BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 multiple problems with the following collection accounts, and hard inquiries. I was a victim of identity theft. I did not authorize the opening of any of these accounts. I received several alerts to my email from a credit-monitoring site that I had a trial service with years ago but paid no attention. I recently pulled my report and was in awe of the amount of errors and fraudulent accounts. I did some research and received some legal advice. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-12-05
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 XXXX XXXX account ending in XXXX has no delinquency ( must not have any ), i have disputed this with the creditor and they have fixed this problem and removed the error, therefore the bureaus must remove this as soon as possible, i need have this removed as soon as possible and they are giving me a very hard time, XXXX XXXX letter ( attached ) specifically mentioned this error, i need your help to have the bureaus remove this inaccuracy 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 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have continuously disputed unauthorized inquiries on my credit report with TransUnion. Personnel has not investigated any of the numerous requests that I have submitted. Instead they send a form letter explaining inquiries. TransUnion has not adhered to the law, requiring them to investigate 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 2022-02-01
Company: EQUIFAX, INC.
State: WV
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 have pages of inquiries that was not me and breached data showing up constantly using my email and other personal information alerting me that its showing up on the dark web also I am now dealing with a huge problem with my account through XXXX that I pay for to access all three credit bureaus was hacked and it took me forever to get back into it and I had froze and locked all accounts they were all unfrozen. I have never filed for unemployment and now received a statement from workforce wv from the IRS of file taxes stating someone claimed {$11000.00} using my information and have never filed for unemployment. I will filing police reports due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 had a statement balance due of {$3000.00} on XX/XX/2019. I made a payment for the current balance due of {$4200.00} from my banks savings account on XX/XX/2019. I received a confirmation of payment email from my credit card company on XX/XX/2019. I received a " payment posted '' email from my credit card company on XX/XX/2019. On XX/XX/2019 I received an email from my credit card company stating that my payment was past due. After speaking with my credit card company, I was told that they posted my payment & credit my account with the balance paid " in good faith '' that my bank would pay the charge. Since I wasn't notified that my bank did not make the payment until several days after my payment was due, I was charged interest for non payment. This seems unfair as I should have been notified sooner that their was a problem with my payment to give me a chance to correct it before incurring interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Navient has incorrectly reported three ( 3 ) 90-day late payments on my credit report during a federally mandated suspension of all student loan repayments. When I contacted them to correct this error in their reporting, they refused to correct it. 

According to Section 3513 ( d ) of the CARES Act ( Public Law 116-136 ), federal student loan repayment suspensions were supposed to be reported to consumer reporting agencies positively ( i.e., as if the borrower has been making regular payments. In relevant part subsection ( d ) reads : During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower.

CARES Act suspension of federal student loan repayment was extended until XX/XX/2021. 

Navient has completely disregarded federal law and has ruined my credit. Given that they have made this fatal error in their reporting, I am respectfully requesting that this error be corrected and Navient reflect the appropriate positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi, my name is XXXX XXXX, Carrington mortgage services LLC, XXXX : XXXX, Fax : XXXX. On XX/XX/XXXX, over the mail, I received the new home insurance quote, on XX/XX/XXXX Carrington mortgage services LLC paid the new quote, by federal law, on the contract and the type of loan says that I have 30 days after I received the new home insurance quote for me to choose different home insurance, after I called carrington several times they don't want to stop the new home insurance quote, also after 5 years in row I haven't miss any payment, and the premium should go down, but carrington won't do it either, and at the top of that they want to charge extra fees. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan was paid off from the car dealership. I paid the balance in full. Months later I received a bill for more payments. Now they have charged this off on my credit report. I told them it was paid off and they show it paid off. Please help no one cares at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a Hard inquiry on my credit report for a credit card that was not adding to my accounts. Hard inquiry is on all my credit reports on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Due to COVID-19, I had experienced an unexpected financial hardship. On XX/XX/2020, I contacted XXXX customer service and was assisted by a rep by the name of, XXXX. I advised the rep of my financial hardship due to COVID-19 an asked if XXXX could notify the credit reporting agencies of my hardship instead of reporting me as delinquent ( I was advised I was 61 days past due ), which would cause substantial financial harm to and would lead to me paying higher interest rates, not being approved for loans and potentially being denied for employment ). XXXX advised me to contact the credit reporting agencies directly, which is deceptive. Per 1022.43 ( a ) ( 4 ) - Direct disputes, the furnisher is required to conduct a reasonable investigation of a direct dispute. I have had an excellent payment history for the previous 33 months without any issues. As required by 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), I ask that XXXX update my status with the credit reporting agencies due to the COVID-19 to avoid harming my due to circumstances outside of my control.

