BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Step 1 : What is this complaint about? 
I knew I was getting a new roof replacing the old one and being a realtor, I knew that the market value would increase to over 20 % equity to get rid of PMI. 

Step 2 : What type of problem are you having? 
Before the roof was replaced, I called my mortgage carrier, Loancare and asked " What do I do when I get the roof replaced, just send you a copy of the new appraisal? '' They said yes. So when I got the roof replaced, I contacted Loancare, they said that it had to be a Loancare appraisal. I told them that NO ONE ever told me that. So then they directed me to their site to submit the appraisal to have it accepted. No one ever contacted me Step 3 : What happened? 
I then called Loancare again and asked why the PMI wasn't removed. They told me I was late on a payment. I NEVER was. In fact, I am AHEAD of payments. I explained that when I closed on my house XX/XX/XXXX, I made a payment in XXXX of XXXX even though the 1st payment wasn't due until XXXX because I wanted to be ahead of the game. In fact, I consistently pay about 2 weeks in advance. For example, mid XXXX, I pay for XXXX. I also submitted a zip drive that shows every single payment ever made with dates AND because they offered my forbearance, I took it. I used it in the spring of XXXX. Last week, I just paid the balance due from forbearance which was about {$1200.00} because I was paying {$800.00} for 3 months vs {$1200.00} for 3 months just to bring my account up to date. Then I paid XX/XX/XXXX in XX/XX/XXXX just to make them happy. In mid XX/XX/XXXX, I had already paid XX/XX/XXXX XXXX attached a zip file of all of my payments since closing on XX/XX/XXXX, a current mortgage statement that does NOT show recent payments of forbearance payoff and XXXX payment, the appraisal and a copy of a letter I emailed Loancare Step 4 : What company is this complaint about? 
They will not drop PMI and say I was late on payments. I never was, I was ahead Step 5 : Who are the people involved? 
Over 6 supervisors who conveniently dropped my call EVERY SINGLE TIME I CALLED THEM while they put me on hold to research this complaint. They NEVER called me back even when they verified my phone number in the beginning of each call.

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 2020-05-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I pulled out an institutional loan ( in the spring of 2016 ) from my university to pay for tuition. I experienced a very long difficult period with my mental health, and was not able to immediately pay the institutional loan. As a result, the loan was reported as missed payments and went into default. I was not able to get my diploma, and therefore was not able to get a descent job. Fast forward a year and half later, I figured out a way to pay the loan. I spoke about my situation to the university and asked that if they could remove the derogatory remarks from my credit report. I told the institution that I paid all of the loan off with interest and that I shouldn't be penalized on my credit report therefore. I'm trying to get a home loan and move forward financially, but this account continues to be reported as a negative account on all three of my credit bureau accounts. I believe it is not fair for it to be negatively affecting my credit score and report status given that I paid the entirety of the account PLUS INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, The debt collection agency is attempting to collect interest on a debt in which the originally debt/ contract ( it is housing ) does not have debt. I have reached out to them to get it resolved, they submitted proof that there is no interest on the originally contract but will not remove the interest. The debt itself is also not viable since I receive a pay or quit notice when rent was not even late and after I filed a complaint for unlivable housing conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i did not give permission or consent to transunion to funish my report.

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 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that XXXX would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from XXXX has a 90-day late payment as of XX/XX/XXXX. I called XXXX today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: SYNCHRONY FINANCIAL
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX I received a telephone call from XXXX XXXX ID # XXXX from XXXX ( print out on telephone screen said " XXXX XXXXXXXX '' ) stating that he could lower my credit card interest less than 50 % .XXXX XXXX stated that in order to lower credit cards interest rates he would have to charge an up-front fee but I would get it back. I gave him my XXXX XXXX XXXX XXXX XXXX XXXX Synchrony XXXX XXXX XXXX account numbers. He advised that he would send me an email and mail documents to me. I didn't received any correspondence. I first called XXXX XXXX XXXXXXXX on XX/XX/XXXX asking if XXXX XXXX worked there & was advised that he did not. I called XXXX XXXX on XX/XX/XXXX to report that I felt that I had been scammed and filed reports. 
Letters dated XX/XX/XXXX and XX/XX/XXXX - received the end of last week stating that since I released account number to third party, I am responsible for paying the money charged to my accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I was looking through my bank statement today and noticed a charge for {$26.00}, that's been taken out every month since 2017! 

After looking into the charge and my emails I found it was from a credit site called Transunion but never signed up for them. 

I was under the impression that these emails were junk sent from a money gram service under a similar name as I've sent money orders in the past at XXXX. 
As for the charge on my bank I thought it was XXXX since it read TU*union. I have no idea how to even cancel this since I don't recall singing up in 2017 and don't trust clicking on there questionable website.

