BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a credit card from XXXX/XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX TransUnion,  and XXXX/XXXX with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XXXX XXXX and XXXX XXXX. There was an error on their part. I was never 30/60 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, our insurance provider issued a check for repairs to our home following flood damage. This check requires a simple stamp from PennyMac before it can be deposited into our account. We mailed this check, along with supporting documents and faxed copies, to PennyMac in XXXX. PennyMac confirmed receipt on XX/XX/XXXX and claimed to have mailed the stamped check back to us. However, 10 days later, no mail from PennyMac has arrived. We fear that PennyMac lost the check and made an untrue claim about mailing the stamped check back to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Diaz & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter stating debt owed and in collection with a threat of if payment is not made immediately debt collection process will proceed. 

Confirmed with my bank per supposed account and debt, they have confirmed no such account # or any amount is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: SinglePoint GI
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I advise the representative that my account was discharged in bankruptcy back in XXXX and the balance shouldve never been assigned to them. XXXX XXXX  was discharged in my BK. The balance was from XXXX. I disputed the information on 3 bureaus, they refused to remove the information. I advised again this balance was included in my bankruptcy. The representative dismissed my request for them to contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Kriya Capital, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is I think the 7th debt collection agency working for XXXX XXXX. I have never had an account with XXXX and I am constantly being harassed by these people. This letter says they have verified this debt is mine.How is that?? This has been going on for 5 years now. No one has yet to send me a copy of a contract, no copy of my drivers license. I want to sue for harassment. NO ONE HAS SENT ME PROOF OF THIS DEBT AND I AM CONSTANTLY BEING HARASSED. THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I called this number today XXXX thinking it was Navient Student loans. A lady named XXXX answered and asked for my information such as name, date of birth, and social. Once she got my information she said I have the wrong number and gave me Navients number and hung up on me. When I called back she would not give me the name of their company and hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/2020, I contacted XXXX Loans regarding incorrect loan information ( loan status and outstanding balance ) reported to the credit bureaus. I am in a COVID Hardship Forbearance under the Cares Act. I was initially delinquent on my loan but was able to make a payment and became current in XX/XX/2020. Despite the rules regarding credit reporting under the Cares Act ( which they post ) XXXX reported no information for 6 months but in XX/XX/2020 my credit report showed my loan as " Delinquent in Forbearance. '' Additionally, XXXX reported the outstanding balance on my loan as {$450000.00} ( original loan amount is @ {$430000.00} ), despite the fact that my XX/XX/2020 statement reflects I owe @ {$430000.00}. When I asked about the incorrect status, the rep initially denied reporting misinformation to the credit bureaus but then justified it by saying " well you owe - once you are current we will fix it. '' In regards to the incorrect balance, the rep initially said the increased amounts were the missed payments. Once I refuted that as illogical - if you miss a payment the amount owed on the loan does not decrease or increase - she put me on hold. When she returned she said it was " unpaid interest on the missed payments. '' When I rebutted stating interest was already calculated into the missed payments she said, " well once you are current your credit report will reflect the correct amount. '' At no time did the rep offer to review or correct the information - she basically said if you want it fixed get current. This conduct appears to be a blatant effort to illegally penalize consumers for being in a forbearance under the Cares Act. The suggestion that they would only correct the errors if I became current is coercive in nature and borders on extortion. This intentional misreporting also tanked my credit score, which will likely impact the terms of repayment once the forbearance ends. I am concerned this is intentional since the change in reporting happened right before the forbearance ends. I have documents to support the above and XXXX records their calls - so the rep 's statements can be confirmed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Experian Information Solutions Inc.
State: OH
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:
Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, XXXX, Experian ) XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, TransUnion, XXXX  ) XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/2020, I contacted XXXX XXXX regarding incorrect loan information ( loan status and outstanding balance ) reported to the credit bureaus. I am in a COVID Hardship Forbearance under the Cares Act. I was initially delinquent on my loan but was able to make a payment and became current in XX/XX/2020. Despite the rules regarding credit reporting under the Cares Act ( which they post ) XXXX reported no information for 6 months but in XX/XX/2020 my credit report showed my loan as " Delinquent in Forbearance. '' Additionally, XXXX reported the outstanding balance on my loan as {$450000.00} ( original loan amount is @ {$430000.00} ), despite the fact that my XX/XX/2020 statement reflects I owe @ {$430000.00}. When I asked about the incorrect status, the rep initially denied reporting misinformation to the credit bureaus but then justified it by saying " well you owe - once you are current we will fix it. '' In regards to the incorrect balance, the rep initially said the increased amounts were the missed payments. Once I refuted that as illogical - if you miss a payment the amount owed on the loan does not decrease or increase - she put me on hold. When she returned she said it was " unpaid interest on the missed payments. '' When I rebutted stating interest was already calculated into the missed payments she said, " well once you are current your credit report will reflect the correct amount. '' At no time did the rep offer to review or correct the information - she basically said if you want it fixed get current. This conduct appears to be a blatant effort to illegally penalize consumers for being in a forbearance under the Cares Act. The suggestion that they would only correct the errors if I became current is coercive in nature and borders on extortion. This intentional misreporting also tanked my credit score, which will likely impact the terms of repayment once the forbearance ends. I am concerned this is intentional since the change in reporting happened right before the forbearance ends. I have documents to support the above and XXXX records their calls - so the rep 's statements can be confirmed.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: WV
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 have disputed several things on my credit report and havent gotten a response at all and nothing has be resolved

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 2018-06-12
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Tower Loan calls multiple times a day and repeatedly back to back. They leave harassing and threatening messages. Im not working and they arent willing to work with you.

