BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming me

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 2020-12-04
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I called Transworld Systems INC to settle an account for XX/XX/XXXXThe total amount was {$600.00}, however I stated that I wanted to pay for deletion. Mrs. XXXX offered to settle the account in the amount of {$480.00}. Before making the payment I again stated to confirm that the payment of {$480.00} will be paid and the account for XXXX XXXX will be deleted off my credit report. I was told that once the payment is made and its registered in the system as paid then they will contact the credit bureau in which the account is under to inform them the account was setteled in the amount of {$480.00} and to delete the account from my credit report. The account is still on my credit report. I was told that the account would be deleted and its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise credit service places a collection on my credit report for the amount of {$270.00} XX/XX/2017. I do not have a contract with Sunrise credit services and would like this to be removed immediately.

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 2018-02-01
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear CFPB, In XX/XX/2010, I received a supplemental loan modification document from XXXX dated XX/XX/2010. XXXX has since went out of business leaving my loan in the hands of Specialized Loan Servicing. I have tried tirelessly on numerous occasions to resolve this matter with SLS. I have spoken with SLS Senior Counsel, XXXX XXXX who has treated me both unfair and in a very discriminatory manner. XXXX XXXX has belittled me and have hung up on me whenever I try to understand WHY SLS is not honoring the Supplemental Modification Document from XXXX. SLS continuous demand for collection of the incorrect amount is forcing me into a financial crisis. Please see the Supplemental Modification Document attached. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
To summarize, housed burned down in XX/XX/2020. Reported it to the mortgage and insurance. They eventually sent me a check for {$140000.00} which was made out to both me and my mortgage company. I was told to endorse it and send it to their bank, which I did. They were suppose to pay off my mortgage and return the difference ( about 1/2 ) to me, but they never returned my half. An attorney told me to do it that way, because the ins. co. said that I don't get anything if I don't restore to the full value, but they were not giving me enough to rebuild as they wanted. I had previously tried to get Ca Dept. of Ins. to help and they referred me to a Ca agency, each taking paper work and time. The Ca agency said they could not help, and the ins. dept. then referred me to Office of the Comptroller of the Currency. OCC said my " complaint is against an entity that does not fall under the jurisdiction ... '' and they referred me to you. Today, I got a notice from the Sheriff to clean up the burned house, but I need money to do it. I thought the OCC would help and so I sent them a lot of papers that I hope they will forward to you, because I am old and tired and sent them originals. Also, the letter from OCC is made out to me and to " XXXX XXXX '' that is my middle and maiden name. Not a different person. Please help me end this night mare. I paid XXXX XXXX  XXXX. for 16 years for nothing. I so hope you are the end of the line, and can do something. Just tell me what else you want and I will get it done. I do have XXXX, and so only have about 1/2 a day each day. Took extra meds just to get this to you. Always tired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: PNC Bank N.A.
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:
XXXX XXXX XXXX XXXX XXXX MAILED A PAYOFF TO PNC BANK FOR MY AUTO LOAN {$24000.00} & PNC RECVD THE CASHIERS CHECK ON XXXX XXXX & CASHED THE CASHIERS CHECK as of XXXX XXXX & PNC STATED TO ME OVER THE PHONE THAT PNC RCVD THE CASHIERS CHECK XXXX XXXX & DID NOT CASH THE CASHIERS CHECK & SAID PNC RETURNED THE CASHIERS CHECK TO XXXX XXXX XXXX UNCASHED, HOWEVER XXXX XXXX XXXX HAS A COPY OF THE CASHED CASHIERS CHECK WHICH XXXX XXXX XXXX SUBMITTED TO ME AS PROOF OF CASHIERS CHECK CASHED BY PNC BANK/I HAVE FILED A PETITION XXXX COUNTY CLERK OF COURT, XXXX COUNTY FL CIVIL CASE AGAINST PNC BANK FOR FRAUDULENT BILLING PRACTICE AGAINST ME THE PLAINTIFF XXXX XXXX XXXX CASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days I haven't heard anything from the credit bureaus. I did my research and it's against FCRA to have inaccurate information being reported. Also Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Please help me, this is messing with my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: NC
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:
1.XXXX XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
2.XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
3.XXXX XXXX  XXXX XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
4.XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
5.XXXX  # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written 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 non-monetary relief
Consumer complaint received 2018-06-20
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX had placed a collection account on my credit report on XX/XX/XXXX for XXXX I paid a contract off with them and closed my account someone who used to be in my household set up a new account or fraudulently opened my old ones back up but I have never authorized or signed for a new contract with XXXX. This needs to be removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CHALLENGE FINANCIAL SERVICES
State: CA
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:
The company name is challenge financial services my car was towed and I called the financial services so they would take the car out I didnt have money to pay back so thy took the car I didnt have the car then they wanted me to pay back a balance of {$2500.00} I was not making enough money to pay back so I didnt pay it back this was back XX/XX/2008 and now Im on XXXX and they are going to garnished my XXXX check and I can not afford to pay my bills and now is worse with the garnished of my check

