BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After looking over a copy of my credit report i notice that there were a few inaccurate things being reported under my social security number. i tried disputing these items on the credit bureaus website and each time i go to submit it keeps locking me out making it difficult for me to dispute.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 requested proof of the alleged late status and I have not yet received any documentation. XXXX never sent documents in the mail, communicating the account status. I am requesting that the file be reviewed for accuracy and updated accordingly. The items reported and disputed were not validated by the credit reporting agencies nor XXXX. The late payments remain on my account with the credit bureaus and they have not been properly 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 non-monetary relief
Consumer complaint received 2019-07-24
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They will call my work number approximately 3 o 4 times a day. Initially the calls will come in before XXXX. I informed NAVIENT this was my work number please do not call me during to inquire about this debt at this number. I went online completed request for deferment in effort to stop the calls. I even told the caller on another occasion I was currently in Bankruptcy status & not sure why this one loan is not included in my claim. They assured me they will note my file to stop the calls. The calls stop coming in at XXXX. Now they call 3x a day today XXXX, XXXX ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to Franklin Collection Services XX/XX/XXXX. They responded XX/XX/XXXX saying that " per my request here is a copy for a final bill '' ( See attached ). 

That is NOT sufficient validation of me owing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank you for addressing the following concernsregarding the Foreclosure and Resale of XXXX XXXX XXXX XXXX, Texas XXXX of complaint to the Fair Housing Authority, due to issues that occurred once delinquent. Also, violations of the Comptroller of Currency ( O.C.C. ) will display Compliance risk, Credit risk, and Strategic Risk, which are violators of the Unfair Deceptive Abusive Act Practices. 
Furthermore, within the Fair Credit Reporting Act sections 610 & 611 with credit reporting. Sec. 802. [ 42 U.S.C. 3602 ] under the Fair Housing Act In conjunction with the Uniform Residental Loan Application Agreement, which under section the " liability after foreclosure, '' which may protect consumers after foreclosure of a remaining balance. 

While the original loan provider Ocwen Co. targeted me financially unsophisticated while facing distressers, age characteristics, and decent. 
Credit Risk, while undergoing the modification process, the term of the contract of 360 months increased to 420 months. In contrast, the agreement 's duration, the modification did not display any significant changes. 

Strategic Risk if the home was foreclosed and sold at {$170.00} XXXX, the original loan was {$160.00} XXXX if there were equity within the property. What resources could have allocated to ensure a full understanding of what could have prevented foreclosure? 

They're compromising notations within all Credit Reporting Agenciesfalse information furnished on credit profile with the possible intent to possibly due harm. With the continued inscriptions, creditworthiness and score continue to decrease. 

The property foreclosed was valued at XXXX and sold for XXXX XXXX. The original loan amount closed XX/XX/2005 for {$160000.00}. 
I am requesting equity on the property during the time of foreclosure. If the valued property did not increase, which could have prevented foreclosure, how was this formulated? T During the proceeds, documents were unclear even during the refinancing of the mortgage. Areas of uncertainty arrived when the modification didn't assist with financial troubles, under the Loan Application Agreement,  which under section the " liability after foreclosure, '' may protect consumers after a remaining balance. The protection which may have prevented any additional debt on the home, I was forced to forclosed. 
P.H.H. company who service property issued documents for signature ; however, unclear of verbiage. While new provisions set, I can stay in a home as a tenant and no longer a possible homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: NCC Business Services, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I filed a complaint CFPB against this company on XX/XX/19 and the company responded admitting that they had no relationship with me!! Therefore, I should not be held accountable for an unknown, unauthorized, unverifiable or non- validated account that does not belong to me. The amount has Severely damaged my credit from each of the major bureaus. Its only fair to correct this due to the inconsistency on the behalf of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
I want to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights, 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX  and Transunion are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.

