BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I sent out a 30 day notice requesting that my account be investigated for any inaccuracies. I didn't receive any correspondence regarding the outcome. I applied for an annual report and found out my account was locked. I received additional information of credit denial because of the inability to verify information on my credit report. 
I also filed a dispute regarding the following companies for filing inaccurate information : XXXX. XXXX XXXX XXXX - This account has been paid off in full, talk to manager who agreed to update credit file, however it still being reported 2. XXXX XXXX- I contacted XXXX stating that this account was a business account and should not be reported on my personal file. I still receive harassing phone calls for this debt, and it's still being reported on my credit file. 
3. XXXX - The information is being reported inaccurately, the current file reports a write off mixed with the current open account which is paid without delays. 
4. XXXXXXXX XXXX, XXXX XXXX received derogatory information causing a denial of a request for a mortgage and/or FHA and Conventional Loan. 

I have been denied a mortgage because the credit bureaus ( all 3 credit bureau ) are reporting inaccurate and false information. There are several current accounts being reported as possible negative accounts. This has caused irreparable harm. 

The 30 day request to update my account after an investigation and accurately report my credit. Currently my credit is being reported as 38 delinquent credit reports, unsatisfied bankruptcy, and etc.,

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 2017-10-06
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a Discover Bank customer and must escalate a very serious cheating incident by your customer service XXXX. On XXXX/XXXX/XXXX, I called your customer service to close my XXXX savings account. Meanwhile I requested the refund check of the remaining balance in my savings account. The customer service XXXX promised to send me the refund check by expedited mail XXXX XXXX XXXX. The name of this XXXX is XXXX XXXX and she is in XXXX XXXX XXXX location. 

Then on XXXX/XXXX/XXXX, I called your customer service to ask for the FedEx tracking number of my refund check. The customer service XXXX said that she will contact the back office and will call me back with FedEx tracking number. This time the customer service XXXX 's first name is XXXX and her agent ID # is XXXX. Today this XXXX called me back and told me that the refund check was mailed out on Monday via FedEx. However, she said she did n't have FedEx tracking # for me. 

This evening I had to call FedEx to inquire about this FedEx mail from Discover Bank. After I provided my mailing address to FedEx, I was informed that no FedEx package being sent to my address was found in their system. Apparently your XXXX customer service XXXX XXXX XXXX ID # XXXX ) was cheating on me because either the refund check has not been mailed out yet or it was mailed via regular post office mail instead of FedEx. 

I feel so frustrated that your Discover Bank customer service XXXX does n't have any business integrity but instead has been lying and cheating on customers. It is NOT acceptable to me. 

I request that Discover Bank XXXX XXXX to investigate this incident and take disciplinary action on the customer service XXXX who was cheating. Meanwhile, I request Discover Bank to compensate me {$100.00} for this incident. In addition, I ask your CEO to call me and tell me where my balance refund check is. My phone number is XXXX. I hope to resolve this incident with you before reporting to Consumer Financial Protection Bureau as well as all national media and social media. 

For you to locate my account, my address is XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: KEYCORP
State: IN
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:
Unauthorized withdrawal via check that caused overdrawn fee. Brought account current and requested to close. Tried to add additional funds to account because they stated they couldn't close the account because of the transaction that brought it current to close it and another institution didn't cancel their transaction despite me deleting my bank account from their site. Additional funds failed to add for unknown reason. New posted transactions brought {$0.00} account negative continuing to prevent closure. All this because a company sent in a phony looking check with no actual signature on it and the bank couldn't close my account when I asked them to and started charging up fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The account in discussion is Keybank NA account # XXXX the issue at hand is a late pay reported in XX/XX/2020, due to Covid-19 I was unable to make the payment. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 personally sent a letter for debt removal all accounts in my letter and all non account holding inquiries older than 30 days to TransUnion by certified mail. Which mean the bureau could process the letter because it was mailed by me. The tracking number states that the letter was received by agent on XX/XX/XXXX and it was never processed. Which further held damage against my credit report. The incompetence of TransUnion is damaging to me improving my credit profile.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: TX
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-05
Company: EQUIFAX, INC.
State: IA
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Navient Solutions, LLC.
State: MN
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 have Navient as a loan service. I am on a low income based plan because I have loans from XXXX and graduate school. I made payments, did the yearly income verification and setup auto payment for a few years. 

Towards the end of XXXX XXXX, I was laid off. I called Navient, said I was laid off and had the paperwork from previous employer and the unemployment office. I was told that they would defer it and no payments would be due. I asked if anything else could be done because I know that I have to make 25 years of qualifying payments for forgiveness and I wouldnt owe much on my income based plan. I was told that it wasnt my time for income verification and could not do anything except a forebearance. It took me several months and XXXX states to find another job because if my circumstances. 

