BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted multiple disputes to remove the following XXXX XXXX Accounts : XXXX XXXX XXXX XXXX These accounts have been charged off and I have not received any of the 1099 cancellations of debt forms. These accounts should be removed from my credit profile immediately.

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 2019-09-07
Company: CORELOGIC INC
State: NV
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:
CoreLogic keeps reporting an eviction with XXXX XXXX from XXXX, CA that is closed due in the court records as mine, owing and open. I've sent them identify theft police reports, copies of the case, all of my old driver 's licenses and proof I included it in a ch XXXX bankruptcy but they refuse to update their records so I've been denied as a tenant several times.

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 2017-09-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 all has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply

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 2022-09-08
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be REMOVED and BLOCKED. 


XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-05-25
Company: Ingenuity RM, LLC
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are charging interest on Medical Debt. The original creditor which is a health care provider/ Hospital/ Clinic does not charge interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: U.S. BANCORP
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
In 2010 I applied for a private student loan with XXXX XXXX  to finish my XXXX XXXX XXXX at XXXX XXXX. I believed when applying for the loan I was applying for a fixed rate loan, while filling out the application it was a fixed rated loan, going over and signing the paperwork it was a fixed rate loan, and even when I begin to make my payments I believed it was a fixed rate loan. I begin to pay the loan back and my payment was something like XXXX dollars a month and I was paying double that to try and get it paid off. I encounter some other bills so I begin to make only the minimum payments of XXXX or XXXX dollars a month for this loan. I had already gotten it paid down to like {$2400.00}, within the first 5 months. I then received a call from a person from XXXX XXXX  telling me my payment was short or I missed a payment. I explained to him that I had never missed a payment and that I had been doubling my payments but I had to stop ; however, I was still making the minimum required payment. That man was so disrespectful to me and treated me like I was the lowest person on earth. Yes, after that I gave him a piece of my mind and asked him who he was talking to and he would not talk to me that way. He stated he would show me and hung up. I did not think anything of it and continued making my payments. XXXX XXXX  transferred my account to XXXX, I believed it was transferred somewhere else first then ended up at XXXX but I really can't remember who was the first company. I really had not paid much attention to this loan and I have just been making my payments always in the back of my mind saying this is not paid off yet. After graduating from another college and having those loans paid off and I am still paying this loan from 2010, I know said I need to look into this. What I discovered and now know what he meant when he said he would show me. My loan now is a fixed/variable rate collecting daily interest with XXXX installments. There is no way I would have signed a 15-year loan for {$3000.00}. I will never be able to pay this off and this would not have made sense to do. I believe that a XXXX XXXX  employee changed my original loan and then sold it to another company to get it off of him. I never signed anything to my knowledge for a variable rate loan. I know I would never have done that I am asking that the original loan document be pulled showing where I signed the paperwork. Showing where I signed for a fixed/variable loan. I am also asking at this point that this loan be forgiven, I have paid well over {$3000.00} for this loan. if not forgiven at least refinanced to something that is more realistic and more reasonable and makes more sense. Thank you for any help that you can provide.

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 2021-09-24
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:
Inquiries need to be removed. I didn't give them permission to access my 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 non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing to request correction of the error in my escrow account with Planet Home Lending. I have contact Planet Home Lending on XX/XX/XXXX and XX/XX/XXXX explaining in great detail their error involving my escrow account. I related that my property taxes from my county is paid ( 2x ) a year, which Planet Home Lending can easily view from my previous payments over the 10years that I have been with them. Here is the problem my property taxes were paid by Planet Home Lending for the 1st installment in XX/XX/XXXX and the 2nd installment was to be paid in XX/XX/XXXX. I come to find out that during the period before the 2nd installment was supposed to be paid my count had re- assessed the property and the 2nd installment was XXXX, therefore the 1st installment of XX/XX/XXXX has covered the entire re-evaluation for the year. I tried to explained this to Planet Home Lending and they refused to believe that my property taxes were paid in ( 2 ) installment, but ( 1 ) and would not call my county to verify. They withheld my escrow refund for the my 2nd installment of XXXX and my payments has increased due to them saying I had a escrow shortage and I have been paying over in escrow and monthly payments. This is unacceptable for a mortgage company to do this a customer or customers and has cause me great stress and anxiety of paying more than what I supposed to be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed an account ( VANCE AND HAUFFMAN LLC ) in the amount of {$690.00} in which was removed from my credit. They put it back on my credit after it was once taken off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
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:
I opened an account with Carrington Mortgage in XXXX and have an ongoing relationship with them. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XX/XX/XXXX. I was having health issues and was hospitalized and had no one to help with my expenses. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have had with your company for the last 17 years. This one late payment is causing me extreme hardship. I am hoping that Carrington Mortgage can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment. I have really enjoyed doing business with Carrington and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome from Carrington Mortgage. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have expressed difficulty with maintaining payments, but have been told there is nothing that can be done to lower payments. They 've said I am ineligible for any assistance, lowering payments or offering a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had multiple overdrafts from wellsfargo with fraud and i was responsible for having to pay these. no investigation was ever done, wellsfargo closed my account and open a new account I had the same issue when I asked if I could speak to the fraud department i was told they will call me and know every did. my money was missing via on line by the app.. I never received statements or texts msg about my account. I just recently received a correspondence from wellsfargo that my address was updated on Saturday XX/XX/XXXX  i called and person i spoke to was rude.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXBalance : {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXBalance : {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: BANK OZK
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This is regarding early pay off of my Mortgage. I closed on this loan in XX/XX/XXXX. I was told that this loan had a penalty if paid off before the one year anniversary. I attempted to pay off the loan in XXXX, XXXX which is 2 years and 4 months after the loan began, well after the one year anniversary. When I called to get the pay off amount, the agent first confirmed that there we were not in the early pay off penalty period. She then gave me the pay-off figure which included a 1 % penalty. She then said that the contract indicated that the pre-payment penalty was 1 % after the first year anniversary. She emailed me the contract. This was very concerning because our very clear recollection from closing was a 1 year pre-payment penalty period and we had a document from our mortgage broker clearly stating this. After many phone calls and intervention from our broker, we were told that there was a computer error and the issue was later corrected. However, this was not just a computer glitch as a person had viewed our contract and still indicated that we owed a pre-payment penalty. 
While I have successfully resolved this issue with the help of the broker, I am very concerned that others are being taken advantage by this lender 's unscrupulous practices. I am requesting an audit be completed of similar transactions ( pre-payment of loans and mortgages ) at Bank of Ozark. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 few accounts thats showing in my soft credit report when it was pulled and it is showing that it is open. But wen I called all 3 credit bureau they said its showing on there end as closed and or charged off in full. Im requesting to get my report cleared and off my credit report so I can get ahead in life and make a future. I contacted the company but no responses. Im requesting to clear all open accounts thats suppose to be closed cleared and off my credit report. I will attach attach credit report.

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