BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have been sending letters to the credit bureaus for months to correct the misreported accounts on my credit report and have NEVER received a response from them. 2 months ago I filed a complaint with the CFPB for them to respond to me and even so, the credit bureaus continue to ignore 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 2018-03-04
Company: Byrider Franchising, LLC
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:
I just recently retrieved my XXXX XXXX Credit profile and I noticed that there has a been some mistakes. There are two inquiries that I do not authorize and was not present on my credit report last year in XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to XXXX and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, XXXX results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina ONLY.

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 2018-03-31
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Caliber Home Loans, since XX/XX/XXXX. The escrow amount for the mortgage had recently increased by about {$500.00} per month due to an increase in property taxes. The payment was {$2600.00} but increased to {$3100.00} effective XX/XX/XXXX. 

While Caliber did notify me via postal mail, I did not notice that my payment was going to increase. I typically always pay more than the minimum amount due on this mortgage in order to pay it off sooner, but it wasn't enough to cover the new minimum payment due. 

My normal payment of {$2700.00} was received by Caliber onXX/XX/XXXX, but was held in 'unapplied ' status until the remainder of the payment was received on XX/XX/XXXX. 

And as you can see from the attached statement, it still is in some sort of limbo status, and my principal balance is not reflecting the payment. ***I have been accruing additional interest due to their failure to post the principle and interest payment when they recieved it on XX/XX/XXXX, and still not posted as of today XX/XX/XXXX. 

Caliber made no attempt to call or leave a voicemail on my phone until XX/XX/XXXX. 
I have never been late on a mortgage payment. And Caliber is being predatory with this late payment, that was due to a recent change in escrow and the minimum payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Long & Foster Financial Services, Inc.
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 my mortgage was sold from Prosperity Home Mortgage to XXXX XXXX. PHM never informed me of the sale by mail, email or telephone. Due to this, I made my first payment on XX/XX/XXXX using PHM 's online payment service. On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX dated XXXX XXXX, 2020 stating that my mortgage had been sold and my payments effective XX/XX/XXXX were due to them. I immediately called PHM on the XXXX of XXXX and was assured that my payment was being transferred to XXXX XXXX. As of the time of my writing this on XX/XX/XXXX, the payment has still not been sent to XXXX XXXX. I have contacted PHM on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I have been told they will look up my issue and get back to me with an update. They have not once followed up with an update despite taking down my phone number and email during each call. If I had been properly notified of this mortgage sale by Prosperity Home Mortgage I would be in this situation and would've made the payment on time to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax credit report dispute on XX/XX/XXXX. Someone else 's {$360000.00} mortgage balance with a {$3000.00} per month payment beginning XX/XX/XXXX thru XX/XX/XXXX is on our XXXX revolving charge account. Unable to submit online dispute. Web site blow off with timed out or incorrect input data. Unable to make phone contact with a person. They have automated phone numbers for report requests and alerts and freezes, but none for credit dispute issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CNG FINANCIAL CORPORATION
State: UT
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  is reporting a debt on my credit file that is not mine. I recently pulled my credit and noticed this debt reporting on my file. They are trying to collect for a debt with Check N Go. I have never had an account with Check N Go and I have told them that. This account is fraudulent and belongs to someone else. This account is on my credit and needs to be removed THE DEBT IS NOT MINE! This is really affecting my credit and I shouldn't have to deal with taking care of someone else 's account. This debt needs to be removed from my credit file and I suggest you find the correct person this belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
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:
I have already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - Equifax/XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX  hard inquiry XX/XX/XXXX -, XXXX   XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XXXX Equifax ; XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XXXX  ; XXXX XXXX XXXX, XXXX hard inquiry XX/XX/XXXX - XXXX ; XX/XX/XXXX, XX/XX/XXXX - XXXX All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Peer Advisors, LLC
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Re : XXXX  Loan # XXXX The HUD-1 Inspection fees, Lender ( I ) ( C ), need to be stipulated on the Repair Rider as a contractual agreement to be incurred by the Homeowner ; not the Lender. The Repair Rider ( I ) part ( C ) would have to be revised ; the one-time Repair Administration fee ( I ) ( B ) was the only fee/charge referenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Penn Credit Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am repeatedly receiving robocalls from Penn. XXXX XXXX XXXX. regarding a debt owed to XXXX XXXX XXXX for {$38.00}. I have contacted XXXX XXXX XXXX   directly and I owe no debt to them at all. I believe this to be a scam. I have reported this to XXXX Fraud Alert as well, but I continue to receive these calls. I have not called Penn. National directly.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Navient Solutions, LLC.
State: AL
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:
I spoke to a representative with navient. they told me that all of my loans were consolidated and I do not have anything else to do. They said that they have every last one of my loans with any company that I have taken out a loan with US department of education. Etc.I tried to go back to school and was denied they said that one of my loans or in a very bad category and I can not go back to school. It is also on my credit report. I reached out to navient and no one helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: TX
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:
I reviewed a current copy of my credit report and I show inaccruate payment information to home loan account XXXX account number XXXX. This account has always been paid on time as agreed and never late. I have contacted creditor and credit bureaus to advised that no such late payments have been made. I am having trouble with send in dispute to have this updated for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XXXX not sure of the date i disputed a debt for {$700.00} for XXXX XXXX XXXX which is now know for charter communications on XXXX XXXX i received a letter stating they were deleting the {$700.00} because i gave them prove and all that the account had not belong to me so they removed it last year XX/XX/XXXX then i guess they sold it to another company which i disputed that again so they removed it again i provided them with prove the account was not mine here we are again XX/XX/XXXX and they have a new collector name CBE GROUP collection agency putting back on my credit i went through all of this did what they asked it doesn't belong to me im asking to tell them remove it immediately from all three credit reports or i will be suing them for reporting negative information on my credit report which is affecting me tremendously from moving forward. ' tired of this you cant make an account belong to someone that isn't theirs PLEASE DO SOMETHING OR I WILL BE FILING A POLICE REPORT MONDAY MORNING THIS IS RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX Balance : {$28000.00} - Late open XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX XXXX : {$28000.00} - Late open

