BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 had Two morgage back started in XX/XX/XXXX, in year XX/XX/XXXX we had issue in employment lost and burgary in house as a result we filed the application with XXXX XXXX XXXX and received approval for six month payment hold however XXXX XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX  XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX  XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than 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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is inaccurate and incomplete as there is no Name listed for this account and an FCRA violation. Account # XXXX The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.

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 2019-01-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My total loan from Naivent is {$140000.00}. I am currently paying {$1300.00} a month in student loan repayment. I am unable to afford this payment seeing as I work at a non profit and pay rent. My mother, who is my cosigner, recently lost her job and is not working right now. My monthly payment is over half my income. I have contacted Naivent on multiple occasions about lowering my monthly payment and they said there is nothing they can do about it. They suggested I consolidate my loans, but I do not have good credit. After graduating from college, I did a year of service called XXXX XXXX XXXX and could not pay my loans. Navient refused to put me in forbearance and therefore put late payments on my credit report. I asked them to remove the late payments so my credit could go up and they also refused. They have not been any help and are extremely rude. There is no way I can continue paying the {$1300.00} a month and I am not sure what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I did one transfer of {$150.00} through XXXX from my Citibank checking account to my XXXX XXXX checking account. The money left my Citibank account right away but until now I didn't receive my money on my XXXX XXXX account. I've been calling Citibank since than and they've told me twice that they would credit the money in my account but until now nothing. Simply, they disappear with my money and don't want to pay be back, it's been 3 weeks already.

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 2017-08-04
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I never applied for the said student loan nor i had ever intended or will ever intend to apply for student loan with XXXX XXXX XXXX. I had informed the company and the company requested affidavit confirming this and I, a victim of ID theft, has executed the attached affidavit to that end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX  XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since I submitted the original complaint  XXXX , the egregious error have tripled with over {$170000.00} of credit removed from my report. Below is the letter sent to Equifax in great detail.
<P/>
I am a authorized user on several of my husbands accounts. During the month of  XXXX , Equifax has removed every account that I am a authorized user. Before the month of  XXXX , Equifax reported all authorized accounts correctly. My accounts are being correctly reported on   XXXX   and   XXXX   XXXX  .
<P/>
In an effort to correct this error with Equifax, I called several times over the last couple of weeks and spoke to numerous people at Equifax. I was advised that I should call the creditors to ensure that they were reporting me as an authorize user. In the 20 hours on the phone with Equifax some representatives were unwilling to listen or help. I called EVERY creditor impacted and they assured me that I was being reported to all   XXXX   bureaus every month.  XXXX  and   XXXX   sent mid month updates which was reflected on my husbands credit report but not on mine. The accounts that were removed on my credit report for the month of   XXXX   are :   XXXX   XXXX   XXXX   Credit Limit   XXXX      XXXX   XXXX   XXXX  . Credit Limit  XXXX    XXXX   XXXX  . Credit Limit  XXXX    XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   XXXX   Credit Limit.  XXXX    XXXX   XXXX   XXXX   Credit Limit  XXXX   XXXX  Credit Limit  XXXX    XXXX   XXXX   XXXX   XXXX  . Credit Limit   XXXX    XXXX . Credit Limit  XXXX    XXXX   XXXX   Credit Limit   XXXX   In total Equifax has removed {$170000.00} of credit from my credit report. This has negatively impacted my credit by reducing my credit score and increasing my utilization. Something is definitely wrong when at least 12 creditors who are reporting accurately and Equifax is the only bureau not capturing the data correctly. This has impacted my ability to apply for credit for a car I am purchasing. I live in  XXXX  Georgia and many lenders pull credit with Equifax since we are both located here.
<P/>
Your immediate attention is needed to resolve this horrendous error made by Equifax. I have been unable to dispute this issue via your system because the accounts are no longer appearing on my report and you can only dispute credit that appears on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
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 fraud alerts or security freezes

Complaint:
On XX/XX/2017, I had a security freeze placed on my credit ( see attached ), for which I paid {$3.00}. Recently, when I logged in, I see that the security freeze has been removed without my permission. I have tried calling the company ( Experian ) multiple times on multiple days but can not get through. I have tried sending them the online forms on their website but these do not work at all! I just get error messages which make no sense. 

This is especially distressing because my house was burgled and personal information was stolen in the last couple years.

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 2017-06-19
Company: Experian Information Solutions Inc.
State: MD
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 have filed a dispute with the Cfpb in regards to XXXX XXXX falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called XXXX XXXX this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.

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 2017-06-19
Company: EQUIFAX, INC.
State: MD
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 have filed a dispute with the Cfpb in regards to XXXX XXXX falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called XXXX XXXX this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requesting Immediate Review by the Consumer Financial Protection Bureau ( CFPB ) : -Notification received via email on  XXXX /2017 at   XXXX   XXXX  . from  XXXX  of a change to   XXXX    Credit report after careful monitoring weekly for over 12 months.
-Upon research, a collection was posted by : MIDWST RCVRY ,   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   , MO  XXXX  for {$3300.00}.
-To date, the CFPB has received 127 complaints about MIDWST RCVRY in 2017 --   XXXX   XXXX   XXXX   of 2017 already and   XXXX   XXXX   XXXX   2017-all similar to mine where collections appear with no notification to consumer prior to submission to Credit Bureau . In many cases, it is also where the consumer has no knowledge of debt or is associated with a payday loan company.
-CFPB database contains nearly 400 complaints about MIDWST RCVRY.
-Upon further investigation, this was provided to   XXXX   and   XXXX    only. Disputes have been filed with all  XXXX  major credit bureaus.
-Type/Rate of item on credit report are unusual code " OPN 09 '' and seen less frequently by the credit bureaus.
-This is damaging information to consumer credit reports and must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Information belongs to someone else

Complaint:
XXXX XXXX and XXXX XXXX have put two separate debts with a collection agency, thus negatively affecting my credit. 
Neither of these accounts refer to me, I have never lived at the addresses, or indeed in the states referenced. 
I have been unable to contact either company, who seem to be expert at dodging calls. 
I have filed a police report stating XXXX, which I have sent to the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Ocwen Financial Corporation
State: NE
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 filed a complaint with the CFPB, in XX/XX/XXXX when I discovered an error in reporting by Ocwen Loan Servicing. Ocwen responded with a letter stating they would correct the reporting with all 4 major credit report companies, ( see attached ). I've been getting turned down for credit cards, so I requested a copy of my credit report from XXXX. 
The first item on the report is the payment history from Ocwen. It still shows late payments for XXXX - XX/XX/XXXX and a 150 day late payment in XX/XX/XXXX. I just reviewed my complaints to the CFPB, and it shows that I did file a complaint and that Ocwen responded with a letter dated XX/XX/XXXX. Letter states that they would get it corrected. 
Obviously, Ocwen is a disaster! Please penalize them, and require them to get this corrected on all credit reporting sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of this year 2020 my VA loan was sold to Nationstar Mortage. In the correspondence, the selling agent stated unless I chose to obtain a different lender, all aspects of my account would stay the same. I was enrolled in an accelerated payment program that deducted 1/2 of my mortgage payment biweekly which would result in an additional payment or 2 at the end of the physical year. I contacted Nationstar to inform them that I was in the accelerated program and it was my understanding that the payment arrangement would remain the same. The customer service representative told me that they did not have any such program. All payments made were to be in full on the designated due date. Any partial payments made would not be applied to the loan and sit in a temporary count until the full payment amount was collected. Any funds sitting in the temp account for too long would be returned to the sender. In addition, he expressly told me there were 2 avenues to making a payment ; sign up to have the full amount debited from my account at no charge or pay a fee to have bi-weekly debits from my account. I chose neither. I arranged through my bank to make bi-weekly payments just as I had done over the previous 15 years of the loan. Each payment has sat in an unapplied payment account all too often resulting in missed monthly payments and late fees being incurred. Just recently I was informed that my loan was in default for the same amount that sits in an unapplied account. While Nationstar did not honor the previous payment arrangements as agreed when they bought my VA loan, they are purposely not applying any and all payments sent throughout the billing cycle resulting in late fees and now delinquent payments that could be avoided. Each time this happens it adds to the life of what should be 15 years left on a 30-year loan. No matter when any payments are rendered it should be applied directly to the loan upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just got a letter in the mail about the data breach for XXXX XXXX. I have a Case no. and I have just still trying to get things straight after the Equifax breach. 
I want to know why nothing is being done to protect me from this again So now my information is out there for thieves again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: Endpoint Resolution Services (ERS)
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX complaint XXXX I filed a complaint with the cfpb about endpoint how they called and spoke to my brother and daughter. In their response dated XXXX the same response they gave the bbb they would stop trying to contact with me. NOT only have they not stopped they are now contacting my ex wife on her house phone and her husband on his work phone. I have been divorced for 26 years. I will be filing a lawsuit if this does not stopped. They put in writing they would stop and they have not! They are in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: MD
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:
EXPERIAN, XXXX  AND XXXX  ALLOW THE COLLECTION ACCOUNT WITH XXXX  XXXX  TO LEAVE INFORMATION BLANK AND INCOMPLETE. EXPERIAN, XXXX  AND XXXX  MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! EXPERIAN XXXX  AND XXXX  PURPOSELY ALLOWS XXXX XXXX TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. EXPERIAN XXXX, AND XXXX ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW. THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!

