BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX FOR {$14000.00}, XXXX/XXXX XXXX  opened XX/XX/XXXX XXXX FOR {$0.00} XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} , XXXX opened XX/XX/XXXX XXXX {$4900.00}, XXXX  XXXX  XXXX opened XX/XX/XXXX XXXX FOR {$14000.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX FOR {$5100.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA , under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2018-04-21
Company: Riverwalk Financial Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX-XXXX-18 and XXXX-XXXX-18 XXXX and XXXX accepted and added a fraudulent debt to my credit file from a company called XXXX XXXX XXXX. This debt of {$1100.00} does not belong to me in any way shape or form and XXXX  and XXXX should not have allowed this to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I been trying to dispute an account with Equifax and they refuse to give me an update the account is not mine and the three other agencies have removed the account from my credit report except Equifax. You'll have better luck taking to a brick wall instead of these people. 

The account that's questionable is XXXX credit auto that was open on XX/XX/2016. 

Again that account is not mine but they refuse to give me any information simply because I can't remember old accounts that I had when I was younger.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: FC HoldCo LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inaccurate information on 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 2017-12-01
Company: Navient Solutions, LLC.
State: KS
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:
The school closed and said i took out a lot of loans and i didnt. ther is no contact information to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
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: Account information incorrect

Complaint:
This account has been paid to a XXXX  balance. 


XXXX XXXX Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months

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 2018-04-21
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: Account status incorrect

Complaint:
According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and XXXX XXXX XXXX ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. Around XX/XX/XXXX of XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and XXXX/ Equifax/ XXXX continue to allow for the information to be removed and replaced back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Have been attempting for several months to have these collections removed from my account that via Section 609, the bureaus can not prove are my accounts. Many of these collection agencies are not licensed and bonded to collect. These are fraudulently placed on my account and do not belong 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 2021-09-10
Company: GreenSky, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello- Our house had a sewer breakage. We had a plumber repair the damage and recommended a financing option- GreenSky. He said we could pay it over 12 months with ZERO interest. We proceeded and got the loan. 
I have proof that I have been trying to make payments. 
1 ) First payment XX/XX/21. Then it was FAILED and returned to me on XX/XX/XXXX. 
2 ) 2nd time- XX/XX/21. I called this time and explained. Then on XX/XX/21 FAILED and returned to me. Specifically I called and talked to a teller who promised she would process payment. 

This company is fraudulent and rejecting payments to charge interest. I will also file a complaint with the XXXX  but I think one should investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bought this net spend card from XXXX XXXX for XXXX for my daughters school clothes shopping. They would not activate it unless I sent them a copy of my social security card and drivers license. XXXX days later after sending them the information its still doesnt work and a copy of my social security card was not a requirement although their staff told me I had to send 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 2020-05-06
Company: NCB Management Services Inc.
State: NJ
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:
Double jeopardy XXXX XXXX Soled the debt to XXXX XXXX, who is reporting it as a charge off, but the same debt is reported by collection agency By the name of NCB management service amounts incorrect the used information that I gave them lately to up date to keep on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am trying to make additional payments against the principal on my mortgage with Freedom Mortgage, the servicing company. This is a new mortgage ( XX/XX/XXXX ). I make the normal monthly payment directly to them via EFT from my bank. This monthly payment is for servicing the principal, interest and escrow. 

I tried to make an additional payment directly against the principal by sending a check. The check was notated to indicate I wanted it applied to the principal. I sent the check with a letter of explanation that the payment was for servicing the principal only. 

After Freedom Mortgage received the letter of explanation with the payment, they recorded it as " unapplied funds. '' Unapplied funds are held until there is enough to submit a regular payment to service the principal and interest. When I saw this on my statement, I called to request an explanation. 

I was told that in order to make a payment against the principal I would either have to use their web application and provide payment method information or call every time I sent a check and request verbally that the payment is to be applied to the principal only. The representative that relayed this information was XXXX, ID # XXXX. The date and time of the call was XX/XX/XXXX at XXXX. 

The online web application does not allow principal payments only. Rather you have to use their application to submit a principal payment together with the regular payment. To do so one must provide payment method information ( bank account, credit card, etc ). As I stated, I service the mortgage via EFT from my bank account. 

