BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am writing to dispute the following information in my file where I have not received a reply from the evidence presented on XX/XX/XXXX Trans Union Credit Report. 
You will also find this item circled on the attached credit report. The item I have identified is inaccurate because last payment made on XX/XX/XXXX for the amount of XXXX was with the intention paid off the account totally. I was offered a year without interests if I paid off the account during the established year. First payment was remitted on XX/XX/XXXX XXXX XXXX XXXX as part of the Installment Plan Program that included XXXX payments. During a call made to the Preferred Credit offices, the staff informed me that the amount to pay off the debt was XXXX so I proceed to issue that payment for the required amount. The payments report on my credit history are inaccurate.

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 2020-02-03
Company: EQUIFAX, INC.
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CONSUMER ADJUSTMENT CO. HAS FRAUDULENTLY PLACED A MEDICAL DEBT ON MY XXXX CREDIT REPORT Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account.

Proof that you are licensed to collect debt in the state of Georgia.

Your licensed numbers and Registered Agent or Agent of Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Experian Information Solutions Inc.
State: OH
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 following XXXX XXXX XXXX XXXX account has no data for XXXX or XXXX, due to inaccruate reporting. I have tried ovr and over to fix the same issue with Experian. Reporting needs to be accurate across all bureaus, especially if companies are reporting the SAME information. 

XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXX  Code : Individual Account Status : Open Monthly Payment : {$470.00} Date Opened :XX/XX/XXXX Balance : {$15000.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$28000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXXComments : **CONSUMER STATEMENT** DELINQUENCY DUE TO EXTENDED UNEMPLOYMENT. 
Date Last Active :XX/XX/XXXX Date of Last Payment :XX/XX/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 2018-05-14
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was harassed by XXXX. Also let Navient know that I've checked the website and the amount owed was not there or amount paid in was not there either. Let them know that I was head of household so the garnishment was not suppose to be put into effect as of Florida state law. At one time had the money to pay off loan was told I could not.

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 2021-10-06
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX Balance : {$720.00} XXXX  XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XX/XX/XXXX I received notice my mortgage payment would increase from {$1300.00} to {$1300.00} because my escrow account had insufficient funds - this made sense based on an insurance company change and a check that was sent to me. At the time I didn't understand why I was receiving the check and should have called the mortgage company, so again this increase for XX amount of months was understandable because I deposited the check and should've sent it back to be deposited into escrow. I believe the issuance of a check to me was a mistake by the then servicing company of the loan. 

In XX/XX/XXXX I received a notice from the new company over my mortgage, New Rez Financial, that stated my mortgage would be increasing from {$1300.00} to {$1500.00} because of insurance and tax changes. My insurance rate for the year increased only about {$120.00}, or {$10.00} per month, so a {$190.00} increase is outrageous. I called the county where I  reside, XXXX County, and they stated an increase of that amount is out of the ordinary. When I contacted New Rez Financial they were unable to explain exactly why the amount increased like it did, other than pushing the explanation off on XXXX County and saying " your taxes went up ''. 

I need a detailed description and breakdown of why New Rez Financial is attempting to raise my mortgage payment ( starting XX/XX/XXXX ) by so much money. I'm already paying {$35.00} more per month over the course of the last 12 months and an increase of an additional {$190.00} is not acceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Experian Information Solutions Inc.
State: IL
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:
I have attempted numerous times to get XXXX XXXX XXXX to remove the erroneous and illegal account ( ending XXXX ) from my credit file. I have asked for verification, I have shared with them that I was a victim of Identity Theft, I have requested to see the original instrument of indebtness in its original form, this account has been VERIFIED every time that I have disputed this file. 
The FCRA states the bureaus must verify all information that they get from banks, credit card companies, etc before it's put into my credit report. In the letter written to me from XXXX XXXX XXXX on XX/XX/2018 they CLEARLY state that they DO NOT have a signed contract with my signature affixed. This account can't be VERIFIED and I am requesting that it is REMOVED IMMEDIATELY.

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 2019-03-06
Company: Trident Asset Management, L.L.C.
State: CA
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:
I contacted XXXX  in XX/XX/XXXX to inform them that the amount on a collection was incorrect and sent them a statement showing the balance at that time. It was never corrected. I again ATTEMPTED to file a dispute with XXXX  on line in which they denied my request for re-investigation stating that what was being reported was correct. I filed yet another dispute in XX/XX/XXXX, providing documentation that TWO collection accounts were paid in full and requesting that one be removed in that it was past the 7 year mark. They were NEVER removed nor where the balances updated to show them as paid. 

