BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: VANDERBILT MORTGAGE & FINANCE, 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 called Vanderbilt Mortgage to see why they reported an increase to.my balance when I pay on time and extra. They claimed that the problem was XXXX that they didnt report that amount. When my dispute was completed with XXXX it said account was accurate.When I looked at the payment reports it doesn't show where I paid extra. I feel like i am getting the run around. This increase made my score drop. They need to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Myself and my brother have spoken to the representative XXXX XXXX XXXX and her Manager, I've tried on several occasions to setup a reasonable payment plan with this company and their representatives and they refuse to allow me to setup a plan, First XXXX XXXX stated that I would have to put down {$3000.00} and then start a payment plan and then I spoke to her supervisor ( I can't remember her name ) and she advised that I would have to put down a {$1900.00} deposit then pay {$130.00} a month. This conversation was onXX/XX/18 at approximately XXXX EST. I spoke to XXXX XXXX approximately XXXX on XX/XX/18 attempting to setup a payment plan and she was really rude and told me that she couldn't tell me anything about the loan because it was in default and my brother XXXX XXXX XXXX the co-signer on the loan, XXXX XXXX XXXX me that she spoke to my Sister n ' Law XXXX XXXX XXXX is not on my loan at all, I spoke to my Sister n'Llaw XXXX XXXX and she advised me that XXXX XXXX advised her of my loan information, she stated that XXXX XXXX told her my loan terms, when it went into default, how much I owed, how many payments I was behind and when it went into default. My sister n 'law is not on this load at all and should not have received any of this information from XXXX XXXX XXXX XXXX XXXX While speaking to XXXX XXXX on XX/XX/18 I advised her after she told me that she had spoken to XXXX that she was to not tell her anything about my loan and she stated that I didn't have the authority to tell her who she could and couldn't speak to about the loan, by this time we were arguing and I told her that I just wanted to setup a payment plan and she said that she couldn't tell me anything about the loan and that I had to have my brother contact them to setup a plan. 

I've tried to setup a payment plan with this company and they will not allow me to setup any terms that are reasonable and affordable, plus they violated my privacy by telling a 3rd party that isn't in the loan all my private loan information. 

Please help with this situation. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$1800.00} on the XXXX XXXX original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My mother-in-law originally purchased the phone however, before I was XXXX we contacted XXXX  and cancelled this account because I was going to be XXXX to XXXX. The phone did not have area coverage in XXXX. ( I have attached a copy of my XXXX paperwork for reference. ) We were assured by the representative that I spoke to that this account was closed and in good standing and that there was no outstanding balances due. We were not aware that this account had falsely gone to collection until I obtained a recent copy of my credit report. Pursuant to the Servicemembers Civil Relief Act ( SCRA ) benefits offered by the SCRA Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider, as well as that if you use any of your SCRA rights and delay payments it won't reflect on your credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
OnXX/XX/2018 a short sale package was sent to this lender as homeowner 's are unable to afford their mortgage due to financial hardship and separation. XX/XX/2018 an offer was received from an investor and the Offer as well as est HUD & proof of funds were sent. By XX/XX/XXXX the file was advised it was sent to short sale department and 2 BPOs/appraisals were conducted and completed. XX/XX/XXXX The investors/buyers agreed to extend while the file was still being reviewed and sent to a negotiator to counter/accept. ByXX/XX/2018, upon speaking with lender 's loss mitigation department, they advised the short sale was closed out as they did not have a divorce decree!! I explained to them that both parties are on board to short sale and chose this loss mitigation option to ensure they do not experience a foreclosure. I inquired why a divorce decree was needed when both parties should be qualified for a short sale option ; and the lender said they needed the husbands ' signature/a copy of the divorce decree. I continued to express that the homeowners are married to each other ( XXXX XXXX  ) and the short sale file should NOT have been closed out! This put us severely behind in the loss mit process. As ofXX/XX/2018 the file since then has been referred to a foreclosing attorney and Dept of HUD. Lender has started file over from scratch XX/XX/2018 and advised of another 30+ days for review! We are starting over and now homeowners are in serious default with a substantial chance of foreclosing and derogatory payment history. Due to LoanDepot 's negligence and insinuation that they are married to men and needing a divorce decree from both XXXX in order to negotiate this short sale is nothing less than presumptuous, unprofessional and disappointing to say the least. Homeowners as well as myself as their agent, are concerned and truly need this resolved and moved towards the best methods of foreclosure prevention possible as we have tried everything and provided everything as they requested.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
On XXXX XX/XX/2019 XXXX XXXX filed for Chapter XXXX Bankruptcy in Arizona ( Case No XXXX ). XXXX XXXX XXXX received a Chapter XXXX bankruptcy discharge on XXXX XX/XX/2019. As you are aware the discharge prohibits any attempt to collect from the debtor a debt that has been discharged. In a case involving community property : There are also special rules that protect certain community property owned by the debtor 's spouse, even if that spouse did not file a bankruptcy case. At the time of filing XXXX XXXX XXXX, was married to XXXX XXXX XXXX. The bankruptcy case for XXXX XXXX XXXX listed all community assets as part of the bankruptcy estate. In this case the discharge operated as a community discharge where community claims were discharged for the non-filing spouse. Under Section 524 of the Bankruptcy Code, creditors of the debtor and the non-filing spouse who have a community claim on the date of the filing of the bankruptcy case are barred from asserting a claim against after acquired community property. The resulting Chapter XXXX discharge operated as a community discharge of the community debts. Please be aware that an attempt to collect a discharged debt from the community property from the non-filing spouse violates the discharge and you may be required to pay damages and attorney 's fees to the debtor.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA.

Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and immediately remove from my credit file INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX/XXXX XXXX XXXX  XX/XX/2018 unauthorized XXXX/XXXX XX/XX/2018 unauthorized Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2019-04-28
Company: EQUIFAX, INC.
State: NY
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 writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Cascade Capital, LLC
State: TN
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:
I sent in a dispute letter/debt validation letter to Cascade Capital Funding , LLC to validate this debt. I asked for documents/contracts bearing my signature, and dates of services. In correspondence, they corresponded with a letter including my medical records, directly violating HIPPA. After the complaint was submitted, the Company, Cascade Capital Funding LLC corresponded by pointing fingers at who released my medical records to them, a third party. When, in this same case, the same letter, from Cascade Capital Funding, had my medical records inside. The letter sent to me did not have documents bearing my signature that I gave the authorization to release my medical records to third-party contractors. This is the first, failure to validate, and it is a direct violation of HIPPA. In conclusion, this HAS to come off of my medical records, immediately. All parties involved has to delete this from my credit 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 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After finishing XXXX school my student loans came out of defferment. I received a call and i set up a income driven repayment plan. I was told i would that the plan would consolidate all of my loans into 1. However after missing 1 payment for the month of XX/XX/XXXX. The company retroactively went back and applied all payments while in the program as late. So after missing 1 payment for the month of XX/XX/XXXX. XXXX reported 3 loans with missed payments for 3 months each for a total of 9 missed payments. XX/XX/XXXX i was enrolled and paid XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX was missed. and

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 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX XXXX XXXX. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2020-05-04
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
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: Investigation took more than 30 days

Complaint:
I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.

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 2019-04-28
Company: Navient Solutions, LLC.
State: OH
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:
Dear XXXX XXXX XXXX XXXX : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My complaint is against a TransUnion employee XXXX and her supervisor XXXX XXXX. I called ( XXXX ) XXXX to speak with someone regarding XXXXXXXX XXXX, and the first thing she asked me was my name, then my full social security number. I provided her my information, then she asked me if I was able to login online, I told her no I was not. She told me to ask the landlord to resend the link, I told her we did that twice. I asked her why did she ask me for my full social first when she should have asked me if I was able to login online first, she could not give me an answer. I asked for her Supervisor. 
Her supervisor XXXX XXXX came on the line speaking over me extremely RUDE and disrespectful. I asked him to let me speak, he continued to ignore me and kept talking over me, so I asked for his Manager. He said he was not able to give me the information, so I asked for the site to file a complaint against an employee. Customer Service is very much needed respect for customers and their personal 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 2019-04-28
Company: EQUIFAX, 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:
Equifax has received two letters on XX/XX/2019 and XX/XX/2019 Respectively. I ask for the verification on a supposed bankruptcy that is on my credit report. They came back that it was verified per XXXX XXXX. They refused to provide me the person, address and the person of whom they spoke to, to verify this. They have violated the Per the FCRA 623 ( a ) ( 5 ) : I have written prove that it does not exist on my XXXX XXXX  file. Therefore it should be removed immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, This is a formal complaint about the crypto currency exchange that is Coinbase. Coinbase has locked me out of my account and done nothing in the slightest to help me resolve my issue in the last month except for templated emails and useless responses. On XX/XX/XXXX I locked my account due to an accident concerning the changing of my dual authentication for the website. 
I then emailed coinbase support to unlock my account while giving them the necessary details. They responded to me fairly quickly the next day saying they have passed it on to specialists and will get back to me within 4-5 days. 9 days then pass and I make another support ticket only to be merged with the first ticket I created, saying that they would get back to me within another 4-5 days. I have since emailed them three times every few days asking for assistance or updates, to which nothing happens. I am almost positive I have never been into contact with a real human and am just receiving automated messages. It has now been almost a month and coinbase is illegally holding my money and refusing to cooperate with me, as well as thousands of others. I hope that this can be resolved in a timely manner, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-06
Company: Experian Information Solutions Inc.
State: KY
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:
A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX, when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX and unable to pay off any of these loans.

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 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX XXXX   {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 ) XXXX XXXX XXXX 4 )  XXXX XXXX XXXX {$390.00} 5 ) XXXX/  XXXX XXXX XXXX Please investigate this and send me the Method of Verification used, or remove the accounts 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