This business practice seems to intentionally make it difficult for a consumer to make a payment against the outstanding principal balance. This is evident in their web application intentionally omitting functionality that would allow a consumer to make a principal payment only. The other issue I have is that they do not openly disclose this, rather the consumer has to proactively engage the company to discover this practice. Because of not applying the amount to the principal as I instructed in writing, I incurred additional interest on an outstanding balance that should have been reduced by my payment. 

Is this behavior from freedom Mortgage compliant with the existing consumer protection laws?

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 2017-12-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
According to chase JP Morgan they did an investigation and the transactions are legal but I have never authorized this reversals or done this in my life they didnt even call me to confirm this transaction and the money they are saying they returned XXXX account the XXXX dlares I have never received theres a mother transaction that I call them about and I called the people from the 800 number on the transaction this people dont even have information about me and they still charged my account for this money I have had to change my account for a new account after changing my debit card 3 time for the same problem and my girlfriends account is been jacked too hers they are involving XXXX car insurance but we are working with XXXX they are going to investigate

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Refinance complaint against Amersave. 

Data : Loan # XXXX, XXXX XXXX XXXX Customer : XXXX XXXX XXXX, XXXX Agents : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX Issue : I was asked to pay for a appraisal to complete the loan process with a preferred rate. All other documents have been received and process. The lender indicated that the Appraisal has been completed for 15 days but they do not have access to report. I asked if I could have the name of the appraisal company that I paid for? The rep said no. I asked why? no response. I asked if their was a reason for the delay other than waiting until the rates go up? they said that would not happen. I asked them how to lock the rate? No one would answer the question. 

I am asking them specifically to provide the information on the company that completed the appraisal that I paid for. Am I allowed to have this information to verify for myself why the report is delayed.

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 2021-09-10
Company: CITIBANK, N.A.
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:
On XX/XX/2021, I was a victim of identity theft. I have an active police report and case open regarding this matter. I noticed a hard inquiry from XXXX on my credit report that I did not authorize. I have already reached out to XXXX ( citi bank ) regarding this matter and they were unwilling to help me resolve it. I am requesting this unauthorized and fraudulent hard inquiry be removed from my XXXX credit report. Last XXXX of XXXX is XXXX. Thank you

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 2021-02-11
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:
Trans union dropped my score 39 points when I called them and asked what changed to cause it they said nothing has changed except one hard inquiry which could not cause a 39 point drop! I have been working on my credit for two years and was making slow progress until two days ago when my score dropped 39 points for no reason!! I called transunion and XXXX XXXX  neither could explain this point drop! 

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 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies TransUnion, XXXX, and XXXX have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. TransUnion and XXXX  even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also TransUnion, XXXX, and XXXX  state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that 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 2020-08-26
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX   XXXX {$3300.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$3600.00} XXXX XXXX {$6300.00} XXXX  XXXX {$14000.00} XXXX XXXXXXXX {$6500.00} XXXX XXXX  XXXX {$8000.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$6200.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$120000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX {$85.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$40000.00} XXXX XXXX  XXXX {$3600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: PA
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:
Inquire accounts that not a obligation of mines appears on my credit report 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
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: Account status incorrect

Complaint:
I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management began contacting me in XXXX of 2020. The agents constantly called me trying to get me to pay a debt to a company that I was never a consumer/creditor with. They violated my privacy, which made me feel like they were committing identity theft upon me. They sent papers to my house multiple times with their intimidating logos and their messages. They made me feel guilty for something I had never done regarding their company. They made me feel worthless and that my reputation was ruined. I believe they used false and misleading claims/communication along with unfair practices telling me that I owe something they have no proof that I owe. 
They stole my identity by locating my information, i.e. my name or social security number, and I never gave them consent to use it. 
I know this is a violation of my rights under 15 USC 1692 and 15 USC 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we started an application to AmeriSave Mortgage Corp, which agreed to provide a re-financing mortgage, loan number XXXX, for {$190000.00} for 30 years, at a fixed rate of 2.125 %. In a XX/XX/XXXX, email from sales manager XXXX XXXX to us, AmeriSave agreed to lock that rate. On XXXX XXXX, AmeriSave changed the rate to 2.25 %. We requested 2.125 ; they repeatedly said the rate would be 2.125 %, but at closing the rate was 2.25 %, which we signed under protest. 

We believe the facts are not in dispute. We and AmeriSave both have the original and as-signed loan documents as well as the correspondence between XXXX XXXX and us.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief