BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: CO
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:
The XXXX XXXX XXXX XXXX is showing 4 late payments on my credit report. These payments were not late, but connected to an old account. The payments would go out and come back after the 30 day period. We've had several loans when XXXX and the issue appeared to be that the incorrect accounts were listed on payment so they would come back and we had to resubmit. I didn't realize they were filing them late as the XXXX rep with tell me that everything was fine and I assumed that meant these payments weren't reporting incorrectly as late. 
I contacted them and they did not know how to fix.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2023 I ended up calling Trans Union THIRTEEN TIMES because the majority of the times I was either quietly disconnected or hung up on! 100 % of the customer service were from XXXX. I can not get into my online account at all. None of these knuckleheads were able to help. All they could do is apologize. 
On Monday, XX/XX/2023 I called Trans Union 5 times and the exact same occurrences repeated. I have repeatedly asked for management, called headquarters, emailed and more, to no avail! This company, in my opinion, should be shut down. Trans Union has a consumer rating of a 2.7 % out of 5. Scholastically, that's just above a " C ''. I have no ben able to access my credit file for over 60 days and TU is NOT helping in the least. They do not call back when they say, they drop calls frequently, they are rude over the phone and more.

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 2018-04-30
Company: CL Holdings LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: V and H Portfolio
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/2017 XXXX XXXX Call Length 9 Minutes 1 Second This was a verbal communication. Not a written communication. Spoke with XXXX XXXX at XXXX XXXX XXXX regarding my XXXX Account. She never told me she was a debt collector and she never stated the " mini miranda '' during the call. I never heard her say " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' I dont even think she advised me that the call would be monitored and recorded for quality and training purposes ... Which I later found out through a manager that their calls are recorded. 

While speaking with her I attempted to resolve by mailing in a payment and she refused to provide a physical address for her company where I can mail my payment. She advised me the only way to resolve at this point was a card ; which I do n't believe to be true. She never provided an address. 

When I tried to call back to find out if they were an attorney office or a collection agency the person I spoke with told me that they have attorney 's there but she doesnt know if they called me. I feel like they violated my rights as a consumer as well as the FDCPA ; considering they were misleading ; unfair and deceptive in what she did and did not say to me during the course of the call. 

I do n't mind someone collecting a debt from me ; but I would hope that they would do it lawfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This is a new auto loan with XXXX. I logged in a month after the purchase, and am certain I enrolled in auto pay, like I have with my three other XXXX vehicles. On XX/XX/20, I received an alert from Experian that I had a 30 day late fee added to my credit report. This really upset me, as I know I enrolled in auto pay. Not only that, but I never received any sort of statement or call from XXXX about being late. I called XXXX 's call center, and the technician clearly did not have the correct information on file. When XXXX responded to my letter, they said I logged into the account in XXXX, and never again. Which would make sense, because I was supposed to be enrolled in auto pay. They also denied the request to remove the late payment, because they said they sent my statements 17-20 days before the due day every month. This is simply not true. I did not get any statement from XXXX, until AFTER I spoke to that technician, and he got the accurate information. This ordeal has caused my credit score to drop 93 points, and has caused a creditor to close a line of credit I use for my business. As a small business owner, it's imperative to have these lines available. This 30 day late payment must be removed, as it is because of a glitch in XXXX 's online portal, and because they did not have the accurate information, as to where to send the statements. Since this issue occurred, it has been resolved. The account is actually enrolled in auto pay, and XXXX has the accurate address on file, and I have received statements in 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 non-monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account that was not verified and still being reported on my report, FCRA states accounts must be verified or removed. XXXX XXXX XXXX XXXX needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-07-14
Company: Aspen Yo LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After some years I was finally approved for XXXX going back to XXXX. Due to this there was a reduction in my homeowners taxes that was sent to my mortgage company for XXXX, XXXX and XXXX because I have an escrow account. I called about these funds on XX/XX/XXXX, XX/XX/XXXX and faxed and wrote them on XX/XX/XXXX. I was told that they would hold the over pay until my escrow accountant was satisfied. This was on XX/XX/XXXX, spoke supposedly to XXXX XXXX on XX/XX/XXXX. He was very rude, wouldnt let me ask questions i needed for understanding. Called again on XX/XX/XXXX, same inquiry. No solution. On XX/XX/XXXX was told they got refund on XX/XX/XXXX and a new analysis was requested, they said will call me in a week. Towards the end of the next week, i called and was told they were still working on analysis and someone would call me back. It is now XX/XX/XXXX and over XXXX of paid up taxes are being held by Gregory Funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CBC Companies, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX XXXX credit card that was close to the limit for a trip to XXXX for my sons wedding few years ago. Had auto pay with XXXX XXXX card services and never a late payment for years. Sold my house XX/XX/2021 and loan XXXX said pay off card to increase my score for new mortgage. Loan officer re pulled credit for upstate and XXXX reported a 30 day late for XX/XX/2021 and my FICO plumited down and I can not get a mortgage. Payment was not late however they reported me 30 day late on credit report. This loan was paid off in full on XX/XX/XXXX and I have proof and XXXX confirmed but wants me to dispute with the credit agencies any can take too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, 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:
XXXX XXXX Acct # XXXX Amount {$1800.00} XXXX XXXX Acct # XXXX Amount {$54.00} XXXX XXXX XXXX Acct # XXXX Amount {$1200.00} XXXX XXXX Acct # XXXX Amount {$110.00} XXXX Acct # XXXX Amount {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: WELLS FARGO & COMPANY
State: NJ
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 several balances on a Wells Fargo credit card which were can advances with 0 % interest. I was under the assumption when I make payments it went to the oldest advance first. I find out after making a payment to pay off an expiring 0 % rate that I had to wait a day after the expiration to pay it if I wanted my balance paid off. So paying ahead of the expiration they were splitting my payments to the several advances not putting it toward the oldest advance first. I never knew this and didn't realize it until I saw an interest charge this month. 

