BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 disputed the student loan account with Transunion for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications. DEPTEDXXXX XXXX; DEPTEDXXXX   XXXX DEPTEDXXXX XXXX; DEPTEDXXXX   XXXX; DEPTEDXXXX XXXX;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: SC
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called and asked for the total balance owed and then made an ACH payment over the phone to Seterus in the amount of {$4500.00} for XXXX and XXXX and was charged {$10.00} which I was told was included in the payment amount. Due to a mix-up at my bank, the ACH payment was rejected/returned on XX/XX/XXXX. On XX/XX/XXXX I called Seterus as my online account still showed I was current. I was told that my balance due was {$10.00} ( the rep could not explain why I still had a {$10.00} balance when I had called in to get my full amount owed! ). He then said that I since I knew the payment would be returned that I could make the payment again. I did not elect to do this as I felt that if I made the payment at that time it may be considered as extra payment, not payment for XXXX and XXXX. I checked online and via automated phone again on XX/XX/XXXX and Seterus still showed my as current. On XX/XX/XXXX, my online account showed that I owed the XXXX payment, but not the XXXX payment. I called Seterus and the rep told me that the XXXX payment showed returned, and that the XXXX payment showed paid, but that the XXXX payment was in a suspense account. She could not explain what this meant, and could not transfer me to her Manager as she said he was not in today. She also stated that it could take up to 14 days to correct! This would make my XXXX payment 60 days late! When I asked if there was anything she could do, she said everything was automated and that if I made a payment today it would be for the XXXX payment now due. She also stated that there was no way to talk to the " payment people ''. When I insisted, she said she could send an e-mail asking them to check into it - which she said she did. She then asked when I would make the XXXX payment! - I'm still trying to make the XXXX payment!! 
Here are my issues : 1 ) I called for a full balance to pay for XXXX+XXXX+all fees and paid {$10.00} for the phone payment and was not give the right amount. 
2 ) Neither rep said I could make a payment to avoid my XXXX payment going 60 days delinquent and that they could document that it was a XXXX payment 3 ) The rep told me that XXXX showed paid yet that same amount was in a suspense account. And could not explain what that meant. She did not offer to further investigate and only did so when I insisted. 
4 ) There seems to be no escalation process for issues 5 ) After asking twice to speak to her Manager and getting stonewalled, she then told me he wasn't in today.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have been struggling to be able to get good rate to move into a better home but because of these fraudulent items on my report they are deterring my way of living and getting to a better lifestyle for me and my family. I have tried several times with these companies and they are refusing to remove the information. Please remove the following. 

XXXX - XXXX this account was never mine nor did I authorize this to be open or used my information without my consent. I have sent several request and they refuse to remove this. 

XXXX - XXXX - The information that is reported is inaccurate

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 2023-07-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian recently double reported a chargeoff. XXXX XXXX XXXX had a {$160.00} chargeoff and it was reported XXXX  months ago and I just got an alert that thet REreported it despite it already having been paid and reported.

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 2018-07-24
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Focus Recovery advised us of the debt after placed on Credit Report. They didn't attempt to collect ( The 30 days ) until after already on credit reports. Then advised that our Insurance statements that say " This is NOT a Bill '' and " You May Owe '' are considered notification of a debt owed to the original creditor. When asked to verify the dept and was disputed they then forwarded all medical  records from the hospital. This obtained all information of treatment and medications administered by the hospital. Focus Recovery also informed our XXXX year old son on his cell phone thinking it was mine that this was a medical debt with all the information thinking he was me. They informed him they would take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've explained that the debt was fraudulent and was told to contact the initial company which I did. I was told it was handed over to a debt collector. I've told the debt collector it was fraudulent also but they said they can't do nothing about it. I proceeded to receive 4 to 5 calls a day and I finally asked them to stop harassing me with calls. They stopped for a couple months and then proceeded to continue calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX 3 times of {$34.00} overdraft Fee by Chase bank XX/XX/XXXX 4 times of {$34.00} overdraft fees by Chase bank Contacted the Bank many times and they refuse to waive these fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04
Company: FIRST METROPOLITAN FINANCIAL SERVICES, INC.
State: TN
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 have contacted all the Credit Bureaus/Agencies ( XXXX, XXXX ) and the creditor ( 1st Metro Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
the information from XXXX XXXX XXXX XXXX  XXXX  does not belong to me someone used my social security number and photo id to open this fraudulent lease in my name i am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; XXXX On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXXstal Inspection Service for other  possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Experian Information Solutions Inc.
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:
This Two Credit Report Agency Experian and XXXX, has reported XXXX, XXXX Reported on CC  
Sent email and file a complaint towards the company also request the removal of the false information.

"I have paid XXXX bill on time i have copy of receipt, I proof of bill paid cash on XX/XX/2017."$XXXX payment.