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 monetary relief
Consumer complaint received 2021-03-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I pulled out an institutional loan ( in the spring of 2016 ) from my university to pay for tuition. I experienced a very long difficult period with my mental health, and was not able to immediately pay the institutional loan. As a result, the loan was reported as missed payments and went into default. I was not able to get my diploma, and therefore was not able to get a descent job. Fast forward a year and half later, I figured out a way to pay the loan. I spoke about my situation to the university and asked that if they could remove the derogatory remarks from my credit report. I told the institution that I paid all of the loan off with interest and that I shouldn't be penalized on my credit report therefore. I'm trying to get a home loan and move forward financially, but this account continues to be reported as a negative account on all three of my credit bureau accounts. I believe it is not fair for it to be negatively affecting my credit score and report status given that I paid the entirety of the account PLUS INTEREST.

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 2023-05-08
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Over the past 4 weeks I have tried in several occasions to stop the use of my credit - several times my credit has been pulled and someone is trying to use my information to open credit accounts!! I want this to stop as it is hurting my credit score! This is fraud- I am now going to place a freeze but I would like the hard credit runs to be removed NOW!!

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Over the past 4 weeks I have tried in several occasions to stop the use of my credit - several times my credit has been pulled and someone is trying to use my information to open credit accounts!! I want this to stop as it is hurting my credit score! This is fraud- I am now going to place a freeze but I would like the hard credit runs to be removed NOW!!

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 2021-10-06
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have previously sent you a request to validate my debt, for the following account numbers, on XX/XX/2021, XX/XX/2021, XX/XX/2021 : Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XX/XX/2021, XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
XXXX XXXX was in the process of reporting my Mortgage paid in full and never accomplished the task. I called the organization and they have never responded or never showed paid in full. The mortgage I am fully satisfied with why are they not showing paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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:
This is my fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Upon receiving a call from from XXXX with Conn 's collections dept., I was reluctant to pick up and wanted to advise them that I had recently came into full time employment and that my first check would be XX/XX/XXXX and that I would be more than happy to make some type of payment then. The collectors communication tactics were very poor and were very brash, belligerent, condescending, and he wasn't talking to me, but was talking at me. The collector was informed that the merchandise had stayed in a vehicle that was repossessed. I am a XXXX XXXX XXXX that was working part time, that was made to feel foolish and beneath him when he said, " So your telling me you haven't worked in 7 months? '' I said, " If you can see I had a deferment in XXXX, I could not have foreseen my company trends as far as employment. They started cutting my hours and as it was i was part time. I went from 25 hours a week to getting told I wasn't needed for the day. '' As if telling him I had been unemployed was not good enough. He was very defensive and I felt that his tone could have been considered abusive and belittling, there was no empathy when he stated, " You do know why we are calling you? '' as if to make you feel feel beneath them because you owe them .... 

After stating that I wanted to pay them even if I did not have the merchandise, but that I will not have funds till XX/XX/XXXX that's when he said so you don't have anything, i said I don't have anything, I'm literally negative, i can show you my bank account if you want. he then stated, " by then your account will be charged off or could go to legal '' Very misleading on his part because he failed to fully explained what exactly that meant by it could go to legal. So I stated so what, does that mean you are taking me to small claims court? He said, there is no telling it could go to legal, asset recovery, or some other department I do not recall. He was very deceptive when he stated legal and vague, I feel that he was in violation of many consumer rights. I do not want to have to deal with them every again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX I sent XXXX XXXX XXXX account number XXXX a Validation of debt letter XXXX XXXX  has failed to respond according to FDCPA 15 USC 1692g sec 809 this is a violation, Further more XXXX XXXX XXXX has failed to mark the account as disputed at the time of validation of debt request. 

Also Experian and XXXX have inconsistency as far as this account goes. 

Experian reported this account being opened on XX/XX/XXXX XXXX reported this account being opened on XX/XX/XXXX Experian reported that the account number is XXXX XXXX reported that the account number is XXXX These are all inconsistency and is a violation through the Fair Credit Reporting Act. 
Proof of this has been downloaded through the CFPB Portal

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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX )  XXXX****, XXXX ( Original Creditor : 11 XXXX  XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**XXXX , 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 2018-03-07
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 belongs to someone else

Complaint:
THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE XXXX XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 60 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact  Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$15000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO XXXX XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$690.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2020-11-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
All XXXX in credit report has been legally discharged as paid infull for legally cognizable reason. Wherefore, should be mark as paid infull/discharged on credit report.

Company response to consumer: Closed with explanation