BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: LTD Financial Services, L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
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:
Company keeps calling and threatening to give me bad credit and lawsuits could be pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Upstart Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I submitted request for a loan from upstart for the amount of {$7000.00} I was pre approve based on a soft pull credit report I was requested to provided documents in which I did and everything was successfully verified I was instructed to remove freeze on XXXX credit report which it was preventing them from accessing a hard pull in which that was completed successful. I received a letter of denial stated information couldnt be verify I spoke to supervisor and I was told they couldnt access credit report that information they stated to me was false I feel I was discriminated against for loan and I want answers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Nelnet, Inc.
State: GA
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:
The loan from XXXX was paid off but is now showing 60-90 days past due. This is effecting my score tremendously and I would like to get this updated asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-09-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Initiated disputes via mail and online with Experian, providing proper identification documents, sent via certified mail # XXXX XXXX XXXX XXXX XXXX on XXXX. The online method issues auto responses without providing any information about how accounts were verified, even though the accounts still report inaccurate and missing information. 

The following accounts have been repeatedly disputed due to inaccuracies. The CRA has a pattern of denying my rights under the FCRA ( sect 611 ). They have reinserted inaccurate and incomplete information further depressing my credit scores. Experian has stalled my dispute process randomly requesting identification documents which they have on file and, were submitted with my disputes. 

The following accounts continue to report inaccurate, missing and unverifiable information : 1. XXXX/XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account has missing information which the CRA will not update ; Highest Balance, balance. Request for immediate deletion. 

2. XXXX Account # XXXX : Date Opened XX/XX/XXXX : The account is missing its complete payment history. It is only reflecting 7 months of my payment history. Request for deletion due to incomplete information and failure to resolve within time allowed by FCRA. 

3. XXXX/XXXX XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account is missing balance which should read " XXXX '' /XXXX. It is left blank. Request for payment history verification due to inaccurate missed payment was not honored. Request for deletion due to inaccuracies. 

I have a right to complete and accurate information, or the accounts here must be removed immediately. I am respectfully asking them to comply with FCRA.

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 2020-09-17
Company: MONEY SOURCE, INC., THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage earlier this year. A few months after the refinance, a company called The Money Source took over servicing of my mortgage. 

Soon after The Money Source took over servicing I started receiving letter claiming ( without proof ) that my house was uninsured for one day in XXXX. Because according to their records I was uninsured, they are charging me {$16.00} for coverage on that day. I have called The Money Source multiple times to try to resolve this issue, and have been told everything is okay, but nothing is done. I also had my insurance company call The Money Source to confirm there are no gaps on my coverage. They were told that the letter was probably an error. Nothing was done. 

Today I received a letter stating that I still owe the {$16.00} to The Money Source. I talked to their representative and nothing was resolved. 

I am hoping that the CFPB can be my advocate in this issue. Please let me know of any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TransUnion is Criminally liable for willfully and knowingly committing a violation ( 15 U.S. Code 1611 ) in publishing XXXX XXXXXXXX and XXXX late payments on my consumer report. 
15 U.S. Code 1681a ( 2 ) ( 1 ), the term consumer report does not include report containing information solely as to XXXX XXXX XXXX XXXX XXXX XXXX transactions or experiences between me the consumer and the person making the report. XXXX XXXX and XXXX  is the person making the report. My transactions are my payment history for an alleged debt. See definitions. 
The term consumer means any natural person obligated or allegedly obligated to pay any debt. 
A person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity 15 U.S. Code 6802 ( a ) XXXX  XXXX and XXXX may not, directly or through any affiliate, disclose to a nonaffiliated third party, that is TransUnion any nonpublic personal information, unless XXXX XXXX and XXXX provides or has provided me a notice that complies with section 6803 of this title. I did not receive a notice from XXXX  XXXX and XXXX, regarding disclosure of my information to TransUnion. 
15 U.S. Code 1681  ( a ), As determined by Congress, TransUnion is violating the accuracy and fairness of credit reporting of my information. TransUnion is not exercising their grave responsibilities with fairness, impartiality, and a respect to my privacy. 
Due to TransUnion negligence of the law, my rights as been violated under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting credit, this has done harm to me and my Family. XXXX XXXX and XXXX has no standing to report a late payment to TransUnion, and they are now disclosing to other third parties. Which is in violation of my consumer protections given to me by Congress.

