BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-09
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:
three accounts US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX all three accounts were not in my name and are too old to be listed on my account.

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 2019-02-22
Company: Avant Credit Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Paid bill 2 weeks in advanced but they processed bill a week after due date, causing it to appear as though I was late. Moreover, now they send out bills within a couple of days of due date. This has affected my credit greatly and making it appear as though I'm late constantly! In trying to tell them that they're sending out bills late, Rep. Informed me that its not their fault about the US Mail. So I asked, why is it that the same courtesy is not afforded to me, as she stated that my payment may have gotten late because of US Mail. Rep. stated its not their responsibility to check for mail. This is ridiculous, they want to be absolved from sending out late payments while charging me for the same thing they are forgiving themselves for. Moreover, my payment was never late as it was not process promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Credit Karma, LLC
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:
I started a Dispute in XX/XX/2018 about how XXXX was reporting payment and balance info. The reporting was corrected. The Dispute was to be removed from my report by XX/XX/2018. It is still listed as an open Dispute and blocks me from any other Disputes. Only one Dispute at a time. The company at fault is Credit Karma. They refuse to acknowledge there is anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: AL
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 OBTAINED A COPY OF MY CREDIT REPORT AND THERE ARE MEDICAL BILLS ON HERE THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS, AND SEND ME AN UPDATED COPY OF MY CREDIT 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 2022-08-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I started a chapter XXXX bankruptcy in 2018 which included XXXX ( formally known as XXXX XXXX XXXX XXXX ). I completed the bankruptcy and it was XXXX. During court proceedings, XXXX did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was XXXX. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, XXXX  has reported me being XXXX days late on payments to this non existent account. This has down extensive damage to my credit score. I am also including documentation from the bankruptcy showing that they have been XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: EQUIFAX, INC.
State: DC
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, a third party tried opening a credit card account with XXXX XXXX XXXX   under my name. This application ceased after XXXX XXXX called me and it was determined that the application had been fraudulent. 

However, a hard inquiry made by XXXX XXXX as part of the credit card approval process has remained on my Equifax credit report to this day. Upon my urging, XXXX XXXX submitted two or three inquiry suppression reports to Equifax, which should have led to the removal of the hard inquiry form my Equifax report. This inquiry, however, was never removed from the report. On the five occasions that I called Equifax, I was told that it never received an inquiry suppression from XXXX XXXX. On XX/XX/XXXX, I was told repeatedly by a person answering the phone for Equifax that XXXX XXXX misinformed me, and that Equifax can not change my credit report. I had also transmitted to Equifax ( both by regular mail and fax ) a letter from XXXX XXXX that stated that the credit inquiry from XX/XX/XXXX was based on a fraudulent credit card application, accompanied by a number of supporting documents. This communication has been ignored. 

Equifax has so far been extremely unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent this document to Transunion and they are saying they have not received my document I would like the bankruptcy XXXX to be remove from my credit 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 2019-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex and I were divorced a few years back. As part of the divorce procedures we closed or removed one another from joint credit card accounts, however I now learn that the company in reference refused to remove my name as an account holder ( he was the primary account holder ). 
My ex continued to use the credit card without my knowledge and recently accumulated debt and decided to file for bankruptcy. The account in reference was included in the filing. 
Through a third party ( I was notified that one of my accounts was closed by another creditor due to adverse information on my credit report ) I learned that the creditor transferred the debt to me and reported the delinquency and amounts due as my debt. Numerous attempts to explain the situation and misunderstanding went unanswered. 
At this point the debt that he is responsible for ( I never even held a card for this account since the divorce ) is dismissed as part of the bankruptcy procedures and I am now made liable, my credit score adversely and very negatively affected, yet I can not do anything to resolve this misunderstanding. Since I have no knowledge of the account, all I know is what is reported on my credit report. I never received a statement and no collection attempt was made. The creditor can not show proof / contract that I am liable for the account - all they claim is that since my SSN and DOB ( which needless to say is information my ex had knowledge of ) are correct in the system, I am indeed liable and refuse to remove the adverse report against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Did not fix error