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 2018-12-28
Company: Nelnet, 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 status incorrect

Complaint:
Nelnet / XXXX XXXX XXXX is reporting I have 5 missed payments on student loans that are duplicate accounts to XXXX. All of my school loans have been deferred for years now, because I am still in XXXX. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ask for a full validation of debt with bearing signature with XXXX XXXX XXXX, they send me back a letter that they are not obligated to provide the documentation to me that I requested. On they records indicate the application was under XXXX XXXX. XXXX XXXX XXXX verifies the identity of every new customer in accordance with the USA Patriot act. Also they send me a let from a collection agency ( convergent ) attempting to collect on a debt without any validation. Right now they are violating my rights

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 2018-06-11
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Today, XX/XX/18 my father was denied a loan for not speaking English. I simply told the company that I will be present to translate and that my father knows the basics but the contract I would be able to translate if he doesnt understand something. I was simply told that ot was not possible since I am not English speaker. The women simply just intorupted me and was very rude. I have never heard of such a thing before. I translate all the time and even have a business we run without English. I am just dissapointed and shocked!

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 2021-02-20
Company: MIB Group, Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I already had an active life insurance policy. For the 2nd time the life insurance company had some unexplained glitch and it drafted from my checking account approx. 10 times the monthly premium. No real explanation, I was very angry and did a lot of leg work on my own to investigate, in the mean time they said the auto system had cancelled me for not paying the {$400.00} something which was wrong. I explained that it all made me so nervous, what if I died? is this what my family will experience, I did speak t underwriting and they advised to just apply for a new policy, they gave me a new agen after I requested to keep my original agent. Then it took months, a whole application process, exposed to walk into a Lab, all of it again!! I later got covid!! then they declined me for some XXXX I had XXXX  years ago that was resolved back in XXXX! and also declined me for having had XXXX!!! Then I learned about the MIB and the universe headquarters where all my applications were getting the same info to DECLINE me. 
I have tried working with my hospital ; medical records, because apparently I also lived another nightmare with HIPPA and my Medical records ; had other peoples printed pages in my files. They supposed to have had a 700 plus page audit, they emailed me a pdf but i dont know all the medical terminology. Except the way my doctors office has had glitched too ; old system and new system So now my XXXX note from my resolved XXXX with XXXX XXXX reappeared as " history of " they read it as if I am having the same ongoing treatment, which I never did, just XXXX, no XXXX etc. 
The new insurance agent seemed very sloppy too helping me. I feel they all mis lead me to just get rid of me, I have waited to resolve this issue from XXXX to XXXX. They never called to ask if I had been in hospital for covid, lived or died. MIB doesnt have any covid info for XXXX. It all feels very very wrong, I am recovering from XXXX but I have been home, I will be okay. Covid is new to all and our doctors are still developing a list of what symptoms are with various treatments, we do not have all the information yet. We are all falling into these new lists and so I do not understand how I was marked as declined " with ... .and Covid '' There is a lot more to my story. I have ne dangerous life style, I have a good background since I am a XXXX XXXX XXXX XXXX. I live a healthy life and all I want is my life insurance policy back! I feel trapped into fighting to get it back since all the roadblocks are already set up against me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have making monthly payments since XX/XX/XXXX. I just sent the XX/XX/XXXX payment and they keep calling even though Ive asked them to stop calling and I wrote them a letter and the continue to threaten me. They also added {$2000.00} to my debt because they say its what they need to charge to collect the debt.

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 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX / XXXX XXXX XXXX is reporting I have 5 missed payments on student loans that are duplicate accounts to Transunion. All of my school loans have been deferred for years now, because I am still in XXXX. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
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: Information belongs to someone else

Complaint:
the violation repo is an FTC violation sent to the police dept and the creditors

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 2018-06-12
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to XXXX  disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX dispute letter to XXXX amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to XXXX 7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: McCarthy, Burgess & Wolff, Inc.
State: WA
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:
While going through a divorce, my exhusband stopped paying on the account even though he was assigned the debt in the divorce decree. I spent the next year attempting to collect the past due balance and was finally successful on XX/XX/XXXX, when the balance was paid in full. Because this account was not my responsibility, I filed a dispute on XX/XX/XXXX. Eleven months later, I still have not received any sort of acknowledgement from the collections agency that took over this account. This ongoing dispute is now preventing me from applying for a mortgage, so I am seeking outside help to have this dispute handled and closed.

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