BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spoke to a Transunion representative and told them that you have been a VICTIM of their inquiry issue. Their customer service was not able to assist me and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX thank you

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 2021-11-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX I visited XXXX XXXX XXXX in XXXX XXXX XXXX Ca to checkout a used 2018 XXXX in their stock. During negotiation, I Informed them I already had an auto loan approved through my credit union ( XXXX XXXX ) for {$44000.00}. They proceeded to ask me income, social security #, employment details as part of their standard application process and was assured that my credit would not be ran unless I decided to finance internally. I never signed anything and only placed my initials on a form confirming all my information was correct. After discussions with several managers we mentioned several times that I did not want to run my credit since I already have an approval and that I would prefer to look elsewhere. We left and did not proceed with purchasing the XXXX. Within a matter of hours I received emails and Information that my credit file was pulled although I never consented to this. I left messages for the manager and they have not returned my calls. This has negatively impacted my credit worthiness as it appears now that I have attempted to open loans with now both my credit union and XXXX XXXX XXXX. I am disputing this inquiry and would like it to be 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 2019-05-17
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I want on XXXX and meet gen XXXX XXXX XXXX and what a big problem I sent him {$3.00} it was not all time. I think he was a XXXX men. I have all the informant in my computer. I just don't want people to do what I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Student loan servicer, NAVIENT, is misapplying student loan payments and failed to conduct an investigation. 

1 ) Auto-payments are not being properly distributed among the loans. I have 3 Direct loans and 2 Direct Grad Plus loans serviced by Navient. I am on the regular repayment program using auto-pay to automatically deduct my fixed monthly payment from my bank account. My auto-payment is {$1400.00} per month. Of this amount, {$400.00} is a fixed amount that should be applied to the highest interest rate loan. On at least two occasions ( the XXXX and XX/XX/2019 autopayments ) Navient applied less than the fixed amount to the highest interest rate loan and shifted payment to the lower interest rate loans. In XX/XX/2019, no principle whatsoever was paid on the highest interest rate loan by the auto-payment. 

2 ) Navient failed to conduct an investigation or respond to my concerns. On XX/XX/2019, I called Navient and spoke to a representative regarding payments. I was told that an investigation would be opened and I would be emailed written report detailing how auto-payments and overpayments to the highest interest rate loan were applied. I was told that the report would be emailed within two to three business days. I did not receive any emailed or written report. 

On XX/XX/2019, I called Navient and spoke to a different representative. I was told that the first investigation was concluded, no report was emailed or mailed to me, and that no changes had been made to my account. Again, I requested Navient investigate why the auto-pay was not applying the correct amounts to the highest interest rate loan and instead paying principle on lower interest rate loans. I again requested Navient investigate that all payments were properly applied over the life of the loan. I was told there would be an investigation and that I can expect a written report delivered by XX/XX/2019. 

Because Navient 1 ) failed to properly apply payments, and 2 ) failed to investigate and report on misapplied payments, I am filing this complaint. As a consequence of this failure by Navient I may be forced to overpay by thousands of dollars over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Mercedes Benz Financial Services
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:
A Charged Off account in the amount of {$5.00}, I did not owe them any money and never received any request for {$5.00} payment. 

I did have another account with the same company which was paid off, BUT NEVER HAD 2 ACCOUNTS with MB Finance. I have disputed this {$5.00} Charged Off account several times with Credit Reporting Agencies but MERCEDES-BENZ FINANCE has always refused to remove it and said I owe them {$5.00} on this account. 

Even though this is not my account and I do not owe them {$5.00}, I sent them a money order for {$5.00} and requested them to immediately remove the account but it has not been removed yet. The other account with this company was paid off on XX/XX/2014 ( see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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: Information belongs to someone else

Complaint:
i have 2 collections on my account that should not be there. i disputed it so many times with them and with you guys and nothing happens. they are still on my report. they were suppose to be deleted a long time ago. i tell them its fraud and the try to get me to settle for a payment when its fraud!! I want them to remove the collections off my account all three bureaus play a part in, XXXX, Transunion, 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 2018-06-11
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX is trying not to give me credit for PSLF payments I made to XXXX XXXX XXXX XXXX XXXX. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX to repay my student loans. XXXX XXXX asserts that I had no bills due during the above-mentioned periods. However, I received emails from XXXX XXXX advising me that my bill was due for those periods. I was set up for automatic payments and so my bills for these periods were paid automatically from my checking account. I've attached the emails sent to me by XXXX XXXX showing my billing statement was available and that the payments would be automatically withdrawn from my account. I've also attached a payment printout from XXXX XXXX that shows that payments were made on the above-mentioned dates. If no payments were due, then XXXX XXXX should not have sent me billing statements and withdrawn money from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: FL
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 have submitted disputes to you, and you took more than the 30 days the law allows. You are now breaking the law. Please investigate my disputes.

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 2019-06-27
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2019, the lien holder XXXX XXXX XXXX reported to the bureaus that my account was closed ( which it was not ) and added a remark that there was an involuntary repossession ( which it was not ). After speaking with them they advised that no one in the office reported that information ( lies ) So once I disputed it, the account was reopened and the remark was removed. That inaccurate information caused my credit score to decrease 128 pts. I have contacted them multiple times to ask when will my credit score be restored due to the inaccurate and incorrect information being reported ; I was told they didn't know how long it would take for my points to be restored and after requesting to speak with supervisors on multiple occasions I was then told that my score will be restored after 30 days of the closing of the dispute. The closing of the dispute was around XX/XX/2019 and has since been thirty days and no change.

