BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX US DEPT ED XXXX U S DEPT OF ED/XXXX XXXX DP OF EDUC XXXX USDOE/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 2020-10-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX showed I didn't pay on time, this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion XX/XX/2019 I got a copy of a updated credit report on XXXX account XXXX you claim that the account was verified as accurate. But however the status update date didn't change prior accounts Like XXXX you committed Fraud I do not trust your company so If you don't mind sending me the time and date that you sent this off via XXXX XXXX system what time and date did XXXX reply to you via XXXX XXXX I need Physical Proof. also I'm exercising my rights under THE FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and PLEASE include a copy of the original contract with my signature attached as you may have committed fraud on this as well!

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 2020-09-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX IN RESPONSE TO YOUR CFPB COMPLAINT : XXXXXXXX XXXX XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX XXXX   XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I sent a letter a month ago, got no reply so i sent another letter by certified mail to try and get these inquiries off my credit report. I still havent heard back from 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 2020-10-22
Company: Experian Information Solutions 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:
I am a victim of identity theft. First I started getting calls from creditors that were threatening concerning accounts I know nothing about. I decided to look at my credit and noticed addresses I never lived at & fraudulent accounts that don't belong to me. I immediately called the cops to get a report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
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: Information belongs to someone else

Complaint:
I have no knowledge of this account.. On the attachment it is down in the body XXXX XXXX XXXX XXXX and XXXX acceptance for XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Issues re : Comenity J Crew Credit Card -does not allow for recurring auto-pay -has a website that is not user friendly so that it is difficult to see whether a payment has gone through -charges exorbitant late fees -continues to send letters and information to the account holder even when the account has been closed. 

It took me a while to figure out that this company is the only credit card company that does not allow for recurring auto-payments. This is just another way for a large company to squeeze extra money out of unknowing consumers. I am very responsible with my cards and make sure every payment goes in on time. Somehow, despite going into my online account every month to submit manual payments, though, some months did not seem to go through and then I'd be hit with the late fee and a financing charge. There are many additional complaints about these kinds of issues that corroborate this report. I closed the account on XX/XX/XXXX of 2019 because of their unethical business practices around payment submission and late fees, and I just today received a new notice that the account now will assess even higher late fees. My account is closed and I want no further contact from this corrupt company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have question ( s ) about my current mortgage and fee ( s ) that appear on my statement ( s ) that were not present in the original mortgage. First is concerning a HOA/Inspection fee. My address has never been included in an HOA and I am unaware of what these fees ( {$15.00} + {$1.00} ) actually represent.

In addition, the mortgage was permanently modified by XXXX in XXXX, as such ... any changes in my mortgage should have been made available to me at the time the mortgage changed hands from XXXX  XXXX XXXX to Rushmore servicing. The final statement from the previous servicer/lender ( XXXX  XXXX XXXX ) dated XX/XX/XXXX reflects the actual regular mortgage amount of {$480.00} cents. The initial welcome letter from XXXX shows that regular mortgage payment pegged at {$540.00} dated XX/XX/XXXX ... a {$65.00} monthly overcharge that Rushmore Loan Management had a duty to know was happening after I mentioned it to XXXX XXXX, Asset Resolution Specialist who was assigned to my mortgage at that time. I notified XXXX XXXX during the initial transfer from XXXX XXXX XXXX to Rushmore Loan Management Services. 

XXXX XXXX Asset Resolution Specialist, NMLS : XXXX Rushmore Loan Management Services LLC XXXX direct | XXXX fax | XXXX toll-free | fax machine Finally, there is the matter of the escrow account balance. I have included ( attached documents ) of the Escrow Statements that reflect overpayments in XXXX and XXXX of over {$680.00} and {$630.00} respectively. As this is an open Chapter XXXX I did not know if those amounts could be either refunded to me ( or to the trustee ) as the statement suggests, or could be deducted from the principal balance of the overall mortgage. As of today, XX/XX/XXXX ... those funds have not been made available. My question : Since my taxes and escrow were under {$2000.00} combined, Under the Real Estate Settlement Procedures Act Rushmore is allowed a " cushion '' of withholding about {$330.00} ... They ( Rushmore LMS have withheld double tthe 1/16th cushion allowed by RESPA. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by Fedloan Servicing. All 3 credit agencies ( XXXX, XXXX, and XXXX  ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. Fedloan Servicing, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I previously reached out for information about my credit card payments. I was still not given a definitive reason as to why my minimum monthly amount due was increased from {$50.00} to {$51.00}. Nonetheless I increased my monthly payment amount to {$75.00} and have been making payments every month on time and my amount due each month continues to fluctuate up and down without me being informed. I do not and have not used my credit card for purchases in over a year. I should have been notified early on so that I could stay up to date with my bills. I would like an explanation as to why my amounts due are always being changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Some Company by the name of rent debt has stolen my identity. They call me constantly demanding i pay this debt or go to jail they also have contacted my family members providing them.with personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I need to file a complaint On Transunion on XX/XX/2019 they sent out a credit report stating that XXXX XXXX was a charge off I spoke with Transunion via Phone this account is Not closed. Transunion what you did the the XXXX  account I have no Trust or faith in your company what so ever to make sure I'm getting the right information from your company I'm exercising my rights under the under the FCRA 609 ACT before you get started cut the XXXX XXXX you are not req that XXXX XXXX the FCRA states when a consumer ask for this information you must provide it cause you lie and commit fraud XXXX REPORT ON XX/XX/19 AND YOURS ON XX/XX/19 WHERE THE XXXX YOU GET A CHARGE OFF FROM???? 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and include the credit application that was used to open this account with my sign signature attached

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 2020-07-23
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I like to make extra payments when I can. I made one online and was told they normally charge XXXX for an online payment? My previous mortgage lenders have never done this. I would pay random extra amounts and they would not charge me and they would apply it to the principal only. 

My latest mortgage service Arvest Central Mortgage Company told me that they would charge me for every online extra payment. I can set up bill pay thru my bank but that they would not be able to guarantee that that payment would be applied to the principal only. I pay my mortgage in full every month and have never been late. How can they charge me extra to pay my own mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: SYNCHRONY FINANCIAL
State: NY
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 have written five ( 5 ) letters to Synchrony Bank / XXXX to the mailing address listed on my credit reports to advise them regarding a fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX, XXXX, and XXXX XXXX credit reports. The only communication that I have received from Synchrony Bank / XXXX was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Synchrony Bank.

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 2019-05-30
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They would call repeatedly and not say a word. Then they called me once cursing and using offensive language. I told them you have the wrong number and they dont care, they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Performant Financial Corporation
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COLLECTOR FAILED TO VALIDATE SAID DEBT, PLUS IGNORED CEASE AND DESIST COMMUNICATIONS DEMANDS, THE TAXES IN QUESTIONS ARE CORRECT VIA AMENDED TAXES FROM XX/XX/XXXX-XX/XX/XXXX TAX SEASONS. STOP CALLING MY DADS CELLS. THEY KEEP VIOLATING THE DODD FRANK ACT.

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 2020-10-21
Company: DISCOVER BANK
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: Personal information incorrect

Complaint:
Upon reviewing my credit report, I discovered that XXXX XXXX incorrectly spelled my address, thus as a result, I did not receive my billing statement and was inadvertently late on a payment. As a result of this, this cause severe harm to me as well as punitive damages. 

XXXX XXXX also incorrectly listed my address on my billing statement. Again as a result, my statement was not recieived and my payment was inadvertently late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, 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:
XXXX is reporting incorrectly to Equifax ; XXXX and XXXX a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation