BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, my father and I called the company that represents itself as Transworld Systems for a debt that was owed at a sum of approximately {$1500.00}. After speaking with a representative, the debt was settled by the sum that the company offered, at XXXX at approximately half the owed sum. My father paid the sum over the phone on that day by the end of that phone call. We were provided with a confirmation number and assurances that we would receive a written correspondence via mail confirming the settlement of the debt. The account therefore, was closed. However, two months later during XXXX, I am disputing this open account with the credit bureaus that have investigated the dispute and have found an open account for XXXX with Transworld Systems as " accurate '' - despite the fact that both parties mutually agreed to settle the account to an amount offered by Transworld Systems. We never received a written confirmation of the debt that was settled by mail, and the company refuses to report that this account was settled and actually report the account in an accurate manner to the credit bureau. This is alarming, because even their company records admit that their communications are recorded, yet they continue to misrepresent the settled account. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
submitted XXXX written requests for verification of an account.i continue to receive notices that account is verified which have not been shown to me how " verified '

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 2017-09-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I already contacted XXXX & XXXX and Spoke with XXXX to make sure I was up to date, Froze my Credit with the first two ... .I can not get ahold of " THE PROBLEM '' EQUIFAX !!!! Their phone # 's provided on line hang -up on you or do the " doo-doo-doo, They are like no longer active! I took a Trip off work to protect my self and at thispoint ... .I am totally XXXX XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX AUTO LOAN: 
ACCT XXXX LOAN 101: 

THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. 
XXXX XXXX: XXXX DOB XX/XX/XXXX
XXXX XXXX XXXX" XXXX   DOB XX/XX/XXXX (SHE HAS BEEN REMOVE)

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Todd, Bremer & Lawson, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, I was reviewing my bank statement and discovered a draft by Todd, Bremer & Lawson ,  Inc for {$900.00}, dated XX/XX/2021, which I was never billed for and NEVER AUTHORIZED. 

I called the number listed on my bank statement for your company XXXX ; and after I explained the situation to a Customer Service Rep, she hung up the phone. 

I called my bank who holds the Debit Card which you used to steal the money from me and started a fraud claim. 

Todd, Bremer & Lawson , Inc accesses my bank account and without my permission, authorization neither verbal or written STOLE {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX, XXXX and XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 60 days late XX/XX/XXXX to XX/XX/2019,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: EQUIFAX, 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:
I have been disputing XXXX XXXX XXXXXXXX on my credit report for months now. Today I received a letter from XXXX XXXX XXXX stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. XXXX XXXX XXXX is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX, XXXX XXXX XXXX Company Inquiries : 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 2018-04-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
After struggling to catch up with payments after one was paid and somehow lost through XXXX  Ally refused and disobeyed the law in regards to disclosing the process on how to file a ten day extension to recover my vehicle as required by CALIFORNIA law. I made several attempts to retrieve that info and no one would tell me and the paperwork sent said nothing of it. I am now going to loose my car because I needed the extra time. I have been in a whole ever since.

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 2021-04-06
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:
Ive downloaded my XXXX XXXX XXXX and find inaccuracy in your reporting. You are obligated by the law to report accurate information in my credit reports. Because you are not reporting it's accurate I am asking to remove this totally incorrect account. I attached part of all three reports so you can find your mistakes and delete an account. There are mistakes because I found a letter from the bank with explanations about this account.