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 2023-09-08
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I haven't seen any deletion updates in my credit reports. And I am baffled as to why I have been sending Removal Request Letters upon letters with no updates. Aside the first time I got those said updates. This will be my ninth complaint as well. When will the XXXX, EQUIFAX and XXXX Credit Bureaus fix my credit reports? Please be professional and follow through my request of removal for these items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$870.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed XXXX XXXX Services on my credit report as identity theft by mail, I sent all documentation as required ( Identity Theft Affidavit & Police Report ) more than 30 days ago, and they have not started the removal process or investigation..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Vinci Law Office, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I do not have any collections that I know of that this company so call says that I do. They repeatedly called myself my mother my XXXX year old grandmother and harasses they threatened with abusive language they repeat XXXX all the time they threatened with obscene legal gestures all kinds of stuff and yet all they want is my card info and some crazy amount of money and they do not say for what or how or anyting they call and call and call and call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Company has given me multiple versions of when my account may or may not be unfroze. I sent in all the appropriate documents the company requested and was told wait one hour call back that was a lie so next person said wait 24 hrs and call back another run around  and lie. So since XX/XX/XXXX my account has been frozen with my only means to live along with it and all I've been told is a different version of nothing since that day and it takes five days to get a fax according to reliacard, but just two days ago I called again and finally the fax was received with my new message being that they will be looked out in 24 to 48 hrs well today I called with a man saying don't get stressed it's no big deal well sir I'm about to be homeless, and I keep being told ten to 15 days but seems like when that time comes it's well five days for this five for this or we don't do anything but read the screen and then get told they reserve the right to not renew my card and when I ask on what grounds they say idk I'm not in the investigation dept. I just want to pay my bills and not be told when I ask if no new card is given what happens to my money and they answer idk I don't work in the investigation dept. Then what can't I talk to that dept. I have done all I can do to prove who I am and do all I can do for a reason that is still unclear to me. So do I keep filing my weekly claims and take the chance of not getting it ever or do I borrow money to open a bank account and at least gety checks sent direct deposit. Bad enough it cost me XXXX bucks I didn't have to send the fax to the prepaid card. Who are these people. I've seen a lot of this with this card. 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 2015-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over 8 thousands dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In 2011 this company sent multiple letters requesting this be removed from my credit report. It has been 4 years since this company ( XXXX XXXX XXXX XXXX XXXX sent this request in writting. XXXX, Transunion, and XXXX are still reporting this negative account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Delbert Services
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$2500.00} from Western Sky ( XXXX ) and I paid the principal of the loan and I called to check the balance and was informed that the remaining balance was more than the original loan. Now I am receiving calls stating that I defrauded a banking institution and a judgment is being filed against me. These people have been unreasonable. In a desperate situation I contacted a Pay Day Loan Solution and paid the fee to them and I was informed that this company was not licensed in the state of Tennessee. Today, I called and they stated that I owe {$2300.00}. 
I need help in this situation, this has ruined my credit and I see that this company has been banned in several states and after the principal balance has been paid they are not able to recoup any other funds. Can you please assist in this matter. 

ThanksXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am my XXXX year old mothers Power of Attorney. On XX/XX/XXXX my mothers Capital One credit card was used fraudulently and was reported on the same day. It took 2 days to receive an email with a link to upload Power of Attorney to allow me to deal with the fraud. The Power of Attorney was uploaded XX/XX/XXXX and 11 days later they still refuse to speak to me regarding the account and have taken no noticeable action or have removed the charges. They appear to be continuing to charge interest on the fraudulent charges. The local sheriff 's office has asked for any relevant case # being investigated by Capital One in order to proceed with their investigation but Capital One refuses to take action. The supervisor, XXXX, said they were busy with other customers and refused to provide any method or the name of any governing authority to whom I could contact about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: VA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My account with XXXX XXXX XXXX is showing up incorrectly with the bureau. It shows late payments however the information is inconsistently reporting across the three bureaus. Specifically the dates of XXXX, XXXX, XXXX, and XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. I spoke with the company and all three bureaus as well most recently as of 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 2020-09-17
Company: Experian Information Solutions Inc.
State: WA
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:
Back in XXXX, I purchased my first home in XXXX XXXX, WA with a mortgage from XXXX XXXX XXXX XXXX ( XXXX ). 
As part of the mortgage, I setup a savings account, and setup Autopay to have my monthly dues automatically withdrawn from the checking account. Please note that I opted NOT to pay for insurance and taxes from an escrow account when setting up the mortgage. 

Fast forward to XXXX, I moved to a new city but kept the house in XXXX XXXX. Immediately upon my move, I changed the mailing address tied to my XXXX accounts from the website. I had not realized at the time that XXXX Mortgage kept separate addresses on file even though all records are accessed through the XXXX banking website, and because of this, the mailing address for the XXXX mortgage account was never updated. 

Sometime in XXXX, I switched to a different insurance company for the XXXX XXXX property and informed XXXX of the change as instructed by the new insurance company. However, sometime in late XXXX, I received a phone call stating that I was behind on my mortgage payments. 
Several phone calls later, and upon closer review of my account, I found that XXXX force-purchased insurance claiming that I had not submitted proof of insurance. Because of the insurance that was purchased and the escrow that was created for it, my monthly dues had gone up, and the amount I had setup to for Autopay was just short of the new dues. 

While this was happening, XXXX apparently mailed me notices to my old mailing address on file but never once contacted me over the phone until way late in the game. XXXX also just held on to my monthly payments without processing them nor issuing a refund. 

In the end, I immediately paid the overdue amount and submitted proof to XXXX after which they issued a refund for the insurance and associated fees. XXXX also processed all of the funds that they were holding from payments they hadn't processed, so currently I am actually 3 months ahead of schedule in my payment. 

However, despite all of the above, my credit report still reflects that I had two major delinquencies in my payment which not only impacted my score, but have caused lenders to deny my refinancing application which will end up in tens of thousands of dollars in lost opportunity cost. 

I had filed disputes with all three insurance companies to no avail, so I'm asking CFPB to please step in and get this corrected as I have not missed a single payment.

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 2021-05-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
USbank closed my account but did not delete my information. It is unlawful. I need them to delete all my account information on my online banking. 

They closed both my checking and credit card account. The checking account information has been deleted, but the information of my credit card still remains on my online banking account. It has my name, address, phone number and all important informations. 

USbank does not provide any reason to close my account. That is fine, although this is stupid because I did not violate anything. But I have the right to require them to delete all my personal information online.

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