I further have asked multiple times to have a validation of a debt on a third collection agency. I contacted the Collection Agency and requested validation of a debt which they have refused to provide. I contacted the alleged original creditor and they have no record of any outstanding debt, yet XXXX  continues to report this debt even after I have asked to have an investigation. I have been TURNED down for credit because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX XXXX, I hope all is well. My name is XXXX XXXX I have an account with TD bank # XXXX. 
My family and I were impacted by Covid-19 and when I called sometime in XX/XX/XXXX I had explained my situation however, my funds were not credited back to the account. 
Last year XXXX my debit card with TD was lost. I contacted them immediately once I discovered my card was lost. After receiving my new card I assumed all transactions on the old card would no longer be valid or no payments could be processed. Fast forward to XX/XX/XXXX XXXX XXXX had gone into the old / closed debit card and retrieved funds. Again, I immediately was in touch with TD to explain what happened and to please give me back my money. Later, in the month of XXXX my debit card was finally closed after reporting it 1 year later. I then reiterated once more I closed my debit card last year and this should not have been honored by my bank. 
Can you please help us figure out what happened and why I did not get my money back? 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NC
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:
Experian continues to report fraudulent information on my credit report as I review my online instant credit report no changes have been made they still have a secondary identity XXXX XXXX a name that I dont identify with Including addresses That are not real addresses they lead to nowhere Ive disputed these addresses numerous of times with no updates Ive requested there only be one address on my credit file which is XXXX XXXX XXXX XXXX North Carolina And one contact number XXXX because they have been aiding misinformation and inaccurate reporting I have to restart my credit profile To protect my identity from further damage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: NC
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:
I disputed a public reporting with XXXX  and Equifax which was 2 bankruptcy filings that shows dismissed. I was told that the information reporting came from XXXX XXXX. I contacted XXXX XXXX and initiated a dispute in which they came back and deleted the reporting from my files. I received an updated report from XXXX XXXX along with information about why they deleted. I then forwarded this information to XXXX  and Equifax for them to review and update my file and delete their public reporting to match XXXX XXXX. XXXX  and Equifax refuses to update my file and claims that XXXX XXXX validated the reporting which is not true, because I spoken with XXXX XXXX and received a new file from them showing NO BANKRUPTCY reportings. XXXX XXXX update reporting came to me on XX/XX/2020 XXXX   responded to my dispute with no investigation XX/XX/2020 and Equifax response is dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: EQUIFAX, INC.
State: TN
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:
I submitted a dispute via mail on XX/XX/2018 to the listed address for each of the major credit reporting agencies with the hope that my Identity Theft case would finally be resolved, according to the rule of the Law in the Fair Credit Reporting Act, Sect 605b which states that a victim of Identity theft with validation shall within 4 days be blocked/deleted. This did not happen instead each Agencies stated they had 30 days according to their policy to investigate. Not only is this legally wrong, nothing ever happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: EQUIFAX, 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$500.00} USDEPED  XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My wife, XXXX, found out some information that her father, XXXX XXXX XXXX, apparently had purchased some CD 's in trust for her and three siblings. From what she found out they were now being held by PNC Bank. In trying to talk with PNC local branch, she is apparently being blown off. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: NY
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:
All XXXX in credit report has been legally discharged as paid infull for legally cognizable reason. Wherefore, should be mark as paid infull/discharged on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Freeze was placed on my business account without any reason or notification from Capital One Bank. They claim that last check that I deposited, which is the same Payee name for a past 3,5 years, is under investigation. No explanations why, just hold placed without any notice, which causing me a lot of problems and extra fees from returned transactions. Bank representative stated that I will be contacted once investigator will open case, when she is not sure. I asked who will be paying late fees and returned transaction and did not received reasonable answer from Capital One Representative. This is not the first time that this bank does this to me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery is reporting inaccurate and inconsistent information on my credit report. This collection is only reporting on my XXXX. According to the FCRA all information must be accurate and consistent. This is not. This is hurting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-04-03
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold or a change is service took place during the first half of XXXX to XXXX NMSL # XXXX ( aka LoanCare NMLS # XXXX ). I paid my loan payments regularly as a scheduled payment from my bank. After the transition happened, I noticed some payments were missing. I have called Customer Care and eventually got transferred to payment research group via email. Their initial response to my request on XX/XX/XXXX basically did nothing and asked for proof of payment. I got proof of payment ( attached along with payment application schedule ) and submitted again on XX/XX/XXXX with a follow up on XX/XX/XXXX. There have been no response or any resolution though they tout 2 day turnaround on these requests. 

I am missing 2 payments of {$1500.00} each from XXXX and XX/XX/XXXX. I have done an analysis from the data listed on their website of my payments and application of payments over a year where I point out the missing payments on the attached Excel file. At this stage, I have contacted them multiple times via phone for resolution and through the payment research email support channel. I have no confidence in their interest or efforts in resolving these issue and would appreciate any help.

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 2020-07-08
Company: Experian Information Solutions 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$140000.00} XXXX  XXXX {$15000.00} XXXX XXXX {$950.00}

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