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 2017-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our Mortgage with Bank of America, using the HARP program, from a 30 year fixed to a 15 year fixed in XXXX of XXXX. The age of our loan is now 4 years and 10 months ( XXXX XX/XX/XXXX). Our original loan amount on the 15 year fixed mortgage was {$290000.00}. Our current principal loan amount is {$210000.00}. We have PMI on our loan and would like to get the PMI removed. On XX/XX/XXXX, I called Bank of America 's PMI Deletion department to get details on how to formally begin the process of removing PMI. I was told a phone call was sufficient - no written letter required to get the process moving. We received a letter on XXXX XXXX from Bank of America stating that a new appraisal had to be ordered so they could determine if we met the " 75 % LTV '' rule. We can only use their XXXX XXXX XXXX appraisal service - writing a {$480.00} check to Bank of America. The Homeowners Protection Act of XXXX states that, depending on the loan, a homeowner must meet the " 80 % LTV '' rule or the " 78 % LTV '' rule to get the PMI removed from their mortgage. There is no mention of having to meet a " 75 % LTV '' rule. Bank of America states " the loan to value ratio of your loan, which is based on the original sales price or appraisal value of your property ( whichever is less ), has n't met the established LTV requirement to submit a request to cancel PMI. Based on this, as well as the type and age of your loan, the requirements to cancel PMI on your loan are : 1. No 30-day delinquencies over the past 12 months and no 60-day delinquencies over the past 24 months AND 2. current property value has n't decreased from original sales price or appraisal value ( whichever is less ) and the loan to value ratio based on your current property value is less than or equal to 75 % OR 3. current property value has decreased from the original sales price or appraisal value ( whichever is less ) and the loan to value ratio based on your current property value is less than or equal to 75 %. '' Then they want a new appraisal for {$480.00} to determine if our loan meets the 75 % LTV rules. I want to know where Bank of America is using 75 % LTV when the Homeowners Protection Act of XXXX says either 78 % or 80 %. How is that legal? I want to know how they are using an appraisal from the refinance of the mortgage 4 years and 10 months ago - since this is a HARP loan and did n't require an appraisal. We never received any notice of this appraisal. I want to know exactly when we can expect to have the PMI removed. What are the exact steps to get the PMI removed? When is the loan at 80 % and when is the loan at 78 %? When will be PMI automatically be removed ( if we did nothing )?

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 2021-04-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 XXXX a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 herein known as " Consumer '' XXXX XXXX XXXX herein known as " third party junk debt buyer '' On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat 24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. 

STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. 

A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal XXXX App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ).

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 2019-02-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have three school loans taken out one that happens to be in XXXX ( XXXX paid and XXXX balance ) before I was even born. Then the other two on my credit report were in XX/XX/XXXX ( 1= {$3000.00}, the 2nd= {$3100.00}, both closed. But was told that they're the same one. But on my credit report it states that there different. ) I also tried to dispute those two that I never did those that I fully believe my ex-husband XXXX XXXX whom I divorced in XXXX and have a five-year XXXX XXXX against until XXXX that he committed fraud against me. I sent in document stating my case. Nothing was done and now I was garnished my XXXX taxes ( {$3.00}, XXXX ) which I was trying to use to support my XXXX kids and move out of California with and now I can no longer do. Can you please help? Not only am I financially struggling but I was also trying to fix my credit for a better future for my family and I and I am at a total loss at what to do now and nowhere to turn for help. I can't even afford a lawyer so whatever you guys can do for me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
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:
XX/XX/2018 I am being hit with a Inquiry from XXXX XXXX. I never made said inquiry. This is fraud. I never authorized or signed anything with this company and have no idea what they are talking about. I called them and they said best thing to do was to report here. Just want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2018 I am being hit with a Inquiry from XXXX XXXX. I never made said inquiry. This is fraud. I never authorized or signed anything with this company and have no idea what they are talking about. I called them and they said best thing to do was to report here. Just want this removed from my credit.

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: Accelerated Financial Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Accelerated Financial Solutions, has once again added themselves to my credit report and as a result my score has went down and now my credit accounts that were in good standards as decreased my credit limit and I am very upset. I tried to to resolve this a year ago, it was removed off my credit and now put back on yet again,

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 2021-04-30
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: Investigation took more than 30 days

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every month when my payment is due I'm locked out of my account and get transferred to numerous places and countries trying to get access. They never gave me my store card so I have no idea what the number is. This is now the 4th month, 3rd since escalating to the " executive department '' that this has happened. I still do not have any idea what the card number is and can not get access to my account. I'm not XXXX I write down the login and passcode and it works right up til a day or so before the bill is due. It is my belief that they are doing this intentionally. They promised to waive the late fees on this and didn't and none of the issues have yet to be resolved. I ask to speak with managers and they tell me Wells Fargo doesn't have any. 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 monetary relief
Consumer complaint received 2023-07-10
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wrote companies on XXXX, XXXX, XXXX, XXXX, and XXXX, informing them that these accounts are not mine and requested that the original contract with my wet signature and date be sent to me, and I have not received them. I also discovered that neither company is authorized to collect in the state of Florida. 

Companies that are wrote : XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.

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