BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My credit score with the three leading credit reporting agencies has been over 800 for several years. Suddenly, my TransUnion score dropped 60 points, from XXXX to XXXX in one cycle. 
I called TransUnion and after five representatives over three separate calls, I finally found a representative who helped identify information leading to the change. According to the information, an account I have with XXXX was " closed ''. I explained the only change I had with XXXX was the company re-issued new debit cards to customers in response to a potential breach at a national retailer. The TransUnion representative then stated that made sense since a new debit card would " appear '' as the closing of an account and erase all that history I had with the account. She even said the same thing happened to her once. I stated that did not make sense since the debit card is only tied to my checking account, and my old debit card was up for renewal in the near future anyway and the XXXX reissue just happened to occur first. She insisted that had to be the case since there were no other changes or adverse activities on my report. By the way, subsequent calls to TransUnion representatives offered no help as those representatives just insisted they ' ... don't have to provide a reason why [ my ] score dropped ', and one representative saying, "  XXXX is still not a bad score '', as if that would assuage me. 
I called XXXX and informed the representative taking my call what the TransUnion representatives said. The XXXX representative agreed with me and said there should be no reason why a new debit card issuance would in anyway affect my credit score. 

If this happened to me, it potentially happened to every XXXX customer who had a new debit card issued. I do not fault XXXX, I fault TransUnion. 

Oh, by the way, my credit scores with the other two agencies still remain well over 800. Go figure.

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 2020-12-22
Company: Experian Information Solutions Inc.
State: MO
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report from XX/XX/XXXX, Experian, and XX/XX/XXXX. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had serious issues with my student loans ever since I graduated with an XXXX from XXXX College in XXXX, NY in XXXX. In XXXX, the XXXX  student loan and XXXX. loans ( from XXXX Univ. ) were consolidated with XXXX XXXX for a total amount of {$45000.00} and I was put on a loan with interest-only payments for 60 months and then payments would be applied to principal. As soon, I made 50 payments, the loan was transferred to another servicer and the public loan was reconsolidated by another lender/servicer, which I started again to make interest only payments on a new loan. From XX/XX/XXXX to XX/XX/XXXX, I have been making payments towards the public student loan with several student lenders ( Depart. of Education, XXXX  XXXX, XXXX, XXXX, etc. ) and no monies were applied to principal. I had no choice but to switch to a private loan since nothing could be done by XXXX XXXX or the federal government. 

In XX/XX/XXXX, XXXX XXXX, as the private lender, paid off the public student loans and I began a new variable rate loan at prime rate with an amount totaling {$43000.00}. From XX/XX/XXXX to XX/XX/XXXX, I have been making payments to the private loan monthly at {$360.00} a month. However, this student loan started in XX/XX/XXXX and should have been close to being paid off at this point in XX/XX/XXXX. 

I need some assistance with reducing the principal balance or finding a way to get monetary relief. I appreciate any assistance or options that you may provide. I am available if you need to contact me at cell # ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: MD
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:
I have a credit inquiry on my credit file that I did not authorized from XXXX XXXX XXXX XXXX dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint the company servicing the my mortgage account since XXXX of 2019 has impose fees such as escrow. I have asked for Shellpoint to send me a itemized letter of calculated escrow, monthly payments used for escrow and payments sent to escrow and the balance at the time and they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I applied to refinance our home. In the credit report, they advised that there was a collection for a debt for XXXX  thru IC Systems for {$1500.00} that I needed to take care of. I contacted the company, IC Systems, and the representative told me I needed to pay them as XXXX reported the debt as unpaid. I needed to contact the previous debt collection agent, XXXX XXXX, XXXX. I contacted XXXX XXXX and they were absolutely NO HELP. Representative told me that they reported the debt paid to XXXX and it wasn't their problem. In the interim, IC Systems continues to contact me stating that the debt is still owed to them. I have sent the receipts from XXXX XXXX to XXXX  Credit Reporting Service to show that the debt was paid and to remove from my credit. IC Systems refuses to remove this debt from my credit - they insist it isn't their problem. Despite having receipts showing debt is paid - neither company will assist in getting this debt removed from 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 2018-01-27
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have fallen behind on payments. The company XXXX XXXX left a green note at an address of a friend with no name just a reference number and phone number to call. The friend called the number and the women told him they were looking for me to collect my vehicle. He advised her that he was not me and to contact me and she advised him they were trying to contact me by leaving the note. The issue is they advised him that there were collecting a debt and told him my name and make, color and model of car. This person is not on any of my title loan information. They just provided my info because he called the number that was left on his door that did not state who the information was for but upon calling he was given the info and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Commonwealth Financial Systems, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX CommonWealth Financial Systems presented me with a letter via mail, about a debt in the amount of {$270.00} for a medical debt with the original creditor being XXXX XXXX XXXX, original acc # **********-****XXXX. They advised me that my account had been placed with them for collection and to remit payment. I remitted a payment in the amount of {$190.00}, a discounted amount offered in the letter to resolve this account. A account that had been held by XXXX  XXXX XXXX ( XXXX ), a debt collection agency. However, Account Resolution Services was contacted after this was paid through XXXXommonWealth Financial Systems ( paid on XX/XX/XXXX ), and they disclosed that this particular account, On XX/XX/XXXX, the business XXXX, provided the following information : " We have reviewed our records in this matter, and find the following. XXXX XXXX XXXX XXXX has had three accounts placed with us by our client, XXXX XXXX XXXX, XXXX. XXXX number XXXX for a balance of {$240.00} and reference number XXXX for a balance of {$270.00} were recalled from our office by our client, those accounts were deleted from the consumer 's credit report at the time of closure. Our office does still have one active account for the consumer. Reference number XXXX for a balance of {$260.00} for services rendered on XX/XX/XXXX remains with us. '' Thus, I was contacted by CommonWealth Financial Systems fraudulently, in a successful attempt ( as I paid what they asked ) to collect on debt that no longer existed. I reached out to CommonWealth Financial Systems and was sent a letter by them, showing they had been paid, and this debt was no longer due. I would like to report this company for their fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: WV
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 am a XXXX deploying soon. I want to purchase my house before I go. I checked my credit report and discovered a collection for {$1000.00} listed by XXXX XXXX XXXX ( XXXX in XXXX, FL ). I contacted them and they were very rude and hateful. I asked for the CEOs name ; I was refused. I asked for a fax number was refused. I then contacted the hospital, XXXX XXXX in XXXX XXXX, WV and they have been helping me to figure this out. I called my insurance from the debt ( an ER visit in XX/XX/2015 ), who was XXXX ( XXXX XXXX XXXX XXXX ). They said they had paid the hospital, paid for my XXXX and every bill submitted. Not once did they receive a bill from the physician. I did a lot of leg work and phone calls and found out that the physicians group, XXXX XXXX XXXX XXXX, had billed XXXX and not XXXX. THAT was why they did not get a payment. So instead of XXXX contacting me, they turned me over to XXXX collections. I admittedly have not checked my credit the past two years so I was unaware of this false listing. It is not my fault the wrong insurance was billed. It is not my fault ARS refuses to let me provide them a letter from the Governor of WV stating I had XXXX  coverage then. It is not my fault they will not send a bill to XXXX, who says they will immediately pay and end this matter. NO, XXXX is a hateful F rated company who enjoys making others suffer. I feel this needs to be off my credit reports immediately. I have filed a complaint with the Federal Trade Commission and am considering legal action. I was told as soon as this debt is off my report, I get my loan. I have pleaded and begged ... no more! I am tired of being talked to like a dog and no cooperation. I was even told by a XXXX XXXX that only the physician could remove the debt. I have recently discovered she is not even in the US anymore. So how are they being fair? Enough!

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 2021-10-26
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021 LoanCare/XXXX  XXXX offered me a Flex Modification Trial Period Plan. I sent the first payment in by XX/XX/2021 and then spoke with a Loancare agent ( who called me ) to confirm I was accepting the Trial Modification. I then made the next payment by XX/XX/2021 ( per the Modification agreement ). On XXXX XXXX I was informed XXXX XXXX sold my loan to a private investor and would transfer on XX/XX/2021. 
I then confirmed with XXXX XXXX ( the new loan servicer ) that they would honor the agreement. Unfortunately this was over the phone. In the mean time I received one last statement from Loancare with a note in the Important Message section that states : Notice Regarding Loss Mitigation : Program participation was agreed to. I have made all the trial payments on time. However once the final payment of the trial was made I did not receive a Loan Modification Agreement from the new servicer as stated in the agreement from Loancare. XXXX XXXX has a note that says my payment is XXXX ( which is to be the new payment per the Modification ) and this is the amount I have paid during the past 3 months. However I am now receiving notices saying my account is severely past due but nowhere does it reference my modification plan. Additionally the last payment of the trial period has been paid however I have not received the Loan Modification Agreement as stated in the Flex Modification Trial Period paperwork.

