BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted my ID theft form in regards to unauthorized fraudulent inquiries that are listed on my credit report. XXXX XXXX multiple times, XXXX XXXX, XXXX, XXXX, XXXX/XXXX and XXXX/XXXX, also fraudulent accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, these accounts have been removed from my report by XXXX, but XXXX and XXXX has refused to block the fraudulent reporting accounts. They refused to investigate these account and delete them from my credit profile. This is hurting my credit!

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 2021-04-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is a XXXX XXXX account reporting on Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX XXXX and Equifax and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX of 2019 my last job ended leaving me with zero income. 
I left that job because I was not getting paid on time and sometimes had to wait weeks or a month for my pay which was making me late for my house payments. 

At that time, as you can see by the XX/XX/2019 statement, I was current. 

Unknown to me, in a few days ( approximately 60 ) the entire global economy would shut down making it impossible to find work. 

Here we are nearly 2 years later, and I'm trying to come out of my mortgage forbearance only to be denied for insufficient income and I still can not find software work even though I have sent out nearly 100,000 emails to all of the high tech companies hiring people like myself as shown on this page that I developed. 

https : XXXX Mr. Cooper did not even use my income to make this statement. 

My income is {$1100.00} per month via early social security which is expected to increase by approximately {$75.00} with the cost of living allowance. 

Knowing I was in trouble, I moved into my garage and rented out my house for {$850.00} per month to wonderful tenants who pay on time every time. 

And they pay half of the utilities as well, so my income is about {$2200.00} per month instead of the net income they show me having of {$1100.00}. 

And the car payment of {$600.00} per month is no longer because I let it be repossessed in order to save the house. 

I was denied the first time, so I appealed only to be denied for insufficient income and told that I was ineligible for a forbearance modification because I was delinquent before the forbearance period was approved. 

I have nowhere to turn and I do not want to be another homeless veteran statistic and now I have my renters to consider as well. 

If you know of anybody who can help, please share this with them as Mr. Cooper seems to only want the house to profit from my situation. 

I have written to the VA 's own counselors at the following website but never even received a response. 

https : XXXX I have attached all the documentation I have on this and I desperately need help. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent Dispute letters to the following agencies regarding false items on my credit report. I have given the agency more than 30 days to complete its investigation and its has not been complete nor verified. Please help with false/ inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Navient has taken 8 payments from me this year which is 2 per month and they are only supposed to debit one from my account automatically each month. They gave me back the 2 extra payments two weeks ago and then a few days later charged me a second payment for the month of XX/XX/XXXX. When I called and complained they acted confused like they dont understand this issue with debiting my account 7 times this year and its just now the month of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Upon a recent statement check, I noticed an Interest Charge on Balance Transfer. Such said balance transfer was never initiated by me. The Balance Transfer is a fraudulent transaction on my behalf. I never signed a check or authorized a balance transfer. I asked First Bankcard representative to provide a record and proof that such a transaction was initiated by me. The representative quipped that they no longer have a record of the transaction, they " only have a note on the date and amount '' They refused to provide a record copy of the transaction.

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 2019-09-19
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: Information belongs to someone else

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2018-05-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax 5 times in the last year to remove a bankruptcy appearing on my credit. I have also provided documentation that the bankruptcy i have is too old to be on file and have provided proof. Equifax keep saying they verified the information with a third party source as accurate. When i asked to be provided with documentation of who provided the information, i got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX around XXXX my spouse was contacted by One Main Financial regarding an alleged debt. The company had contacted me numerous times and then seemingly stopped. However, the company again began contacting me and my wife constantly throughout the day, and before XXXX and after XXXX. I have requested they cease all attempts to contact me and they will not stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a complaint against Hunter Warfield, for not contacting me and providing the validation letter from the alleged creditor. It is 30 days later, and I still have not received the following notice : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX ) to ( Hunter Warfield ) authorizing ( Hunter Warfield ) to collect alleged debt. 

Show me that you are licensed to collect in my state, and provide licensed number if you are.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
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 is missing that should be on the report

Complaint:
Member since 1982. Even states it on the credit card ( document attached ). Age of account is listed as a couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hunter Warfield Account number # XXXX After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. 
I ask that this request for validation because I do not recall or have knowledge of this so-called debt. Please provide physical evidence that I have a legal obligation to pay you. That is exactly all I need. Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
If you can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report. I look forward hearing from you to resolve this concern. 

Kind Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
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: Investigation took more than 30 days

Complaint:
Consumer reporting agency took longer than 30 days to respond to my dispute as well as other violations according to the Fair credit reporting act which is listed on the document i provided

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX. Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of XXXX.the image I am attaching shows their license is lapsed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has placed a collection acct onto my credit report without any prior notification. I do not own nor have I ever had any credit card with this company. I would like copies of a credit application along with any identification used to fraudulent obtain this debt. I also would like this removed from all three credit agencies immediately. I have previously been a victim of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: Caliber Home Loans, 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:
My XXXX Mortgage payment was due XX/XX/2019. I paid the mortgage on the XXXX XXXX which is 29 days after the due date ( Only 28 days in XXXX ). My Mortgage company has filed a report stating I was 30 days late. This is incorrect. 