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may Concern : XXXX XXXX XXXX XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX  for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX or XXXX XXXX sold that account to XXXX XXXX XXXX XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: TD BANK US HOLDING COMPANY
State: NY
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 do not recognize any of the hard inquiries on my credit report and have never heard of those type of places and I've never applied to any of them and not sure what or who they are. I feel some has used my identity in the year XX/XX/XXXX and XX/XX/XXXXbecause I did report identity theft back in XX/XX/XXXX. IRS called me back in XX/XX/XXXXto notify me someone was indeed using my information and for me to make a police report in which i did. The problem I have is why are these hard inquiries still their if its due to identity of my information being used without my consent or me even being aware of this. Please help me get rid of these unknown inquiries that don't imply to me and never have. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ( date ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person.

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 2018-03-31
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During the past month I have disputed the validity of the alleged debt that XXXX  claims is due or owed. In my previous complaint I point out the FACT that there was no written notification sent to from XXXX to me after the company XXXX XXXX XXXX said they would cease and desist with collections. So with that and per the FCRA I should have received a written notification that the negative information would be added to my credit file. I have yet to receive this letter from XXXX  after the case with XXXX XXXX was closed and before the negative information was added to the consumer report. The issue is that there is no meaningful relationship between the consumer and XXXX. There is no signed agreement by both parties making the consumer legally binding to XXXX. The company also in their response sent company sent copies of a statement which doesnt show what was agreed upon, but only a record of the interest rate that was charged. Sufficient evidence would be a purchase agreement and a sworn statement from the original creditor who has first hand knowledge of the account and transaction ( s ). Also in this alleged account it shows the consumer name spelled as XXXX XXXX. I have no knowledge of that person or spelling of their name as my true name is XXXX XXXX  Furthermore pursuant to 15 U.S.C 1692d ( 1 ) debt collectors are prohibited from engaging in any conduct the natural consequence in which is to harass, oppress, or abuse any person in collection of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: GSA Commercial Asset Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Good Morning These people have been calling my mom and even my ex-husband whom I haven't spoken to in eight years. I was divorced in 2011 and just recently got a call from him saying, " these people keep calling my phone asking for you. '' " How did they get my number? '' I told him I haven't taken out any payday loans in a while, and if I did, I'd never list him as a reference. I have not personally received any call from these people, which is even more strange. I checked the number online, and it said they were scammers. I am reporting this due to the harassing phone calls my mom has received, as well as my ex-husband who told me he just got a new number and has no idea how they got it. 
Here is another number they've called my mom and ex-husband from XXXX. Thank you for resolving this matter.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-11
Company: U.S. BANCORP
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a USbank Reliacard in the mail and I did not request it. I am not eligible for unemployment benefits and did not apply for any. I tried to call USbank and can not get through to a person to talk to. In my attempts to get to a live individual, the company wanted too much personal information that I was not comfortable providing. I am concerned that someone has obtained my social security number and applied for these services in my name.

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 2018-03-03
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sent coinbase {$2500.00} via domestic wire to fund my account. 
The account was supposed to be funded within a few business days. Account was not funded XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. Received reply. Told to wait. 
XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX :  Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. Received reply. Told to wait. 
XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX: Contacted coinbase about the problem by opening support case. No reply from coinbase

Company response to consumer: Closed with explanation