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 2022-12-30
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: 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 ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account 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 XXXX XXXXBalance : {$17000.00}

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 2019-10-16
Company: TCF NATIONAL BANK
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:
gateway one lending repossed my car back in 2016 however i was never sent anything in the mail on how to get my car back nor did i ever receive a letter of it being sold and the balance that was owed now on my credit report it states sold charge off however they are still reporting it as a collection every month on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: First Associates Loan Servicing LLC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX from XXXX. I paid my loan balance off through Peaks private student loans shortly after the school closed in XXXX. After hearing the settlement that was reached by the CFPB and XXXX/Peaks it is my understanding that the remaining balances owed to these private lenders is now discharged. I have reached out to Peaks numerous times to have the amount roughly ($10,000) reimbursed to me but they will disagree. It is only fair that students that paid their debt off in full receive the same treatment that other students received by getting their loans discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I opened a line of credit with a " no credit check '', " open credit check '' company named XXXX at XXXX. When I opened the line of credit with XXXX, it was sold to me as a no-credit lease to own type of program, that acts like a credit card. I verified with the sales associate multiple times that they do not report my account to the credit bureaus as I did not want to affect my debt-to-income ration. I needed a computer after mine failed and needed it asap as at the time I worked from home. I carefully reviewed many options including traditional credit sources and purchased with XXXX as the representative stated that I would have to manually fax a form in to get my credit info, and turn it in to the respective bureaus for credit. They have since reported multiple months to the credit bureaus, and even though they are reporting good credit history, I accepted the loan under the premise that this account not be shared with the three major credit bureaus. I have attempted to call and speak to a supervisor multiple times and only am afforded the opportunity to speak to a low level employee in a foreign country. I have been consistently promised a call back to resolve the matter, and it still goes unresolved. This company is using dirty tactics to get business and I believe is either unethically or illegally taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to XXXX but the new company can't pay both the loan XXXX AND the unpaid balance deferred due to covid forbearance .... My current loan holder ( Wells Fargo ) will not allow me to pay off just the unpaid balance ( {$1900.00} ) as they say XXXX XXXX will not allow that to be paid until the FULL LOAN XXXX is paid first! 

I have a case with XXXX XXXX as they have said WF is giving false information ( XXXX  case number XXXX ) and will receive a call from the XXXX  Exec Office in 1-2 business days. 

I am re financing to get aware from WF as they have been nothing but unethical and predatory if their loan handling practices from day ONE! Most disturbing was being sent letters starting a week after covid forbearance stating " It is now within our legal rights to enter your property and change the locks '' .... I have lost several weeks of sleep due to this and will do anything to get away from this immoral, unethical, and dishonest company!

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 2020-09-18
Company: SinglePoint GI
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
General Revenue Corporation has been contacting me relentlessly since XXXX of 2020. I have told them to stop contacting me 8 times, but I still receive harassing calls asking for my employers information and asking for my social security number. The last call that I had with XXXX from General Revenue Corporation, he told me the last 4 digits of my social security number and my full name before he confirmed my identity on the phone. I told him that I had a serious problem with him just blurting out my name and social before confirming the identity of the person on the phone. This company is also not the original debt collector for this debt that I do not owe. The previous debt collector did not close my account like they should have, instead they passed the debt around to another company. I've been disputing this debt for over 5 years now and I feel that General Revenue Corporation has overstepped their rights by harassing me with calls and by harassing me with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions 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:
On XX/XX/XXXX I printed a letter to Experian, XXXX  & XXXX, I then mailed the letter to all three Bureaus on XX/XX/XXXX, the only Bureau that responded were Experian. On XX/XX/XXXX I printed the same letter advising that it had been over 30 days and I still haven't heard back from XXXX  and XXXX. The letters were mailed on XX/XX/XXXX. Along with the second set of letters I set XXXX XXXX a letter per response from Experian and have not heard back from them either as of XX/XX/XXXX. All three bureaus is reporting a Bankruptcy on my report dated XXXX but states that it were verified XXXX. I asked for them to validate this information, Experian states they verified this information through XXXX XXXX. I'm aware that each Bureau has 30-45 days to respond, for XXXX, XXXX XXXX & XXXX  its been over that time frame. I also contacted the courts and verified that they do not provide either of the listed parties this type of information. I'm not aware of all the legal terms when it comes to this. Since the allocated time frame has passed, this information should be deleted.

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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi i disputed these items to XXXX XXXX  and transunion and they have not removed this items and have not validated them and undr 15 usc section 1681i ( a ) XXXX -XXXX   XXXX XXXX XXXX acct XXXX showing collection of XXXX. XXXX acct number XXXX chaged off XXXX. XXXX XXXX XXXX XXXX showing XXXX all incur-rate info needs to removed they failed to provide the name address and contract bearing my signature and they are causing me harm my name is XXXX XXXX my social is XXXX XXXX XXXX my date of birth is XX/XX/1969

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: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LOCKHART MORRIS & MONTGOMERY has an account on my credit that is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: SC
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 spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT THE CITY OF XXXX I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/XXXX, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!

Company response to consumer: Closed with explanation