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 2018-09-07
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I was served court documents from the County sheriff that I was being sued by XXXX XXXX XXXX. First, I am a XXXX veteran with XXXX XXXX  XXXX. It is not appreciated that scare tactics, such as using a sheriff to deliver court documents because it resulted in me having a XXXX XXXX in front of my daughters. Second, I have NEVER received any correspondence from XXXX XXXX XXXX, a debt collection agency, nor have I NEVER received any phone calls from XXXX XXXX XXXX in regards to debt claimed owed. My rights under the Fair Debt Collections Practices Act were violated, because I was NEVER given the opportunity to dispute the debt within 30 days to XXXX XXXX XXXX. If I was notified properly, I would have disputed the debt within the 30 day time frame and I was denied this right. 

In regards to alleged debt owed : 1. I have no contract/credit card agreement with my signature on it with XXXX XXXX XXXX and this proof needs to be provided. Provide documents with my signature on it. 2. provide ALL XXXX XXXX XXXX XXXX to show the purchases I made through them, and the payments I sent directly to them. XXXX   statements is legally insufficient. 3. Provide a bill of sale showing that XXXX XXXX XXXX paid the FULL amount of debt of {$5000.00} directly to XXXX XXXX XXXX XXXX ( not a charge off amount ), since XXXX XXXX XXXX is a debt junk buyer and is trying to get more money than what they paid for debt. I have also submitted a complaint to the XXXX XXXX XXXX and contacted a lawyer in XXXX for the violations they have committed under the Fair Debt Collections Practices Act and for the emotional distress that was put on me because of their scare tactics used.

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 2022-08-11
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

Fraudulent accounts : XXXX  XXXX Open Date XX/XX/XXXX Balance : {$6200.00} and XXXX ( Original Creditor XXXX ) XXXX Date Opened XX/XX/XXXX Balance {$120.00}. Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EXPERIAN XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXXXX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-04-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom this may concern, Upon looking at my credit file in XXXX of XXXX to obtain a mortgage, I realized there was a collection being reported as an open collection item on my credit file in the amount of ( {$3900.00} ) by a company called FCO Fair Collection & Outsourcing. The company said the debt was opened on XX/XX/XXXX this debt is most certainly not mine as this case was dissmissed without prejudice in court ( see attached REQUEST FOR DISSMISSAL signed by the court as of XX/XX/XXXX ), only to have this debt forward to a collection company causing great hardship for me and my wife in trying to obtain a mortgage for our family after years of renting. I attempted to contact creditor to provide proof of debt only to be told debt is allowable by law and that don't have to prove the debt is owed. I went only tell them that the debt was dissmissed in court and forward proof of said dissmissal I was told that the legal court document was worthless and that they legally have a right to seek damages for wear and tear, paint and carpet outside of court. I tried to explain to them that I've in apartment for over 2 1/2 yrs and thought I left the apt spottless, it was signed off my the onsite manager upon acceptance of the key. Nevertheless, it would be expected to paint and replace  carpet but not at my expense I would like the matter be resolved and removed from my credit file.

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 2019-04-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
There was a promotional offer provided with XXXX ( through Synchrony ) - offer pasted below. I made five qualifying purchases within this period and registered each one to ensure that the credits would be received. I have received three statement credits, but I am still missing two. I have tried to chat with the company five times and they keep telling me they have escalated it, are looking into it, or someone will contact me and nothing is done. I don't know if they have pulled this with other cardholders also, but I believe I needed to submit this so it doesn't happen to anyone else. I am currently waiting on the last two credits for {$75.00} ( total of {$150.00} ). I asked them to clarify I would receive them. They said I should receive a credit. I worded it asking to answer yes, that I will receive a statement credit. They didn't want to answer definitively " yes '' and then backpedaled when I explained I would be submitting a complaint. 