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 2023-04-19
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to apply for a mortgage on XX/XX/2023 and i see that there is a collection on my credit of {$2800.00} from Mid State Collection solutions collecting on behalf of XXXX XXXX located in XXXX Illinois. I have never lived in XXXX Illinois. The account number is XXXX from Mid State Collection Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX at XXXX closing we were short XXXX dollars had to call loan officer ( still have names ) for help Attn 's left my family in the parking lot with nowhere to stay.How could this have happened! Forgeries of my signature on mortgage docs. Nationstar/ Mr Cooper/ . XXXX is law firm for plaintiff. My XXXX yr young daughter suffering from XXXX XXXX is receiving calls from a " XXXX '' from XXXX attn 's asking for information on her deceased mother she has no ties to mortgage ( have saved messages ) pure predators I am XXXX suffered from XXXX XXXX XXXX XXXX for decades have all its XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX since XXXX, when my daughter started to be harassed I had to write. Illegal behavior ...? taking care of my daughter she had to leave a mold infested apartment in XXXX XXXX NJ her XXXX XXXX   XXXX she does not need this assault from some outside XXXX and XXXX legal team. It's hurt my daughter she is scared now about strangers calling

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: United PanAm Financial Corp.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX and XXXX credit reporting will not remove accounts over 7yrs old. The account was included in my bankruptcy and the account is well over 7 yrs old. I have disputed with both credit companies but they say the information is accurate. This is not true cause anything over 7yrs old is supposed to drop off your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
American Express says I have a account that I can't access or close account. 
I never had an American Express card through my local tax office and they couldn't provide an card through my tax office because of identity theft someone fraudulent got 1 or more already. I'm reporting I'm a victim of identity theft and tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern, I am writing to challenge the accuracy of information found in my credit reports and to demand proof of any negative claims made against me. As a responsible consumer, I have every right to ensure that the information on my credit report is accurate and reliable. 

I understand that the FCRA allows me to challenge any inaccuracies in a manner compliant with federal law. When these inaccuracies are negatively affecting me financially due to their accuracy or completeness, I have the right to challenge them. It is my belief that the claims within my report are wrong, and there is no proof that I am delinquent or derogatory. Therefore, I demand that you provide me with physical proof of what has been done and an updated credit report. 

I urge you to follow proper procedures if these claims are in your system and to be used in my credit reports. You must comply with federal law ( FCRA ) and Metro 2 standards to ensure that all claims are accurate and reported in the correct format. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me with records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.

I have reviewed my credit report in all 3 bureaus ( XXXX, Transunion, and XXXX ), and even after the investigation, I see that not all information has been reported 100 % accurately, especially the late payments on my payment history. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. 

In summary, I am challenging the accuracy of the following accounts listed in my credit report : DEPT OF ED/XXXX : XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX : XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX  : XXXX DEPT OF ED/XXXX XXXX XXXXXXXX I am giving you 30 days to investigate and provide me with accurate documentation and an updated credit report. Either confirm that this matter has been reported correctly, or remove it from the report immediately. It is time for me to get my life back and restore my good name. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-11-04
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Transferred to XXXX financial to handle payment processing in early XXXX alleging " acct significat past-due ; '' pmts on-time ; changed to another collection agency for processing pmts. no contact ; could retrieve statments using URL available through instructions. Told acct not handled by American Express. I have not received statments in nearly four ( 4 ) months despite continuing to reside at same address. 