I queried it with the mortgage company who agreed that it was paid on XXXX XXXX and that it was 29 days late and not 30, but their policy is to report it if it goes into the next month. My Payment history on the web site shows it was paid on the XXXX XXXX - 29 days late, not 30. The statement on my credit report that I was 30 days late is incorrect. It was 29 days, regardless of the mortgage company policy. 

I filed a dispute with XXXX and it was denied by the Mortgage company. I called XXXX and explained the situation and the gave me the FTC number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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 information incorrect

Complaint:
XXXXXXXX XXXX  collections is reporting violations to my credit report, and when I send them a certified letter, they refused to sign for it. Please see below the violations that are being reported. 

Account Name : XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX original creditor XXXX XXXX XXXX ) Account Number XXXX XXXX Violation Reported : account type listed as a collection. 
Violation Reported : account status listed as derogatory.

Violation Reported : illegally re-aged of accounts.

Violation Reported : date opened reported as of XX/XX/XXXX, and XX/XX/XXXX. 
Violation Reported : date of the last active is XX/XX/XXXX, and XX/XX/XXXX. 
Violation Reported : accounts numbers are the same and reporting different balance amounts. 
Violation Reported : original creditor refused to sign a certified letter ( copy enclosed ) These accounts are reporting inaccurate information, which makes these accounts in violation of FCRA requirements. Please see the evidence enclosed as proof of violations. Please see enclosed proof of mail, stating refusal to sign for the mail that was sent.

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 2021-06-02
Company: Security National Financial Corp
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We paid off our mortgage on our property located at on XX/XX/2021. We have received a letter indicating that our loan has been paid off but we have yet to receive, even after repeated calls to Security National Mortgage ... and promises that the closing documents/payoff packet would be sent out ... .with no results. 

Each time we speak with a customer service representative that seems to be quite helpful. They say that they are looking up our loan, and when they find the record, they look into notes ... and tell us that the information has been requested and would sent, rushed ... .etc ... .but nothing ever comes of our requests. 

I have asked if there is another phone number/manager that I can use to get this issue rectified and I am regularly told no. 

We are at a dead end at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: Experian Information Solutions 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 information incorrect

Complaint:
I had bought a watch and paid it off in installments. Apparently XXXX the creditor claims that they do not require a hard credit inquiry to qualify for their option to pay in payments. This is on my credit report and my credit score has dropped 6 points. This is unacceptable. The watch was for XXXX dollars. Experian lowered my credit score because of this recent purchase.

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 2018-06-06
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received call on my cell phone XXXX XXXX XXXX on XX/XX/2018 approx. XXXX XXXX eastern Said I owed some kind of debt and there was a summons for my arrest I told him to get lost and he said was going to call every day and twice on Sunday and that he was from XXXX  the town of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I became deliquent with my mortgage in XXXX and was unable to qualify for a modification. In researching I discovered that XXXX XXXX had a program for a partial reinstatement payment for properties in foreclosure. I requested this program from XXXX XXXX but was told that no such program existed, although I sent them XXXX XXXX documentation for this program. I reached out to XXXX XXXX and requested that they intervene, which they did. XXXX XXXX ( Case # XXXX ) had them place the foreclosure on hold while a partial reinstatment plan was established. The plan was to include a lump sum payment, by me, to bring the past due balance down to a manageable monthly payment. During this time I received a letter from XXXX XXXX that the loan had been transferred. When I called and spoke to XXXX XXXX of XXXX XXXX I was told that it had not been transferred and I would be receiving a letter. I received correspodence from XXXX XXXX on XX/XX/XXXX stating that the partial reinstatement plan was in review. However, the loan had been transferred to Select Portfolio Servicing and took effect on XXXX. I went through another loss mitigation application process with SPS which was denied. I appealed and in my appeal I requested the partial reinstatement plan and furthermore provided them with documentation from XXXX XXXX. I also expressed that I had been working with XXXX XXXX on a partial reinstatement plan. It is my understanding that when a loan is transferred to a new servicer, the new servicer is to consider the workout plan between the borrower and the previous servicer. SPS has not given me that opportunity. At this point they are only giving me the option to fully reinstate although XXXX XXXX has a program for my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
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:
Title loan/personal loan ( not sure at this point ) .. Paid off, called local office no balance, company changed names/mgmt from XXXX XXXX to XXXX XXXX.. You cam and can tget anyone to answer their phones and forced to leave message on random general voicemail. Now all of a sudden it sen to collections by XXXX to Colection agency called XXXX XXXX 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 2021-06-02
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). It's due to the fact that there are irregularities in my consumer report, It's compelling and greatly damages my reputation as a consumer. I do hope that these things will be taken care of.

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