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 2021-10-25
Company: EQUIFAX, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. The complaint is that after damage to our home from a hail storm in XXXX on XX/XX/XXXX Farmers Insurance ( FI ) did not cover replacement for our roof, our mid-modern home had a tar and gravel roof-after 2 years we sued FI, while claim money had gone to our bank at the time EverBank which is now XXXXIAA. Years later after settling with FI a portion of our money had gone to TIAA bank. Then due to our roofer suing us ( breach of contract ), the held money had still remained in escrow with TIAA and we still did not have a new roof. This money was held in two amounts before our roof replacement ( {$60000.00} ) and after ( {$37000.00} ) which is subject according to the Texas Insurance Code Chapter 557 to 10 % interest per year held. I sent several letters to TIAA but they had responded on May 31, 2019, demanding more home inspections for another claim from a flood incident from XXXX. We feel the money is still owed and wrote a letter to TIAA demanding payment of the interest on the funds held over a 44 month period and amounts to ( {$17000.00} ), to be verified by TIAA. We also agreed in the letter to have the floor work done to our home and comply fully to having the house inspected for the flood damage in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I talked to a CSR around XX/XX/2017 about spreading my payment out over a year because I needed to do major repair on my car and the rep and I kinda went back and forth about how to handle making the payment I wanted to be sure that I won't be reported late and she did let me know it wasnt in the contract to do that what she could do is allow me to spread the payment but what she didnt warn me of that my payment would be reported late every month until I paid all the money I owed, so 4 months later and I'm still being reported late. I made the last payment on XX/XX/XXXX that made me current on all payments and then on XX/XX/XXXX I received a notice from TransUnion saying I was 30 days late again I really need this to be resolved I'm also in the process of buying a home so your help is greatly needed and I have proof of all payments and, I also need to make it clear that up until this time I've never missed a payment and if I had known that it would be reported late I would have agreed to this atrocity.

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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Today XX/XX/2020, a collection showed up on my credit report for the second time after it was already disputed and removed. It is the only collection showing up abs I have never borrowed personally from this entity being XXXX XXXX showing the original creditor being XXXX XXXX. They do not offer personal loans and do not report to credit as Ive investigated and now this is the second time showing up on my Transunion credit bureau after it was already investigated and removed. Transunion is not doing there duediligence with these fraudulent happenings which is cause grief and frustration to myself and my family when we are already going through enough during COVID-19 and have lost family. I have contacted the Federal Trade Commission to get involved during this matter. I can not deal with the way they are handling this and can only imagine others getting treated this way

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 2021-09-16
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Credco XX/XX/XXXX Credco XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-06-27
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Northstar Location Services is trying to collect on a debt that I do not owe to them. I've never heard of this company, I've never done business with them, and they have no provided any validation of this alleged debt. Please let this notice serve as my formally disputing the debt, I've also attached a copy of a letter that was sent to them. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've had repeated calls from different numbers by Diversified Consultants trying to reach me the last few weeks. They've been very evasive and/or defensive whenever I ask questions as to who they are. Some have refused to tell me who they work for, some of them tell me they think their first & last name is good enough, even though I don't know their names. I've told them today, XX/XX/XXXX, to send me a letter in the mail if it's really personal. He got really defensive and rude over it, telling me he told me his first and last name. I've looked at my credit history on XXXX XXXX & i'm not seeing anything from this debt collector on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with chase and received my ga department of labor deposits in it. But because it was a large amount chase said they no longer wanted to bank with me and said they would be closing the account and mailing me my remaining funds. Its been over 30 days now iv been going back and forth with this bank for my funds and am now being told that the account was closed but that my funds are now being held because the account is under investigation. I had a branch manager verify the deposits and my unemployment that I received into the account but there now even telling him they cant do anything they cant give me a time frame they cant expedite the case nothing. I cant speak to anyone over the investigation and can only provide limited documentation due to ga department of labor offices being closed due to covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: EQUIFAX, INC.
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 am disputing a negative collection mark on my Equifax and XXXX  credit reports in the amount of {$140.00}. The original creditor for this amount is XXXX at XXXX XXXX Apartments. The debt now belongs to XXXX XXXX. 

The reason I am disputing this collection is because the original creditor, XXXX at XXXX XXXX, is attempting to charge me for an expense they incurred before I was a resident at their apartment complex. 
I have attached two supporting files : File # XXXX is the move out statement and ledger that the original creditor, XXXX at XXXX XXXX, mailed to me upon vacating the apartment. The ledger indicates there is a move out balance of {$130.00} ( the actual amount on my report is now {$140.00} due to added interest charges from XXXX XXXX. ) File # XXXX is an invoice from XXXX XXXX XXXX charged to the original creditor, XXXX at XXXX XXXX. This invoice was provided to me by the original creditor, XXXX at XXXX XXXX, as part of my move out statement. The invoice is for carpet replacement in the apartment unit I resided in. 

Per File # XXXX my lease agreement began on XX/XX/2018. Per File # XXXX the invoice was generated and dated on XX/XX/2018. This means that the carpet in the apartment unit was replaced before my lease agreement began. 

I have disputed this issue with XXXX and they quickly removed the negative collection mark from my credit report. As quoted by XXXX  on page # 1 of the attached file XXXX  Dispute Results, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Please feel free to review the XXXX  Dispute Results attached file for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This letter is in response to your recent claim that XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau : Attorney Generals Office Cc : 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 explanation