Received first communication from second agency XXXX on XXXX XX/XX/XXXX claiming " opportunity to regain card membership. '' Prior reinstatement agreement cancelled by AMEX alleging " significatly past-due. '' In light of this " offer '' allegation of serious past-due payment seems to have been ploy to reduce risk exposure by cancelling out garunteed reinstatment of high-tier card ( platinum ) to place in lowest-tier card without any benefits with annual fee. 

AMEX claims this " new '' reinstatmenet through XXXX is because of my prior " relationship '' with Amercan Express, yet it was that same " relationshp '' American Express alleged caused the account to be closd in XXXX after a double-payment in an alleged single statement period caused computing system to allege payment was late for subsequent month ( s ). This was also after AMEX " lost '' a two-thosuand dollar payment that was wired to them through the FED a few months prior in that same year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: CMRE Financial Services, 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:
Was during covid, I was promised by CMRE that I could pay as little as $ XXXX {$50.00} per month payments and if I could pay more one month and skip the following month that was allowed. So I doubled paid one month and paid off all accounts in full by XX/XX/2021, CMRE reported delinquent accounts when they were paid in full and they did not honor their word verbal contract stating paying more one month and skip of a month payment when funds not available to pay was allowed. CMRE has been called at least 10 times Ive spoken to several agents who say they see all accounts are paid in full and that all bureaus will be updated. However they keep reporting delinquent or open account that is delinquent. This has impacted my credit score by at least XXXX points negatively. I even spoke to the CMRE manager back in XX/XX/2021 he said there is nothing they could do to reverse the negative report, even though I was told on several occasions during covid hardship that I could pay what I could, whenever I could pay double payment to cover up coming months payment and that I would not be reported negatively to the credit bureaus. CMRE medical collections company has been paid in full for all accounts yet they claim I was late payment XX/XX/2021 and had paid them XXXX double the agreed amount. I also paid off accounts XX/XX/2021 in another verbal promise to report my accounts positively to all three credit bureaus, this never happened. Ive checked in monthly and my credit report still has CMREs negative report from XX/XX/2021. 
This has caused hardship in purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I feel that was treated, targeted, and discriminated against on an unfair basis. Started my loan process several months back with Bank of America, The credits reports were pulled with outstanding scores of XXXX on all 3 credit report companies. From the beginning indicated that I was a retired Us Veteran and that I travel overseas and visit family. That I am also a citizen of the United States and have residency for so many years. At the time of application, I was living and residing in XXXX   XXXX. and that I needed to go back overseas to take care of personal matters. That I will return back to XXXX XXXX to close the mortgage process. But due to Coronavirus and travel restrictions due to the virus. That I will leave and Power of attorney to my sister in law to close on the mortgage application just in case I had difficulty traveling. 
After several months the application was denied for the reason listed below. 

Re : Application # : XXXX Loan Program : FIXED RATE FIRST-LIEN HOME LOAN Case # : Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Description of Account, Transaction, or Requested Credit : MORTGAGE APPLICATION NOTICE OF ACTION TAKEN We're sorry - we can't approve your request for a home loan right now. 
We carefully reviewed your application and credit report ( s ) provided by the credit reporting agency ( ies ) listed below and unfortunately, we weren't able to approve your request because : Unverifiable Information : Unable to verify residency

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 2022-12-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
They need to stop coming to the house being abusive knocking on the windows walking in the yard peaking through windows writing down license plate number threatening to go to job, talking to neighbors and XXXX XXXX XXXX. We hardly finished overcome a bad hurricane. This is added stress

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
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:
There are inquiries on my credit report from XX/XX/XXXX - XX/XX/XXXX that are not familiar to me.

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 2018-03-08
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an updated credit report with a " new '' collection added. Afni, Inc added a collection on my report in the amount of {$91.00} that was re-aged. This account has been re-aged and is falsely reporting to two of the three major credit bureaus as of today. They are in violation of Section 623 ( 5 ) ( A ) of the FCRA.

Company response to consumer: Closed with explanation