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: NCB Management Services Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB Management services is a company trying to collect on a debt that does not belong to me. The amount they are trying to collect is {$5600.00} dollars. I have asked for information to be provided to me to verify this debt. Under the Fair Debt Collection Practices Act I have the right to request validation of this debt. I request VALIDATION made pursuant to 15 USC 1692g Sec. 809 b of the FDCPA. This company is not licensed to collect a debt in Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX and XXXX XXXX had several accounts, including an individual for XXXX and 1 joint with XXXX and XXXX, at TD Bank. They were opened at XXXX XXXX XXXX in XXXX  XXXX, NY XXXX. The manager who is aware of the below is XXXX, XXXX. 

On or about XX/XX/2020, XXXX XXXX received notice that his checking account " was hacked '' and that it was closed. No further info was provided. ( All properly written checks were bounced, incurring fees. ) XXXX was instructed to come into the branch and open a new account, which he did. 

Within a week, on or about XX/XX/2020, XXXX XXXX received written notice that the new account, not 7 days old, had funds withdrawn on it in a TD branch XXXX XXXX, Florida. A person, using XXXX XXXX NEW bank account number and SSN, deposited a bad check for {$3000.00} one day, and the next morning withdrew {$2200.00} using a teller check with the new acct numbers and XXXX XXXX SSN. Despite the signature not looking anything like XXXX XXXX ( as noted by XXXX, bank manager in New York ), the funds were paid. That account was closed, and properly written checks were bounced, incurring fees. A 3rd account was opened, this time being password protected. The account has since been charged a low balance fee. 

On XX/XX/2020, XXXX XXXX receives a call at home in New York that another TD account that she never uses, but on which she is joint with XXXX and is used to pay a mortgage, was attempted to be drawn on at a TD branch in XXXX XXXX, Florida. The caller was XXXX, XXXX, the manager. Her teller had recognized the NYS ID presented as fake and not paid. Again, the perpetrator had the bank account number and XXXX XXXX   SSN, in addition to fake ID. XXXX would not provide a copy of the fake ID. She claimed she would be calling the police. XXXX followed up with XXXX to get a copy of the ID and have him get the facts from XXXX, to see how the investigation from the XX/XX/XXXX fraud was proceeding, and to ask when the {$2200.00} would be re-deposited. XXXX advised that an investigator had not even been appointed, two weeks after the SECOND fraud, as " it was only a week and a half ago '' that he filed his paperwork.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23
Company: SYNCHRONY FINANCIAL
State: NJ
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:
I was in the website of Amazon searching for a XXXX XXXX I need it for my vehicle I was told I would find it and half price which I did but at the top of the page it was saying that the plant would come out free to me and no cost if I applied for the store card of Amazon to check if I would get pre-approved that it would not hurt my credit and so I did that's exactly what I did and next thing I know they pulled a hard inquiry on me, and I feel like I was tricked because if they said it would not affect my credit to check if I would be pre-approved next I know that's not what they said otherwise I would have not done it I'm pretty much sure they have done it to other people as well the same way they did to me but people in x don't have the time nor the mine too dig into it and submit a dispute like I'm doing right now and I feel upset and I'm pretty much sure the same way they did it to me they have done it to other people people just don't say nothing and keep it moving but not me I'm going to bring it to your attention.

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 2018-07-31
Company: EQUIFAX, 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:
On XX/XX/2018 I recieved a notification via XXXX that a collection account had been added to my credit report, for the amount of :XXXX $ to XXXX XXXX XXXX XXXX. The original creditor was from : XXXX a XXXX, Il electric utility company..I never lived or worked in XXXX, Il . I was able to dispute it off my credit report for XXXX and XXXX.I disputed with Equifax but recieved a email Pdf saying The Collection agency XXXX XXXX XXXX XXXX verified it was me.that a lie.I contacted them first when o saw on XXXX they didn't have MY contact info but the person who used my SN # .If u contact XXXX.they wont have my contact info but another.I showed proof that the account is not mine.but just because XXXX XXXX say differently still on my credit report.I repeat they didn't have My contact info until I contacted them and ask what and why about the XXXX $ collection. I have a variety of proof that I'm a florida resident and I work in Florida.I never set up a Electric utility bill in XXXX, Il.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 I leased a XXXX for 36 month term which ended XXXX. I bought the same vehicle on XXXX. Paid all my dues including the buyout amount on time XXXX I got a statement to pay {$480.00} for Personal Property Tax CITY OF XXXX . I paid that on time as well and the account was XXXX. 
All my credit bureau reports show the XXXX account as CLOSED on XXXX and in good standing so far *XXXX, Seven months after account closure, I got a statement from XXXX to pay {$560.00} for Personal Property Tax CITY OF XXXX XXXX Being the second property tax in same year, I gave a call to XXXX XXXX XXXX help desk. The support person was not able to clarify which year this payment is being asked for. He incorrectly stated that this payment is for XXXX and the one before in XXXX was for XXXX. I didnt reside in XXXX in XXXX, hence there should not be any tax so I requested them to check the records if there has been duplicate payments and also send me the copy of tax notice *Support person stated that they will send the tax notice via physical mail within 7 days. The mail didnt arrive. 

