BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: Radius Global Solutions LLC
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:
XXXX XXXX / XXXX XXXX  Credit Card This is not my account and it is on my credit report. This card was not opened using my SSN or NAME. 

Please have credit reporting company remove this 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 2020-10-28
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: Information belongs to someone else

Complaint:
SOMEONE STOLE MY ID ALONG WITH MY SOCIAL AND OTHER PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. I HAVE INCLUDED MY POLICE REPORT AND ID THEFT 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 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I entered into a loan modification agreement with The XXXX XXXX in XXXX to get the payments reduced. They approved the agreement and gave me a temporary new payment amount to make for a trial period of 4 months. I never missed a payment during this trial period, all payments however were made to The XXXX XXXX XXXX XXXX Department and not through the same channel as my regular payments were made. 

Once the trial period was completed and the new payment amount became the new final payment amount, then I started making payments again through the online portal and the account showed current starting in XXXX. However, they never went back and corrected or removed the 4 months of late payments that show now on my credit report which aren't true because I did make the payments. They told me that once the agreement was finalized that the account would show corrected and current. They never told me that it would forever show that I missed 4 months of payments. Now I'm unable to refinance my home ever again because of these late payments showing even though I've now paid off all other debt except my home. My credit still shows as poor to fair.

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 2019-07-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for bankruptcy chapter XXXX  on XX/XX/XXXX and the house I own in that time was discharged on XX/XX/XXXX. I filed chapter XXXX bk on XX/XX/XXXX and the company XXXX XXXX is trying to include this discharged debt on this bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  should not be reporting each inquiry listed below as a separate line item on the following accounts : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; AND  XXXX XXXX XXXX XXXX.  These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loans. All of these inquiries are of like kind. They are not separate, individual entities. These inquiries were created during a mortgage shopping window and should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix 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 2021-09-02
Company: Collins & Hilton Asset Group, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account that i got behind on that ended up going to collections. Then a company called Collins Asset Group brought the account from XXXX XXXX. The issue is both accounts are still showing up on my credit report and i have disputed both twice and now i can't anymore and they are still on my report. I want the old XXXX XXXX  moved off since it was brought by another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Conn's, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I purchased appliances back in 2018, and it hasn't worked correctly ever sense I bought it. I have tried several times over the past year to reach the store regarding the issue and they have not reached out to make this issue right. I have thus far paid {$2500.00} for a washer and dryer and they want to continue to charge me but yet do not want to correct this issue, they said I purchased a warranty but yet they give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: ID Analytics, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I sent sagestream a letter on XX/XX/2020. I have received no response. I believe sagestream is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank, I've been customer and have my card for over 7 years, never missed XXXX payment. Making more money, they reduced my line of credit. Not happy with that, and it is a problem.

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 2020-05-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient is in violation of the CARES ACT, which prohibits attempts to collect defaulted student loans. The attached photo shows the date of the letter from Navient. 

On XX/XX/2020, I spoke to a Navient representative and asked that all contact and correspondence cease and desist, according to the law under the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: SIRVA WORLDWIDE INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I contacted SIRVA Mortgage to obtain a preapproval for my home search. I was told that my FICO  scores were considerably lower than I expected. I regularly monitor through XXXX XXXX. I know that XXXX  uses a different model than FICO, but a difference of nearly 100 points seems a bit excessive. Additionally, my husband 's scores were MORE than 100 points different - he just bought a car with a score over 760 and suddenly it is below 650? Not likely. 

Understandably concerned I logged on to my XXXX XXXX and checked my free FICO  score through them. The difference from XXXX  FICO from SIRVA and XXXX  FICO from XXXX XXXX was 50 points. What motivation would a Mortgage originator have to tell a customer a score that will cost them a much higher interest rate if not for their own profit when they sell the loan to a servicer? Aren't these manipulative schemes that cost the consumer more one of the many reasons Sarbanes Oxley Act of 2002 was enacted?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Certified Credit Reporting, 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 Wednesday XX/XX/XXXX I arranged a meeting with XXXX XXXX from XXXX XXXX XXXX in order to see a house that I was interested in renting, the address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA. 

When Mr. XXXX showed me the house, he told me that for the application process they have a broker that checks credit with a soft pull ( like any other free credit report service ), meaning it wouldn't hurt my credit score. But then after I applied, the owner from the property, without my consent ( supposedly to dig deeper into my report according to XXXX XXXX ), pulled a hard inquiry on my credit using my SSN without my consent. 

Hence, I have now an unauthorized hard inquiry on my credit report. Since it was an unauthorized hard pull, I'd like to get it removed from my credit report, which is the fair thing to ask in this case. 

I have screenshots of the conversations I had with the real estate agent who was working on the property, and he confirms that that hard pull was unexpected ( not informed to him as well ) and done without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX  XXXX  to Loancare Services effective XX/XX/20. 
I was setup on auto draft with XXXX  XXXX  but after transfer to loancare, there are no clear guidelines as to what is the process for me. I was waiting for the draft to happen but it did not occur till XX/XX/20 so i went ahead & made a one time payment of my monthly installment. Today on XX/XX/20 i see auto draft as well as the one time payment which i made on XX/XX/20. All these days i have been trying desperately to speak to a customer service rep but it is impossible to get help. Today i called XXXX XXXX for help & spoke with one of their customer service rep XXXX, even she could not get the representative from Loancare Services on the phone for me. I am frustrated with this kind of service, please 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 2020-05-15
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, I received notification from my XXXX  account that a collection agency by the name of AFNI, INC. added a collection account on my credit report in the amount of {$290.00}. I then called the number provided XXXX and spoke with XXXX. XXXX advised me that he is attempting to collect a debt from XXXX XXXX. I advised XXXX that he is the third collection agency representing XXXX   XXXX  for an account I never had with them. I explained that I have always used XXXX XXXX  XXXX and then XXXX. I also advised that I never lived at XXXX XXXX  XXXX XXXX and proceeded to list all my previous addresses. I informed XXXX that I had identity theft in the past and I need him to remove this from my credit report immediately. XXXX advised me to email XXXX. On the same day, I email the email address and attached my police report and my driver 's licensee. I have received no response from them. The account is still reporting the account. I want this to be removed and stop all collections on this account because it doesn't belong to me. This is the third time this has happened with this company. They NEVER NOTIFIED ME IN WRITING OF THIS DEBT. I ONLY SEEN WHEN IT REPORTED TO MY CREDIT REPORT. This has damaged my credit score. I dropped XXXX points because of this. Attached is my driver 's license and both of my police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Approximately 30 days from XX/XX/XXXX, I called Freedom Mortgage and informed them that I had received a delinquent tax bill. I spoke to someone in the tax department at Freedom Mortgage at XXXX XXXX XXXX XXXX, and they told me that since I recently refinanced ( i.e., XXXX of XXXX ), there was a delay in their paying the tax bill but assured me that it would be paid within 21 days. 

I then received a delinquent tax bill on XX/XX/XXXX, and I immediately called the tax department at Freedom Mortgage and spoke to a customer service representative with ID # XXXX. She informed me that Freedom Mortgage had sent a check for the delinquent tax bill on XX/XX/XXXX in the amount of {$3100.00}. XXXX  ( approximate amount ). When I informed this person that the tax bill is in the amount of {$3400.00}, she immediately referred me to the tax department of Freedom Mortgage. I then spoke to XXXX at Freedom Mortgage Tax  Department who informed me that a check in the amount of {$3400.00} had already been sent via XXXX and that the check should arrive at the municipal tax office by XX/XX/XXXX. When I asked her what date this check was allegedly sent out, she said that she could not access that information. 

On XX/XX/XXXX, I spoke with XXXX at Freedom Mortgage Tax Department who informed me that the check had NOT, in fact, been sent out but that it would be going out today, i.e., XX/XX/XXXX, and she provided a XXXX tracking number of XXXX. I informed XXXX that I would be following up on this and then informed her that I would like to file a formal complaint for being provided with misleading information. I was then transferred to XXXX at the Escalations Department who took my complaint and said that an investigation would be forthcoming. 

My issue is that from the outset I was provided with misleading information, and I had to relentlessly pursue my issue until someone at Freedom Mortgage took notice. I do not think that misleading customers is ethical and I want this to be addressed.

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 2020-12-09
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt settlement offer letter was sent to the agency on XX/XX/2020. I have a copy of the letter that was typed and mailed and its been 30 days since letter was sent and I still have no received a reply, or any information in reference to getting this account paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Bread Financial Holdings, Inc.
State: OK
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:
Victoria secret card was paid in full and they sold to another company and have it as revolving unpaid with balance I paid in full to company that bought it but Victorias secrecy wont remove the negative item from my account Im trying to buy my home this is one of a few holding me up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Bonneville Billing and Collections
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:
COLLECTIONS Account Details Last Reported XX/XX/XXXX Collection Agency BONNEVILLE COLLECTIONS Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$96.00} Remarks -- Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$43.00} Remarks Account paid for less than full balance Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$77.00} Remarks Account paid for less than full balance Creditor Contact Details XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have reason to believe your company is violating federal law by knowingly furnishing false credit information on my consumer report. These accounts are in direct result of identity theft. I have on several attempts requested that the consumer reporting agencies provide verifiable proof to why these accounts have not been deleted. I am also a part of the XXXX XXXX which has caused a significant amount of damages to my consumer report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter Please consider this your final opportunity to cure before this becomes a litigation matter.

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 2017-08-04
Company: Kimball, Tirey & St. John LLP
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Your last response to our complaint you had stated you have not tried to collect the debt and that you have validated the debt ... XXXX and I received a notice from your agency yesterday in the mail, stating " this is an attempt to collect a debt '' Also has the information on how to pay your company and contact your company to pay the debt or make arrangements. To me this seems as if this is attempt to collect debt and you are not licensed to collect in the State of Utah. Secondly I asked that you provide us with full accounting information of the debt, supposed signature from XXXX and myself, full proof and validationof this debt. You mailed us the attempt letter with the copy of the judgement paper. This is not  validatingthat this debt is ours. I am going to ask that you either 1 delete this from our credit reports or 2 send us TRUE and VALID debt validation with all accounting information, application information, signatures, and  proof. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On Tuesday, XX/XX/2018, I contacted Equifax to have a bankruptcy thats reporting on my credit file removed. I supplied them with the identity theft report. That same information was also sent to XXXX  and XXXX ; they both removed the bankruptcy from my credit file, however Equifax has not. Furthermore, Equifax responded stating that the data furnisher verified that the bankruptcy is correct. 

I was told by someone in XXXX Customer service department that XXXX furnishes the data to Equifax. 

I have since then had my personal data suppression request approved and in accordance with section 605B of the FCRA I would like to request that this fraudulent bankruptcy be blocked from my account.

Company response to consumer: Closed with explanation