dad filed a complaint with the State Attorneys office about this Exact account. Magically the debt WE DO NOT OWE was removed from all his credit reports. It was also removed from 2 of mine. But they are still reporting on XXXX  credit bureau that i still owe this debt and i do NOT.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2018, I had apply with a loan with XXXX XXXX through a mail advertisement of being preapproved for up to {$4000.00} on an installment loan. I applied on their website at XXXX and was approved for {$850.00} credit limit with a 360.00 % interest rate. I had every intention to pay this loan in full within 28 days because I did not want to pay on this high interest loan. I was dealing with a hardship after being out of work and receiving treatments for a XXXX  XXXX. Due to this hardship there were a number of occasions where I had to change the due date for a later date. To date XXXX XXXX debited my account {$790.00}. XXXX XXXX increase my credit limit with an additional {$150.00} which I have no intention of using and I still have a balance due of {$790.00}. If I was able to pay off this balance today the amount that XXXX XXXX would receive from me is {$1500.00} for a {$850.00} loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation