BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2023-07-10
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: MONEY SOURCE, INC., THE
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018 I sent an email at the advice of The Money Source 's customer service to request another veteran who was purchasing my home to assume my mortgage. I got no response for over two weeks. I called the company numerous times over the course of the two weeks to no avail. During this time, the buyers conducted an inspection of our home and while waiting to see if the loan can be assumed, we had to make financial decisions based on the unknown. We agreed to fixes being done on the property which we would not have agreed to if the loan was in fact assumed. 
Our closing was scheduled for XX/XX/XXXX. The XXXX XXXX provided documentation that needed to be signed for the assumption. This documentation relieved the us the sellers of any financial responsibility of the loan. The selling transaction took over two days to go on record because The Money Source did not send the proper paperwork to the closing. This forced us ( sellers ) to pay two additional days of expenses. 
Nowhere in the documentation we signed did anything say we forfeited our rights to our money in escrow. After 30 day, a phone call was made to The Money Source requesting the money in escrow. I was told that I relinquished the rights to that money ( over {$1200.00} ). After speaking with my attorney, many hours were spent dealing with the money in escrow. This is time an attorney had to use to rectify an escrow check which is protected by RESPA. Finally 43 days after the closing, the money was received. 
45 days after close I received a call from The Money Source saying my account is behind! I do not own this mortgage, but my information is still associated with the loan. In an email from The Money Source to the buyers of the property, it stated a payment was not due for 30 day, yet this is the second month the mortgage company is requesting payment ( XX/XX/XXXX, XX/XX/XXXX). XX/XX/XXXX payment should not have been due.

This loan was assumed. Time and money has been sacrificed at the hands of The Money Source

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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:
on XX/XX/2020 at XXXX XXXX  Delivered to Agent for Final Delivery XXXX, PA XXXX i contacted credit reporting agency about a fraud on my report. agency did not follow protocol as needed to remove fraudulent 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 explanation
Consumer complaint received 2018-07-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-03-04
Company: Atlanticus Services Corporation
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fortiva XXXX  Showing past due amounts XXXX of XXXX XXXX {$790.00} Company saying balanced is closed when its at a XXXX balance Company also XXXX balance when it should not be closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Account information incorrect

Complaint:
I had a XXXX XXXX Credit Card and was making ontime payments. Due to XXXX my job down sized and I wasl laid off. I was unabl ; XXXX to keep up with my payments so eventually it went to Charge-off status One bureau said I was 120 days late and one said I was 150 days late. They also reported incorrect information as far as the date open, last oaid, and also past balance due. I thought that under FCRA guidelines all information must be accurate and isn't it a violation to report past due balance on a charge off. This has cause me stress and the inability to purchase a home. Please assist with clearing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/2018 my student loan provider, Nelnet, contacted me via email regarding a change to my payment plan and that unless otherwise directed they would be putting the full amount of my payment toward my highest loan amount. The problem with this is that the interest on the other loans was not being paid down first so when I received my account statement in XX/XX/XXXX my total balance had increased by over {$50.00}. 

I contacted Nelnet customer service via phone on XX/XX/2018 and asked them to change my payment allocation back to the old payment method. When I brought up the email from XX/XX/XXXX, they claimed to have no record of this change and their excuse for changing my payment allocation was to help me pay off my loan faster. When I pointed out my loan amount had actually increased due to this change the customer service rep argued with me that it would in fact help pay off my loan faster as if sticking to some sort of script or talking points. After a bit of back and forth the rep did change my loan back to spreading my payment evenly across all loans. 

That is until this payment period of XX/XX/2018 when I noticed that once again the payment had been made to my highest loan amount and allowed interest to accrue on the other loans. This was done without my knowledge or consent and I will be seeking legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: BARCLAYS BANK DELAWARE
State: ME
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:
A check was mailed to Barclays for the entire balance as a part of credit consolidation. The check was mailed XX/XX/22 and cleared on XX/XX/22. I called the company the following week and was told no check had been received. I got a copy of the check from the issuing institution and called Barclays again, twice attempting to resolve and speak to a XXXX. I also did a chat with another associate. I was told there was a case number XXXX that was created on XX/XX/22 but it could take up to XXXX months to resolve, they would not credit my account until it was resolved and I would need to continue to make minimum payments until they reached a resolution. This is unsatisfactory, as well as it takes longer than XXXX mins to reach a supervisor. I have tried multiple times and I am left on hold indefinitely. I have given up but demand a resolution. And will I be liable for accrued interest during this time they are researching?

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 2018-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This HELOC was included in a bankruptcy in 2004 and so does not report to the credit bureau 's and they are not allowed to chase me for it, despite this I pay it on time every month, at least for the last 2+ years. For the second time this year I received a SCRA notice, which is the first step in the foreclosure process. I called Bank of America and they said it was a mistake. Twice already this year, while I pay them monthly, they have sent this which always scares the heck out of me and causes me to spend hours trying to get them to talk to me and checking my own records. They need to cut the XXXX - sending that notice is akin to threatening foreclosure and for anyone who's ever faced foreclosure it is terrifying. So to receive these repeatedly when the mortgage is being paid monthly is unacceptable. They also took away my ability to view the status of the mortgage on my BofA online account - up until last year I could view the activity on it so it was easy to pay and see what was due when. Now they restrict online access to this one account, which is wrong, because it was included in my bankruptcy 15 years ago.

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 2018-07-18
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX - Can not access my credit score as a paying member of this service. Have attempted to call several of their offices only to be told to call during business hours. It's XXXX XXXX EST and their recording states to call between XXXX XXXX  and XXXX XXXX CST.

I've attempted to contact them in the past and have been put on hold for over an hour only to be disconnected. I feel that I'm being ripped off by Experian where I can't talk to representatives regarding my account. No notices have been posted on their website regarding technical difficulties.

Feel as though I'm being held captive from an agency that is unresponsive to vital services, especially one that I'm paying monthly fee for.

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 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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 2020-07-10
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:
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 2021-06-24
Company: DISCOVER BANK
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 called Transunion and told them about the inquires that they put on my report that wasnt correct and would like them updated and removed but the reps either hung up on me kept saying no everything correct on your report and brushing me off yelling etc. I was told that I can reach out to you for better 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 2021-02-11
Company: Shellpoint Partners, LLC
State: IL
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:
New Res-Shellpoint MTG has repeatedly during the servicing of my account misallocated payments. I filed a complaint with the South Carolina Attorney General that explains and documents my ordeal/nightmare with this company lack of professionalism. Please see the included pdf attachment. After paying of this account XXXX XX/XX/2020 I noticed on my credit bureau reports New Res-Shellpoint MTG classified my Mortgage Loan as a Home Equity Loan which was inaccurate. Upon attempting to have them change the classification to the correct one Mortgage Loan they changed my XXXX payment to 30 days late which is inaccurate. My problem with New Res-Shellpoint MTG has been documented via email complaints see they acquired my loan from XXXX XXXX. I truly believe I'm not the first and I won't be the last person dealing with this New Res-Shellpoint MTG company that has displayed in my humble opinion true deceptive practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOVERY ASSOCIOTES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Adler Wallach & Associates, 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:
I returned a rent to own shed and brought a bigger one from another company, AWA Collections filed information on my credit report that i owe XXXX XXXX XXXX XXXX {$6300.00} dollars, i have did a number of disputes and contacted AWA and XXXX XXXX XXXX about the situation, they have done nothing to removed this from my credit report.How can i owe money for something i returned in good shape, a rent to own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I called to once again let them know Im being reported late although their records show I havent been late Rep insisted their records were correct and up to date but credit report shows late ... .I also call XXXX, and XXXX of XXXX to have them investigate the account as to why they were reporting me late and was told the would make the changes and updates would be made but none were made. Modified mortgage in XX/XX/XXXX have been paying each month never late and the still report me late. Theyve reported late during my modification trial months as well and each month then after.

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 2019-10-29
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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