BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX  XXXX XXXX failed to abide by the National Mortgage Settlement of XXXX and modify our second mortgage after our first was modified. We had to file a complaint with XXXX  XXXX  who then took our first mortgage from XXXX, modified it, and sent it to XXXX for servicing ( XX/XX/XXXX ). We were then instructed by XXXX  XXXX to follow through with the modification of the second mortgage with XXXX who had to modify it based on the first qualifying. XXXX  XXXX XXXX would not speak to us and just repeatedly sent us modification packages which they repeatedly lost when returned. In XX/XX/XXXX, XXXX finally spoke to us on the phone to tell us they sold the mortgage to XXXX and no longer had interest. We received a letter from XXXX informing us but did not hear from them again. XXXX  then sold the mortgage again in XX/XX/XXXX to a private investor, XXXX XXXX - who has now served us with foreclosure papers as well as a statement charging interest back to XXXX. We have tried over and over through the years to get XXXX to modify but they just ignored us. Planet Home Lending is servicing the second Mortgage for the private investor  and we are trying to get them to agree to settle on a reduced payoff. They want us to pay a lump payment and then make payments for the life of the loan. We do not feel this is just as XXXX did not abide by the National Mortgage Settlement. 
Where are our rights? The National Mortgage Settlement was put in place for people like us and XXXX gets to violate a federal settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$180.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX/XXXX XXXX {$85.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX   XXXX {$190.00} CONVERGENT OUTSCORING XXXX {$940.00}

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 2018-04-24
Company: Credit Service Company, INC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Service CO is reporting on my credit and attempting to collect on a debt that is erroneous and past the statute of limitations. 
This debt is from 2011 and I am a XXXX I was in a XXXX XXXX XXXX and had to go to the hospital. So for one this debt was covered under workers comp! For 2 it is past the statute of limitations in UT.

Last, they are in violation of the FCRA for continuing to update the LAST ACTIVE date. The LAST ACTIVE date is when payments are being made. So they continue to update this date monthly which will keep this erroneous debt on my credit report. 
They are obviously in violation and if they do not fix this then the next correspondence will be from my attorney. I XXXX XXXX for a living and these guys harass me for years on a debt that was paid and is old. Someone needs to do something about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I own a discover card and was going through a financial hardship and missed a payment of XXXX on one month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/19, I received a notice from XXXX that they would no longer be investigating 7 accounts that are incorrectly being reported on my credit report. According to XXXX, XXXX bank is being listed as holding seven accounts of mine. After repeatedly asking both XXXX and ALL THREE of the credit bureaus for proof that a relationship between myself and XXXX bank existed, no one responded. Finally, on XX/XX/2019, I received a response from XXXX bank claiming that they were unable to identify the accounts being disputed. I sent this letter to all three bureaus, yet, no action to remove these wrong, negative accounts occurred. I then called XXXX Bank who confirmed that they had no idea what I was talking about, and referred me back to the bureaus. Although XXXX brought this to my attention, XXXX, TransUnion and XXXX are all reporting this incorrectly. Attached are the following documents : 1. The dispute letter asking for validation or signed agreement between XXXX and myself. 
2. Their response, informing me that they were not able to identify the accounts being disputed. 
3. The list of all seven accounts on XXXX, clearly showing that XXXX Bank is reporting this information. 
4. Another shot from XXXX showing that they are reporting late payments, despite me never having a debt to 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 2018-12-11
Company: Lending Club Corp
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX Bank all send me a denial/rejection letter for application of credit that I did not applied for. In the past i have placed a Fraud alert and a Security Freeze on my XXXX, XXXX, and XXXX  credit bureaus and yet other have an open access and is using my identity fraudulent. : 1. XXXX Bank XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX Bank XXXX XXXX   XXXX  XXXX XXXX, OH XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Experian Information Solutions 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 information incorrect

Complaint:
I purchased the car in XXXX at a purchase price of less than $ 10K. XXXX repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. XXXX needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. XXXX also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
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 information incorrect

Complaint:
I purchased the car in XXXX at a purchase price of less than $ 10K. XXXX repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. XXXX needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. XXXX also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'VE CONTACTED TSI ( TRANSWORLD SYSTEMS INC ) on multiple occasions ( XX/XX/XXXX ) & ( XX/XX/XXXX ) WITH NO RESPONSES VIA MAIL. I'VE ASKED FOR VALIDATION OF DEBT, THEY CLEARLY VIOLATED FEDERAL LAW, BY BLATANTLY IGNORING DEBT VALIDATION LETTERS AND REQUEST FOR CONTRACT BEARING MY SIGNATURE. THESE ARE NOT MY DEBTS, I'VE HAD NO COLLECTION ACCOUNTS SINCE MY BANKRUPTCY IN XXXX. I'M WORKING TO REFINANCE MY HOME AND THIS HAS BEEN A SEVERE HINDRANCE QUALIFYING FOR FINANCING. 
ACCOUNT # XXXX {$3200.00} & XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: American First Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American First Finance company is scaming people out of money for payments. They charged me XXXX in leasing services and fees on top of the XXXX i owed on the furniture. 
I made a total of XXXX in payments on the furniture that i took out which are : bed XXXX mattress XXXX box spring XXXX dinette set XXXX dresser/mirror XXXX chest XXXX sectional and ottoman XXXX night statnd XXXX mattress protector- XXXX I sent back the sofa, dinette, dressor/mirror ( to a charity of choice which they said do and keep the reciept and send to them ). I sent them the reciept and they are still saying i owe XXXX. I have read severl reviews on this company and they are doing that to everyone. 