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 2018-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I would like to dispute the below transactions : 1 ) Bank of America charge of {$11000.00} XXXX XXXX XXXX For the Cure Visa Signature - XXXX Transaction Date : XX/XX/2018 Claim amount : {$11000.00} Claim ID : XXXX Merchant name : XXXX XXXX XXXX NC. 

2 ) Bank Of America charge of {$5000.00} Major League Baseball World Mastercard -  XXXX Transaction Date : XX/XX/2018 Claim Amount : {$5000.00} Claim ID : XXXX Merchant Name : XXXX XXXX XXXX NC. 

3 ) Bank Of America charge of {$1000.00} Bank Of America Bank Card - XXXX Transaction Date : XX/XX/2018 Claim Amount : {$1000.00} Merchant Name : XXXX XXXX XXXX NC. 

4 ) Bank Of America charge of {$2500.00} Bank Of America Bank Card - XXXX Transaction Date : XX/XX/2018 Claim Amount : {$2500.00} Claim ID : XXXX Merchant Name : XXXX XXXX XXXX NC. 

Total Amount In Dispute : {$19.00}, XXXX Plus Interests Accrued while disputing with Bank of America. 

XXXX was shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. XXXX was permanently shut down by the receiver on XX/XX/2018. I would like to dispute XXXX  because the merchant ( XXXX  ) had failed to perform based on the agreement and contract we signed. The lifetime access to website training is no longer there. 

The XXXX XXXX that was scheduled in XX/XX/2018 ( a 10 day all expense paid trip ) was also canceled. I tried to contact XXXX, but unable to reach anyone because it was shut down by the FTC. 

Later on, the receiver acted on behalf for the merchant to respond to the bank. The disputed amount was a valid charge but the merchant was unable to perform due to the shutdown. In the same time, I contact Bank of America numerous times to dispute the amount. 

I have provided the official document from FTC, my agreement/contract with XXXX, the receipt from XXXX, and many other supportive documents to Bank of America to  support my dispute. 

The dispute team was very difficult to contact, and the dispute was first denied several times with a warning to stop sending them my claim. I am in distress!

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