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 2019-06-10
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property at XXXX XXXX in the city of XXXX, New York XXXX had a fire in XXXX of XXXX. Back in XXXX I had mortgage on the property in the amount of XXXX dollars. My insurance on the property was through XXXX XXXX XXXX who issued a check with the Mortgage Servicer Seterus Inc. and myself on the check. Seterus had my attorney XXXX XXXX have me signed the check and they would refund the balance to me. They then stated that I owed the entire amount of {$62000.00} and refused to refund me the balance. My former Attorney XXXX XXXX has since retired and I have no legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: G&P Enterprises, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my HOA Dues using a Cashier 's Check. HOA committed Grant Theft by stealing my Checks ( 12 Cashiers checks works {$1400.00} ), after filing a small claim in XX/XX/XXXX HOA asked me to dismiss the case and accepted they have my checks but didn't cash it.

HOA sent this for collection and Allied Trustee Services, ignored the fact that payment was made using cashier 's check, a small claim was dismissed after mediation and they put a wrongful Lien on my property and they are now calling me to threaten to foreclose the home If I don't pay {$7300.00}.

Multiple mediation efforts with HOA Since XX/XX/XXXX Emailed Allied Trustee Since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a couple of medical bill from XXXX Medical Center these accts were paid by my medical ins. I never received bills from the hospital for anything!!! All I knew was when I checked my credit report the hospital had sold my information to a collection agency.Now I do have a copy of the Hipaa Law and I know that anytime your medical information is released without your authorization it is a violation of your rights.These are now reporting on all 3 of my credit files and this is not right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have informed all reporting agencies that I did not file bankruptcy.

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 2017-08-07
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: Their investigation did not fix an error on your report

Complaint:
I have informed all reporting agencies that I did not file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Chaparral Inc
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have told XXXX XXXX whose number is XXXX several times that my husband has lost his job and will be back at work at the end of this month. Via email and phone. Today I get a harassing text and phone call from someone stating that they are an investigator named " XXXX '' and that they are calling the Sheriff to come to my house. This was also communicated to my parents and friends I have listed as references on this motorcycle loan. The person than began to text message me repeatedly after I asked them to please stop. This has caused more stress than our financial situation we are currently going thru. I want this harassment and threats to end. We have never been late on any payments until this loss of employment happened. We should not have to deal with such harassment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26
Company: Spring Equity LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We obtained a home equity line of credit in XX/XX/XXXX with Spring EQ mortgage in XXXX, PA. In XXXX, we received a letter dated on XX/XX/XXXX, that the home equity line servicing was being transferred to a company called XXXX XXXX XXXX. As noted, the letter arrived XXXX due to the problems with the U.S. Postal Service. We did not receive an account statement for XXXX. 

We reached out to the number of new loan servicer. In the process, we discovered the name of the servicer was noted incorrectly in the letter. The correct name is XXXX XXXX XXXX. The company also said we were past due on our XXXX payment. However, we paid our XXXX payment on the 2nd via automatic clearing house, with Spring EQ, which has been the method of payment since the inception of the home equity line. Spring EQ also neglected to transfer our property insurance information. At no time from the receipt of the letter until we called the new servicer have received any communication from XXXX XXXX XXXX. They said on the phone an introductory letter went out on XX/XX/XXXX, which is odd given that our new payment would be due XX/XX/XXXX with a grace period that was yet to be determined. Moreover, we hand no other payments options provided but a XXXX  XXXX from Spring EQ. Why if we were delinquent did we not get information sooner. XXXX XXXX XXXX said they received the file on XX/XX/XXXX. None of this makes any sense. It also does not conform with standard practices of transfer of loan servicing. Is Spring EQ having financial issues? They are not taking calls.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Account status incorrect

Complaint:
XXXX XXXX  XXXX is reporting 2 erroneous late notations on my credit file. I recently sold my house and this loan was paid in full. I ended up selling the home in XXXX. However, my title company said that wiring the money over would take 30 days. I told them that they needed to hurry the transaction as it was XXXX and it only has 28 days. My title company ended up transferring the money over XX/XX/XXXX, which in any other month would have been the XXXX. XXXX XXXX also charges a late fee if you pay anything past the 16th which is ridiculous so they added a late fee. This account had been completely settled and paid by XX/XX/XXXX but they reported me late for XXXX? This was not my fault, I was never late on this account prior. I need the late notations removed from my credit file because I was never late, my title company just XXXX me over.

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 2017-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capitol One double charge me interest. I paid my account balance in full, and in their own words they used the interest from the last two months to charge me new interest. I have the screen shots of the conversation to back this up. This violates the CARD Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Retrieved a credit report XX/XX/XXXX and noticed that there were several accounts that had been removed from my report had reappeared on my credit report. I am aware that I am to be notified of this information within 5 days in which I have never been notified of. I reached out to XXXX, Equifax and XXXX on XX/XX/XXXX around XXXX-XXXX ( EST ). I made the request to have fraudulent and/or inaccurate information removed from my credit report. I faxed a written request with a copy of my driver 's license, passport and a utility bill as proof of identification. The fax was successfully transmitted to XXXX on XX/XX/XXXX at XXXX, Equifax on XX/XX/XXXX at XXXX, XXXX on XX/XX/XXXX at XXXX. To date, I have received updated personal information reports from Equifax and XXXX. I have not received any notification from XXXX. I have also been a victim of the most recent data breeches and I have added a fraud alert to my credit file after being made aware, via identity verification, that my information had been affected by the breech in XX/XX/XXXX. There are numerous inquiries being reported on my credit file that have not been authorized by me, therefore, are fraudulently being requested. I can verify that there should only be a few inquiries listed on my credit file from XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX ( XXXX XXXX XXXX ) in the latter part of XX/XX/XXXX. There were several accounts and inquiries that were removed and re-added to my report after the first breach of XX/XX/XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXs ) without notifying me which is also a violation. While I am not saying that the addition or removal of this information from my report is due to the breach however, I feel that it could be related. I am not denying owing any debt however ; I am requesting that the information being listed on my report is being done without violation. I am well aware of my rights as a consumer and I have tried to resolve these issues with the credit bureau on several occasions and the failure to respond to such request has made this complaint necessary. I have reached out to some of the creditors who have placed inquiries on my credit file and informed them of fraudulent activity/requests and requested that these inquiries be removed. I was advised to contact the credit bureaus to resolve the issue. I am being passed back and forth with no real resolutions therefore, I am filing a formal complaint. Prior to being made aware of this information, I was unaware that this information was being reported in the manner in which it was therefore, I am reaching out to all bureaus to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Benworth Capital Partners LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XXXX I applied for the PPP loan for the 1st time ever via XXXX. On XXXX XXXX I received a notification the I could not apply for the 1st draft loan because I had already received it. I thought this may be an error and I waited a few days to see if it would clear up on its own. After a few days the processing portal still showed that I received the loan for the 1st draft even thought I had never received it. I immediately called the SBA who is the government agency that provides the funding for the PPP loan. I explained to them exactly what was going on and I also provided them with the loan number that shows it was funded to me. After giving the loan number I was told that SBA could not provide any further information other than the loan was funded. I was told to contact the Attorney General Office and to speak to someone at XXXX. I have called XXXX and emailed and still have not received any type of communication back. Today I logged into my XXXX account and it now says the under of the 1st PPP loan was a company called Benworth. I called Benworth and after waiting over 2 hours to speak with a representative I was told to email my concerns and then the representative hung up on me. He did not take the loan number or any of my information. I have tried to contact Benworth numerous times and have had no luck in this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I worked very hard to get my private loans paid off and my federal loans consolidated with XXXX XXXX, and to keep myself in income based repayment. As soon as Navient took over, they continue to put me in forbearance and/or deferment even though I qualify for both income based and public service forgiveness. Because they have not held the interest during forbearance, by interest now comprises half of my total debt to them. I have made many good faith efforts to fix this, all to no avail, and have resorted to hiring a law firm. Navient should pay my legal/document preparation fees.

Company response to consumer: Closed with explanation