i have called the company on more than one occasion and they cant tell me what XXXX in leasing fees and serivces comes from or how they break it down " its just something the computer generates ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-31
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: Information belongs to someone else

Complaint:
As I was reviewing my credit report I examined a large amount of incorrect information listed on my report. I was apart of a massive data breach in the 2013 XXXX breach. The event of the breach severely exposed ALL of my personal information.. The negative items listed on my report that I was unaware of are due to me being a victim of identity Fraud. I am requesting that ALL of the items are removed or blocked off my report immediately according to the Fair credit reporting act section 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: KEYCORP
State: WA
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:
Key Bank approved a fraudulent charge of {$140.00} on my Master Card ending in XXXX. I had ordered a teeth whitening product online from XXXX and paid {$8.00} up front on my MC with a guaranteed " TRY BEFORE YOU BUY '' trial period, which begins 10 days after I receive the product. I received the product on XX/XX/2018 but XXXX charged my CC {$140.00} on XX/XX/2018. Thus, they wrongfully charged my CC a full 6 days before my " TRY BEFORE YOU BUY '' trial period of 10 days had ended. I called XXXX XXXX on XX/XX/2018 when I noticed the {$140.00} charge to dispute it, but their representative told me they wouldn't reverse the charge. I asked to speak with their supervisor, but they told me their supervisor was not available. After I got off the phone with them, I called Key Bank 's Credit Card Dispute line and told them I'm disputing the charge. 

Key Bank mailed me the attached Dispute form letter on XX/XX/2018 asking me to respond back to them by XX/XX/2018. I mailed them my attached response letter on XX/XX/2018 disputing the {$140.00} charge ( see attached Certified Mail Receipt ). 

Key Bank then mailed me the attached letter on XX/XX/2018 stating that the {$140.00} charge was a valid charge, even though I told Key Bank that I tried to avoid the {$140.00} charge by calling XXXX  to cancel within my 10 day guaranteed " TRY BEFORE YOU BUY '' trial period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: U.S. BANCORP
State: AZ
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:
I bought two " will call " XXXX  Tickets to be picked up & used by my indigent friends in XXXX, Az at a XXXX   XXXX serving as a station.this was on XX/XX/2018 on my US Bank credit Visa card. Last four XXXX ... .When they arrived before departure they were told the bus was running two or  more hours late out of XXXX XXXX XXXX Nv Since it was cold &  uncomfortable they asked to have their tickets rescheduled for a later time but were told that it would cost {$40.00} more CASH ONLY to reschedule, my friends had no funds & the clerk could NOT take an additional charge to my debit or charge cards. My friends could not borrow or come up with additional CASH! This whole incident is / was outrageous & unfair! The tickets were never used! I therefore have requested a dispute of the {$190.00} on my credit card ... ..the bank initially complied but the XXXX XXXX XXXX disputed my complaint! Thank you, 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 2018-12-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
As I was reviewing my credit report I examined a large amount of incorrect information listed on my report. I was apart of a massive data breach in the 2013 XXXX breach. The event of the breach severely exposed ALL of my personal information.. The negative items listed on my report that I was unaware of are due to me being a victim of identity Fraud. I am requesting that ALL of the items are removed or blocked off my report immediately according to the Fair credit reporting act section 605B.

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 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 submitted a complaint previously stating that XXXX XXXX listed two late payments on my account in XX/XX/XXXX and XX/XX/XXXX that were paid on time and I provided proof. XXXX  and Transunion both sided with my dispute and altered the inaccurate information reflected on my account. Several months later the creditor changed the information back to the inaccurate version, and now the false late payments show up on my account again as I'm trying to qualify for a mortgage. These supposed late payments were already proven to be false -- all payments have been made on time.

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 2021-08-13
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 information incorrect

Complaint:
XX/XX/XXXX - Sent in a dispute to XXXX and to all 3 credit Bureaus requesting that the account get investigated for accuracy. The credit bureaus and the XXXX came back and stated that the account was verified as accurate. 
XX/XX/XXXX - I requested a method of verification. This was not provided to me XX/XX/XXXX - Sent a dispute again for the inaccurate information XX/XX/XXXX - 4th dispute requesting investigation of the account. 
-- -- The date of last activity is listed with Transunion as XX/XX/XXXX, XXXX  XXXX and XXXX  XX/XX/XXXX. This is years a part. If they are getting the information from XXXX how is this possible. Along with the High Balance. Transunion/ XXXX  is showing an high balance {$64000.00}. And XXXX  is showing a high balance of {$21000.00}. This is just confusing 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 2018-12-31
Company: Credit Central Holdings, LLC
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:
CREDIT CENTRAL LLC & XXXX {$880.00} & {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any  documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX pl remove I have disputed by mail with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Knight Adjustment Bureau
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Knight Adjustment bureau is double reporting on my credit. They are reporting the same account XXXX XXXX is reporting. This in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Synchrony Bank/Pay Pal has a line of credit showing up on my credit report. I never applied for this line of credit. I wonder if they opened this line of credit without my knowledge.

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 2021-08-13
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wired money from Marcus Goldman Sachs USA to an external Account on XX/XX/21 and The external Account never received the wire. XXXX XXXX XXXX never sent it back but I gave them the IMAD number to track it and it was never received by them. They told me to contact the FDIC cause they were worried that Goldman Sachs USA was committing fraud.

Company response to consumer: Closed with explanation