BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: United Shore Financial Services, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, This is my second complaint regarding the same group of lenders/loan officers associated with my mortgage. Below is their information : XXXX XXXX LICENSE ID XXXX, United Wholesale Mortgage XXXX XXXX XXXX XXXX ) XXXX BROKER XXXX Loans NMLS/SC LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX XXXX LICENSE ID XXXX EMAIL XXXX PHONE ( XXXX ) XXXX My first complaint was about Anti steering law that the lender and loan officer did not abide by. My complaint is unresolved to date. 

This is a complaint about the loan payment setup. I was repeatedly promised that there was no penalty to pay off the loan sooner than loan duration and that I will have the option to choose to pay at a bi-weekly pace. I have repeated confirmation from the loan officer from well before closing and from today XX/XX/2022 over the phone, my loan officer confirmed the same yet again. However, United mortgage 's representatives said they do not offer true biweekly payment opportunities. They instead offer a budget payment option that is not the same as biweekly and I am not interested in this make-shift option. I would like for the loan officer and the lender to clarify and rectify this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: NCB Management Services 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: Old information reappears or never goes away

Complaint:
XXXX XXXX  purchased bad paper loan from my previous car loan provider who repossessed my vehicle. The car was sold, the insurance paid the shortfall and the company is now reporting this old debt as legitimate on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NV
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX and XXXX did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am being harassed and notified to be sued if I dont pay a collection that I already disputed and showed proof of why I am not responsible for the collection. It was already removed from my credit reports earlier this year and my insurance has already sent forms to the other party and myself that these charges are not my fault. This has to do with an accident I have had on XX/XX/2017. XXXX ambulance took me to XXXXXXXX XXXX XXXX. They never sent me no forms of mail to me or my insurance company which is XXXX XXXX describing payment for ambulance ride. They sent a collection against me without contacting me first. I was notified about the collection two years later and my insurance had said it was there fault for not notifying me or them about the charges within a year. My insurance company also told me they sent the collection against me 30-40 days after my accident which is a untimely matter. If they wouldve just let me know about these charges back in 2017 my insurance company wouldve paid the amount. But they didnt and now my insurance company have sent forms and spoke to them that they are not to go against me or them for these charges. Professional Finance Co is the debt collector that is trying to sue me and harass me about this debt collection and Iam not responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls repeatedly and I never get to know why they are calling they ya g up on my all the time and Ive called them as well they just keep talking in circles or hang up on me again. 

I can never get the chance to tell them to stop calling me or family members phones they just call and hung up constantly. The XXXX says they are legit but I do not believe so at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the beureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-11-20
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my 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 2020-10-29
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:
Good Day, I am XXXX XXXX XXXX and my reason on reaching out to you is to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have struggled to make my student loan payments at several times over the life of the loans. When contacting Navient, I have not been given adequate help, but have been met with attitude and incompetence. I have never had a representative go over all the options available to me. Because of this, I have had many years where I was paying money when other options were available. Navient has taken thousands of dollars from me over and above the cost of my original loans, and after all those payments, I still owe {$9000.00} more than the original loan amounts. I paid off a loan yesterday, and my rate increased overnight almost a whole percentage point. However, when I called to speak with a representative, I was told the interest rate was based on the market value, but she could not tell me what the market value was or whether it had increased. However, when the markets tanked several years back, my interest rate was never reduced. I have never received a market reduction, only increases. This seems predatory. Im trying my best, and Navient is also trying their best to make it hard to get out of this debt. Sallie Mae knew what they were doing offering loans to kids who didnt understand what they were signing. They took advantage of kids who wanted to get a degree. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: I.C. System, 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 is still reporting on behalf of XXXX a telecommunication firm that is reporting an amount on my credit report for service that I never received or utilized I advise the rep who called me that I am not interested in service and they still signed me up. 
i have been scammed and want this off my credit asap of all bureaus I have called and ask to h=get help from both XXXX  and the credit company that purchased the debt are not removing even after I have asked for them to prove the debt and they cant. 



XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$140.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: OH
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 sent letters out over 60 days ago and still haven't gotten a response back. I feel like they are ignoring my issues because I thought they had 30-45 days to respond.

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 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 am reviewing my credit report and I see I have an unknown hard inquiry from XX/XX/2019 on my account from " XXXX ''. 