I found a new job at a startup, eventually got back on my feet and did the income verification with my new employer. In XXXX XXXX, I was laid off again as most of the startup company started to go under ( and is now out of business ). I called again with my paperwork ready. I was once again told that I could only do a forbearance, there was no other option. Having gone through this before, I thought that was the truth. 

It took me a few more months to once again get back on my feet and am still struggling after so many months of being laid off. My forbearance ended, my income verification came up and the fraud protection on the IRS site that links your tax return to the Department of Education was in effect at that time as well. This caused me to be late on payments, and Navient filed a 90 day late on my credit report. However, if I had the option to do a verification of income when I was laid off, there would not have been any late payments. This one mark is crippling my credit severely impacted. 

I was not offered, told or suggested that there was the opportunity to reverify my income. Only that you do that once per year. I didnt know that option until all of the consumer articles came out over the summer and recently, and I looked more into the complaints. I now have roughly two years where I would have qualified for a lower to no payment based on my income based plan but its shown as a in forbearance that doesnt go towards the 25 years of payments. This has lead to higher interest amounts and an extra two years of payments and interest that will go to them. I really think I was blatantly defrauded at a very trying time where I took them for their word and was very distraught after losing my job. Because I went to college and graduate school, this is going to cost my extra thousands if not more. Something has to be done, because between the credit report hit and them extending the life of my loan, Ive become extremely financially crippled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Alliance One, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX my wife received a letter from XXXX XXXX XXXX XXXX XXXX, GIg Harbour, Washington XXXX. In that letter they listed debts solely owed by me and attempted to convince her she too was responsible. The debt involves unpaid parking tickets on a vehicle solely owned by me. The account # is XXXX. Not only did they share privileged financial information with a non party but they attempted to convince my wife she was responsible for the debt. XXXX XXXX also refused to provide the nys licensing information and indicated that she was not required to do so. XXXX also would not let me speak and indicated that my wife would be in trouble if she did not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Automated calls are often and repeated, it states they are from Bank of America, they are looking for an XXXX and XXXX XXXX who have never lived here or have had my number. I have had the same phone number for 15 years. 
One I did speak to a live person and informed him those people do not live here and the calls stopped for a while, today alone, I received 5 calls it was automated, it states if I am not XXXX or XXXX to press 2, I did press 2 and nothing happened, so I hung up, as soon as I hung up, they called again, same message, I continued pressing 2 to show I am not them, still the calls continued to come in. This is not only an annoyance, it is harassment.

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 2019-07-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX ) XXXX Started a debt in XX/XX/2016. From what I can tell when speaking with them this debt is for an apartment that flooded in 2016. I moved after the flood and did not return. I have explained that this debt is not valid. They are very rude. 

My main complaint with this company is that since they took this account into collections this company has increased the balance on this account monthly. I have not received any documentation from this company to validate the debt, or validation that they have a right to keep adding money to this account monthly for over two years. I have tried to find relief through credit dispute, but they only answer with a letter stating that they can not give info to third party without a signed form but will not provide the form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: AES/PHEAA
State: TX
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/2019 a letter was sent to fed loan in regards to a consolidated loan/deferrment that was approved but does not reflect on credit reporting. Account shows current however in credit reporting shows 90 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Specialized Loan Servicing Holdings LLC
State: SC
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:
This account max delinquency date is from sometime in XXXX. The account itself was charged off on XX/XX/XXXX. XXXX  is still reporting SLS 's account as XXXX verified in XX/XX/XXXX per a conversation with SLS that the account max delinquency date was in XXXX! This is incorrect and inaccurate information. I need a letter from SLS to provide XXXX that clearly states that this account was charged off on XX/XX/XXXX. I have spoken to my point of contact XXXX at SLS several times and he has been more than helpful but there is only so much information he can provide. The payment history he has given does show the charge off on XX/XX/XXXX but it is not clear enough for 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 2022-04-05
Company: Experian Information Solutions Inc.
State: IA
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX THE XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: Ditech Financial LLC
State: KY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My loan was transferred to XXXX XXXX XXXX, Loan # XXXX, serving company on XX/XX/19. I have not been able to get with touch with someone regarding my account. Everytime I call they acknowledge that I have an account and then state I can not make payments. This loan was XXXX current with Ditech Servicing prior to this transfer. I have attempted to call all numbers affiliated with this servicing company. I have spent 3-4 hours EVERY DAY for the past week attempting to make the payment. I am put on hold, transferred, hung up on. I have all phone records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Asset Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX contacted me demanding payment owed to XXXX XXXX XXXX Asset Recovery Corporation and they quoted the beginning balance is due. The beginning balance goes back to the original lender XXXX XXXX XXXX. The written demand for payment indicates no payment since 2016. Which is absolutely not true! I expressed this to the customer service agent and I told him I would contact Asset Recovery to discuss it. He stated that they will just refer me back to him. I requested a letter in writing and what I received is what is indicated above, which is the wrong information.

Company response to consumer: Closed with explanation