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 2018-01-27
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:
XXXX  and Experian has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with a document from the court stating that the federal bk court does not furnish any information to credit reporting agencies. XXXX XXXX is suppressed. They will not provide me with any verification of proof that I have requested. One rep from Experian told me over the phone while checking on a dispute that they don't have to provide anything to me. I said that's a violation of section 609 and you have up to 15 days to delete this bk but she did not.

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 2020-12-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
USAA is reporting a debt on my credit file that I do not owe. I recently had my credit pulled and was notified that USAA is still reporting a balance on an account that I paid off months ago. This debt has been settled in full and needs to be removed from my credit file. This account is causing my home buying process to be delayed and it shouldn't be a deragotaroy account anymore. This needs to fixed ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been wrongfully charged by XXXX XXXX for one of  there employees starting an account with out my consent or approval of starting a phone line with them I was charged XXXX $ for a phone I never got so he could get paid.after a while it showed up on my credit and I was confused cause I never got anything from XXXX XXXX to be charged then when I read into it they charged me for putting me on there plan when I was unaware of it. XXXX XXXX destroyed my credit and it dropped a lot because of this collection. I want to take action over this for the employee who did this to me and about my collection Im wrongfully charged for owning I would like to get compensated for all of what I have been threw and how XXXX XXXX takes advantage of customers to make a sale and try to get all of there information and charge people for things they dident want to find out latter then minuplate to get there way to sign up with them or lie or say one thing and then take it back or trying to give out promotions when at the end you saved nothing I would like for this to get followed up on and action to be taken cause no one should go threw this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Alliant Capital Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company, Alliant Captial Management LLC, who's owner is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Have been calling me from the number ( XXXX ) XXXX-XXXX for the past two months asking me to pay a debt to a XXXX account I never had. When I try to explain I never had a XXXX account they call me a lair and threaten to have a lawyer sue me. I asked for a supervisor and was hung up on several times. Finally, a person claiming to be a supervisor told me the calls would stop. Yesterday, they started again using the same tactics, calling me a liar and saying their lawyer will " take action '' I asked for a supervisor and was mocked by the person on the phone who kept repeating the same words over and over like a robot. Saying " what is your date of birth '' over a dozen times. It was very strange. Apparently, this company has had many many complaints lodged against it. I am also filing a complaint with the Florida Attorney General to ask that they cancel their license to do business in Florida. They are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 THE 4TH TIME I HAVE HAD TO COMPLIAN ABOUT SEVERAL ISSUES. MY NAME IS XXXX XXXX XXXX SS XXXX DOB XXXX PLEASE REMOVE/DELETE ANY OTHER VARIATIONS OF MY NAME ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. THERE ARE SEVERAL SOCIAL SECURITY NUMBER ON MY CREDIT FILE THAT I HAVE REQUESTED TO BE DELETED, PLEASE REMOVE DELETE THE FOLLOW SS NUMBERS : SS XXXX, XXXX, XXXX, XXXX PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS : PREFERRED LEASE XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX. THE IS THE LAST TIME I AM FILING A COMPLAINT MY INTENT NEXT IS TO FILE A LAW SUIT.

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 2019-07-01
Company: WELLS FARGO & COMPANY
State: CA
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:
WELLS FARGO DLRSVC/WACHO ACCT # XXXX is what i'm having a problem with at this time. They have late payments showing in XX/XX/XXXX and XX/XX/XXXX which is not accurate. I've tried to talk to them and have it corrected but they refuse to assist and make it right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX about a notice to collect a debt from Capital One. I final heard back from someone in the office after several days. I explained that my identity had been stolen in XX/XX/XXXXand I could supply their office with copies of the police report and other items needed as the account in question was also not something that I had established. I sent the documents, as mentioned, via email and on XX/XX/XXXX, I received noticed from XXXX XXXX XXXX stating that Capital One could not substantiate my claim and they would move forward with garnishing my wages.

I have since communicated with Capital One in the same format as I have with all businesses where accounts were fraudulently established. I have provided the proper documentation, as well. However, Capital One is adamant that I pay the debt created by some mystery person who has used by social security number, date of birth, address, phone number and more to establish services with Capital One, apartment communities, hospitals, and even utility companies. In addition, I was dealing with a bankruptcy at the time that the accounts were established.

Any help to rectify this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: Debt Recovery Solutions, LLC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account, my credit file has been frozen since XXXX or XXXX of 2021, therefore this account should not have been OPENED... THIS IS FRAUD

Company response to consumer: Closed with explanation