XXXX I got a Robo call from XXXX . I gave a call back to XXXX XXXX XXXX and explained the whole situation to a different support person. Support person stated that they will send tax notice via regular mail *XX/XX/XXXX I also opened an online Case/question on XXXX XXXX website. XXXX Case # XXXX. Please find attached the Case details, content and all online tracking information *XX/XX/XXXX I received the tax notice and clarification to my original question. Tax payments were for XX/XX/XXXX & XX/XX/XXXX *XX/XX/XXXX I paid the full amount {$560.00} *XX/XX/XXXX XXXX reported to all credit bureaus that my account is Delinquent. My credit score got adversely impacted *XX/XX/XXXX- Present : I requested all credit bureaus to check on this but they are not able to help. XXXX recently made my 36 month term to 48 month term on XXXX and account as delinquent with 30 day late *I have never paid XXXX XXXX late nor made late payments on any other loans or credit cards in past. I just asked a question and paid the full amount as soon as it was clarified. The property did not belong to XXXX in XXXX and they should not have paid tax on my behalf seven months after I made the purchase and charge me on an account which I had closed. 


*Attachment summary & proofs : 1 ) XXXX complete financial transaction history 2 ) Phone company records for the calls I made to XXXX helpdesk 3 ) XXXX online Case correspondence

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 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 settled an account in full with XXXX XXXX XXXX on XX/XX/2018 for the amount of {$5100.00}. 

XXXX XXXX still reports a balance of XXXX, as well as a late payment when it should be reported as XXXX balance. 

I have brought this information to XXXX XXXX on XX/XX/18 and XX/XX/18 and they will not correct it. 

I have recordings of making the payment stating that it is payment for settlement in FULL, as well as supporting documents. 

When I brought the issue to Transunion they called XXXX XXXX, and took the information provided from XXXX XXXX because they said so and disregarded any supporting documents that I had sent over. This was on XX/XX/18. 

I gave XXXX XXXX the original 30 days allotted for dispute through transunion, at the end of the 30 days they still reported false information. 

I am currently going through the mortgage underwriting process and this information immediately dropped my credit score XXXX points putting my mortgage approval in jeopardy. 

I will upload any documents I have. I can also provide the recorded conversation with XXXX XXXX XXXX XXXX co, clearly stating that the payment was for SETTLEMENT IN FULL.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: MI
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:
This is regarding an alleged debt from XXXX XXXX XXXX XXXX. This account was opened XX/XX/2018. The Amount is XXXX. They are reporting it as a Chargeoff/collection. I've tried to get this removed for almost a year now. Everytime it comes back as validated. But how can they validate without interviewing ; friends, family, & neighbors. Experian is reporting this negative account to my consumer report. which is hurting my reputation. I have not been able to get a car since this was reported. I just tried to get a car with XXXX and was denied because they said i had a car reporting negatively to my consumer report. I am speaking with XXXX XXXX XXXX XXXX XXXX  - he told me that they regulate under the FCRA. which is correct. 15 usc 1681b2 permissible - states a consumer reporting agency has to have written consent from a consumer to report anything to a consumer report. He told me they were in compliance with permissible purpose because XXXX XXXX XXXX provided them with the information. I went on to ask him if they were regulated by the CFPB and he would not tell me. He kept saying they regulate under the FCRA. He then proceeded to put me on hold on leave me here without complying to my demands of removing this account from my consumer report.

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 2018-07-31
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: Their investigation did not fix an error on your report

Complaint:
I have been asking EQUIFAX for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ) I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! ALLEGED DEROGATORY ISSUE : Provider Claims Late Payment not yet proven.I would like to see proof these accounts belong to me ATTACHED TO THIS COMPLAINT.THEY ARE NOW IN CONTRACT WITH ME AN IF THEY CONTINUE TO REPORT THESE ACCOUNTS THEY NEED TO PAY ME.I HAVE ATTACHED PROOF NONE OF THESE COMPANIES IS LISTED ON A UCC11 AS A LIEN HOLDER.

Company response to consumer: Closed with explanation