I am completely unfamiliar with this nor did I apply for anything around that time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Radius Global Solutions LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i have no knowledge of debt contacted by debt collector on phone apparently it is a hospital bill from XX/XX/2013. 5 years ago. I know i paid this but given the age of debt i now longer have access to insurance claim or fsa records to support my claim this is the second collection agency I have not been sent anything in the mail to will not send me a way to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The outstanding Principal Balance of XXXX of loan number XXXX was paid off on XXXX. I have been waiting for something from Specialized Loan Servicing to take to the lawyer so that the deed can be switched over to my name since I am the executor of my mothers estate. But instead they sent me a stack of new mortgage payment statements. In XXXX they sent a Mortgage Payment Reminder, my wife contacted them but they refused to speak with her regarding this mortgage despite me giving authorization many times to speak to her, since I have to continually take off of work to contact them. Now I am receiving foreclosure statements, I can't understand how a mortgage be in foreclosure when in is paid off. I took off work again on XXXX and contacted them again to let them know that the loan was paid. Now I was notified that to close the loan they wanted more monies to close the loan plus late fees for the 4 months starting in XXXX, XXXX, XXXX, and XX/XX/XXXX, but nothing was due so how could I get late charges.

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 2018-03-01
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:
TRANSUNION HAD A " SERVER ERROR '' XXXX. TRANSUNION DELETED A TON OF INQUIRIES FROM CONSUMER 'S CREDIT REPORTS THEN PROCEEDED TO PUT THEM BACK ON THE CONSUMER 'S CREDIT REPORTS. TRANSUNION FAILED TO FOLLOW THE LEGAL PROCEDURE TO ACTUALLY DO SO!. I CALLED TRANSUNION @ XXXX AND SPOKE WITH A REP, A SUPERVISOR, AND SPECIAL HANDELING THAT VERIFIED ( ON RECORDING ) THAT I WAS A VICTIM OF THE " INQUIRY ISSUE '', THE CUSTOMER SVC REP WOULD NOT HELP ME AND DID NOT TAKE CARE OF THIS TO DELETE THE INQUIRIES FROM MY CREDIT FILE EVEN AFTER VERIFYING THAT I ( IN FACT ) WAS A VICTIM. THE CUSTOMER SVC REP THEN VERIFIED THE ACCOUNT INQUIRIES LISTED HERE : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. ALL OF WHICH THESE RESULTING IN MULTIPLE INQUIRIES AND DUPLICATE INQUIRIES ON MY TRANSUNION 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 2020-10-29
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
I disputed inaccurate information on my XXXX, experian and XXXX reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.

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 2020-11-20
Company: EQUIFAX, INC.
State: NC
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 a bankrupty on all 3 of my reports. I have never had a bankruptcy. I filed one then went back within 3o days and withdrew it. I feel it is unjust and it has caused me severe hardships so much that I couldnt care for my dad so he passed. I went homeless and stayed homeless for years because I couldnt find decent housing. It is not right or fair for me or anyone to hav e to go thru the same harsh punishment for filing a bankruptcy but never being declared or more less, never going in front of a judge. Just never persuing it at all, and a person that filed, went to the judge, got their bills erased, was declared bankrupt, and was under the laws of bankruptcy and eventually was released. It is unjust for the two different scenarios to have to go through 10 years of negative reporting. why does the credit bureau have the right to tarnish me and my name for something that never took place. Filing and being declared bankrupty is 2 different things. Filing to be declared bankruptcy isnt what I had or have. I filed just to start paperwork however, never finished the paperwork and was never declared. Yet my life has been ruined in many areas for the past 9 going on 10myears. Why do the bureaus have the right to abuse their power and who gives them this right? My life ruined because of power and money. They have no idea what it has done to my mental health. my emotional health, and my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: SYNCHRONY FINANCIAL
State: CO
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 an account that i paid on time every month without ever missing a payment. I recently tried to get qualified for a home loan and i noticed that i had a 30 day late payment from this account. I was never notified and i never fell behind on any payments. when i call no one can really give me a straight answer as to how it was late and honestly i don't have the records of it but i know i was never late because i had it set up on automatic payments from my account. Please assist me in getting this removed from my account and show my account as paid as agreed.

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 2023-05-17
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2018-02-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to explain that this debt does not belong to me and I was not able to get any results

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 2020-11-20
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: Old information reappears or never goes away

Complaint:
XXXX  is the only one, well XXXX  as well that is showing wrong information accounts that do not belong to me, that is why Experion delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but XXXX. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH 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