EARN UP TO $ XXXX paid as a statement credit when you make a single receipt, online or in-store purchase with your XXXX XXXX XXXX at a participating location. There is no limit to the number of statement credits you can earn during the promotion period, but you need to register for each statement credit to receive the credit. 
XX/XX/XXXX - XX/XX/2018 {$50.00} BACK on purchases of $ XXXX {$740.00} {$75.00} BACK on purchases of $ XXXX {$1400.00} {$100.00} BACK on purchases of $ XXXX HERE 'S HOW : 1. REGISTER by visiting www.XXXX or by calling XXXX no later than XX/XX/2018. 
2. USE your XXXX XXXX XXXX on any single receipt, online or in-store purchase XX/XX/XXXX - XX/XX/2018 at a participating XXXX XXXX   location or online. 
3. EARN up to {$100.00} back in the form of a statement credit. 

DON'T FORGET : You must register for each statement credit to be eligible to earn the statement 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 monetary relief
Consumer complaint received 2019-11-16
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated as a XXXX  and consolidated my loans. American Educational Services ( AES ) was my loan servicer. I was not able to afford my loans when I began XXXX. I made {$30000.00} one year. My loan payment was over {$800.00} per month. I was told that the only thing that I could do was defer my payment because I could not afford it. I was also told that I did not qualify for loan forgiveness or income based repayment. I paid 35 payments to AES. I moved my loans to FedLoan and started all over. I still have 36 more payments due to FedLoan. I should be done paying my loans if the 35 payments could be counted toward the 120 for Public Service Loan Forgiveness. The loans should have been paid several years ago if the deferments would be counted. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
State: OH
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, Dear XXXX XXXX XXXXXXXX XXXX XXXX XXXX, oh XXXX I m writing to you to request a correction of the following informations that appear on my ( Equifax, XXXX  and XXXX  ) consumer  reports. 
Balance {$75.00} ( XX/XX/2019 Balance {$710.00} ( XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
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:
We rented an apartment XX/XX/2011.We were offered XXXX XXXX  to cover a large deposit instead.We found a home after two years of renting.I was under doctor care.So I was a XXXX. Two years after we moved. we started getting threatening calls from XXXX saying our family Cat XXXX all over. Which is an out right lie ... Our cat was a XXXX XXXX XXXX, indoor.And we were pristine tenants.The company was saying terrible things about what he would, or could do to us.It was horrible. Now after 6 years after our move.They still refuse to take me off the Credit standing and since contacting about not paying and their harrassment, abusive false claims. They are adding more to their balance. This company should be put in jail for their horrible threatening, dishonest scam, money collection practices ... We WILL NOT PAY, BECAUSE IT IS LIE..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a mortgage from XXXX XXXX XXXX on XX/XX/2017 and paid at closing {$1000.00} in interest for XX/XX/2017 through XX/XX/2017. Four days later, on XX/XX/2017 XXXX XXXX XXXX transferred/sold the loan to Wells Fargo ( loan # XXXX ) along with the interest of {$820.00} for XX/XX/2017 through XX/XX/2017. Wells Fargo refuses to acknowledge that this amount XXXX {$820.00} XXXX was received and, accordingly, this amount is not included in the interest amount that is reported on the tax form XXXX. Wells Fargo 's claim of not acknowledging receiving interest is preposterous. I highly doubt that when Wells Fargo loans money it would let anybody else keep the accrued interest, even for a day. I'm attaching my communication with the mortgage originator XXXX XXXX XXXX that clarifies the situation. Another aspect of the problem is since loan processing is highly automated I suspect that I am not the only customer who had his mortgage transferred to Wells Fargo mid month and had the interest reported incorrectly on the XXXX tax form. There should be plenty of customers like me whose XXXX will need 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