I contacted Wells Fargo who said that's how they do it. So they do it to make themselves richer while people think they are paying off the oldest first. They are not willing to change it, I feel scanned by this unethical practice. They should be held to a standard to help people not hurt them. Something needs to be done about this type of scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
About a week ago, I transferred XXXX dollars out of my credit karma  checking account to my XXXX XXXX XXXX Savings acct. for some reason, the transaction was flagged by XXXX and sent to my linked bank account at XXXX XXXXXXXX XXXX. However, my XXXX XXXX XXXX account had already been closed for some time, and naturally, the money was sent back to credit karma from XXXX  XXXX XXXX as it should have been in the first place. Upon the money reaching my credit karma account, my account was immediately locked and placed under review. I am lodging this complaint towards credit karma in order to get their attention because its almost all the money I had and I can not afford to wait weeks and weeks for them to unlock my account. The full explanation of where that money came from and why is presented above. Credit karma offers no way to contact their specialized review team, therefore I am getting in touch with them by whatever means I have, in this case via the CFPB. Please get back to me credit karma, and please unlock my accountI really need the money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage payment went up, I am on a fixed income and I can not afford additional expenses. I am afraid that I will default on my loan because the payment increased. The mortgage company will not assist me with a modification because I'm not late. I need a lower interest rate, it's going up 5 % in XXXX. They told me they had other programs but didn't tell me what they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: National Credit Adjusters, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Adjusters ( NCA ) has illegally re-aged a collection for a XXXX XXXX loan. The origination date should be XX/XX/XXXX, but NCA reported to all three credit agencies ( XXXX, XXXX, and XXXX  ) an origination date of XX/XX/XXXX, 4+ years later. 

I contacted NCA on XX/XX/XXXX to pay off the debt ( Authorization # XXXX ). NCA representative XXXX ( Facility XXXX, XXXX XXXX ) stated they would report the XXXX  balance but would not correct the origination date. She transferred me to XXXX ( Extension XXXX ) in the " Consumer Response '' department who failed to answer the phone. I called back numerous times to try to speak with him, but every time I got his voicemail. I left a voicemail and did not receive a call back. 

I would like the CFPB to investigate NCA for the illegal practice of re-aging debt to trick the credit reporting agencies into believing the debt is newer than it is. This collection should fall off my credit 7.5 years from XX/XX/XXXX and not 7.5 years from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I noticed on my Experian report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.

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 2022-08-05
Company: EQUIFAX, INC.
State: TX
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 have tried contacting XXXX and Equifax in regards to fixing the technical issues in my online accounts and they have failed to fix my issues. 

At the moment I am not able to see my free report, manage alers & freeze my report!!! I have called multiple times and have received responses that are a complete lie! 
Multiple representative have told me that it would be fixed in 24-48 hrs, some have told me that they would have an agent call me to fix my issues but so far NONE OF IT HAS BEEN THE TRUTH. I am unable to manage my freeze, see scores and manage my alerts!! I have XXXX control of my report which is affecting me and violating my consumer rights! Fix this issue ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I notified Experian of an invalid account on my credit file. Under federal laws and FCRA guidelines section 609 ; I requested Experian to validate/verify the account by the name XXXX XXXX/XXXX. In has now surpassed the 30 day investigation period and I have yet to receive a response. Experian is now in violation of FCRA section 609.

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 2020-07-14
Company: Experian Information Solutions Inc.
State: WA
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2021-04-13
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: Account information incorrect

Complaint:
TRANSUNION FAILED TO PROPERLY VERIFY 100 % ACCURACY OF COLLECTIONS. UNVERIFIED ALLEGED ACCOUNTS PLACED IN CREDIT FILE. 

ACCOUNT # XXXX XXXX  {$1000.00} COLLECTION ACCOUNT # XXXX XXXX XXXX {$130.00} COLLECTION

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 2020-07-25
Company: EQUIFAX, INC.
State: MD
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 several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX - balance is showing as {$1100.00}, no account number listed ; account stated opened XX/XX/XXXX ; company address XXXX XXXX XXXX XXXX CA and XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX, listed on both Equifax and XXXX

Company response to consumer: Closed with explanation