BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
Company: OneMain Finance Corporation
State: PA
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:
I contacted One Main Financial 's XXXX XXXX PA office via phone in mid XXXX, 2021. 

During an extensive discussion about my financial needs, situation, and assets, I DID provide my SS #. 

On this initial phone call, well before anything was agreed to, upon learning that the interest rate would be in the range of 22 % plus, I made it very very clear that there would be no further interest by me in their services and " thanks anyway '' The following day, an agent called again to attempt to get my business, I made it clear again it would not happen, stating " thanks anyway '' Still, after this, One Main Financial pulled my credit report for loan qualification assessment with NO PERMISSION FROM ME to do so, and in fact, with my expressly stated position that we would not do business. 

This is clearly a violation of protocol since credit inquiries such as this damage my credit score, and it is completely up to me to expressly allow or deny such inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: KY
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 was approved for covid hardship assistance for my mortgage payments by Kentucky XXXX. Kentucky XXXX has paid my mortgage payments every month from XXXX of XXXX. My mortgage company has NOT be accurately reporting my payments from Kentucky XXXX  on time and has reported numerous late payments to my credit report which is 100 % inaccurate. Due to these mistakes my credit score has dropped significantly and I have multiple late payments on my credit report that need to be fixed and removed.

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 2019-01-26
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 CAN NOT believe that TransUnion is STILL reporting the account XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can TransUnion verify inaccurate information as accurate? By law it is TransUnions job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XXXX and XXXX. I am challenging this account for the third time. 

I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Transunion lists a past due amount of {$530.00}. How is this accurate? 

Each bureau lists a different open date. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX/TransUnion XX/XX/XXXX. How is this accurate? 

TransUnion lists that the last payment was made on XX/XX/XXXX yet the payment history shows that the account was paid satisfactory from XX/XX/XXXX-XX/XX/XXXX. How is that possible if the account was charged off? How is this accurate information?

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 2019-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my 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
Consumer complaint received 2021-10-05
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On approximately XX/XX/XXXX, I refinanced my student loans. My loans were previously serviced by UAS ( https : //www.uasconnect.com/ ). 

The new lender made a larger payment than the balance on my loans to UAS. Therefore, UAS is supposed to refund the overpayment back to the new lender. 

However, they did not make any such payment and quietly updated the balance on my account from a negative number ( reflecting the overpayment ) to zero ( suggesting that they did not owe me/ the new lender anything ). 

I called UAS and they claim to have sent out the funds. I called the new lender and they said that they have not received anything. I called back UAS and they said that they have to do " research '' for an extended period of time. 

After that extended period of time ( 15 days to 1 month, can't remember exactly as I had marked it on my calendar ), I called up UAS. UAS claims once again that they sent the check ( again ) on XX/XX/XXXX. 

I spoke with the new lender again. Once again, the new lender has not received the check. 

The new lender is being very cooperative and transparent but UAS is not providing any information. UAS is unable to provide any proof of sending the check. They are not able to provide the mailing address to which they sent the check. They are not able to provide the check number. They do not have any tracking number either. They keep changing the information when called. They now claim that it takes 30 days for the check to go via USPS. I've never heard of anything taking 30 days via USPS and I am increasingly suspicious that they haven't actually sent the check and are simply trying to pocket the money and hoping that I will forget. 

In summary, I am losing money over UAS failing to send the refund check. It has been more than 6 months since I have refinanced my loans. I am not sure what the next best steps are. If this path ( a complaint to CFPB ) is unable to result in a successful resolution, then I'm thinking I file a claim in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I mailed a letter, through USPS Certified Mail, to Portfolio Recovery Associates, LLC, which they received XX/XX/2019, and explained that the account they are reporting is due to Identity Theft. Ive also included FCRAs Notice to Furnishers of Information and they still ignored it and from my understanding the are breaking the law  by continuing reporting this fraudulent account to credit bureaus. They updated my credit report with the following remark ; Dispute Resolved : Customer Disagrees on XX/XX/2019. This is a fraudulent account and Portfolio Recovery ignored my Identity Theft letter and are currently still reporting on my crdit report for {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Russell Collection Agency, Inc
State: MI
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:
Russell Collection Agency stated that they had updated my credit bureau with the removal of two collection items from XXXX XXXX  for XXXX and XXXX. They stated that I needed to contact XXXX XXXX  because their information was inaccurate. I reached out directly to the credit bureaus and the accounts are still showing open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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 have reported to Transunion on more than one occasion that they are reporting a collection account that does not belong to me, and yet they still continue to report it even though I sent them copies of the letters and certified receipt that I sent to XXXX XXXX XXXX asking them to provide proof which they have not, Transunion has not investigated nor sent me any proof that they have attempted to get and proof from the collection agency that this debt is mine, I have not received a letter from Transunion about this matter up to this day. I have uploaded the letter and Certified mail receipt show Transunion received my letter on XX/XX/2021 which is more than the 60 days they require to do an investigation, this derogatory remark on my credit report continues to affect me negatively and I want it removed 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 2019-01-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Amsher Collection agency is attempting to collect on an account that I have no knowledge of. Pursuant to the Fair Credit Reporting Act, Fair Credit Billing Act and the Fair Debt Collections Practices Act my rights were violated because I never received any written notification regarding this account or there collection efforts. I was never given the opportunity to dispute or request validation of this invalidated information which is a violation of my rights as a consumer. The account name and amount is : XXXX XXXX XXXX {$140.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Their investigation did not fix an error on your report

Complaint:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX ACCT # XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in 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 2019-01-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section XXXX, subsection ( XXXX ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) ARS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX # XXXX is in compliance with OHIO LAW. I  also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit reports are reflecting an inaccurate bankruptcy and that it will be reflecting on my report until XX/XX/XXXX. Beginning in XXXX of XXXX I began to contact XXXX, Equifax and XXXX via certified mail disputing this information. I was informed by all XXXX companies in writing that this information was furnished to them by XXXX. I have even contacted each company by phone and told this information by representatives. When I contacted XXXX regarding this inaccurate information, they removed it from their database as it was found to not be correct and negatively impacting me. I have disputed this information on XXXX separate occasions with all XXXX bureaus through certified mail and on their websites only to be informed in writing that the bankruptcy is verified through XXXX and not being removed. I have even asked for them to take the time to contact XXXX on their own so that they can be advised that no bankruptcy is reflecting on my consumer file. I also took the liberty to contact XXXX again today on XX/XX/XXXX just to confirm yet again that they are not reporting a bankruptcy to these bureaus and was advised by XXXX ID # XXXX that again there is no bankruptcy on my consumer report and that they have not been contacted by either bureau to validate the information. This false reporting is damaging to my character and causing me to pay more in interest for accounts that I actually have. Also is preventing me from purchasing a home for myself and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Have accounts showing on credit file that I have disputed and disputed and refusal to remove These accounts are not mine I have provided the accounts from current online 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2021-08-20
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank Home Mortgage falsely claimed the payment on 2018 property taxes and increased my monthly mortgage payment from {$1300.00} to {$4300.00}. 
The research form by XXXX County Tax office shows that US Bank Home Mortgage did not pay for the above property taxes. 
This error needs to be corrected and my monthly mortgage payment must be recalculated accordingly.

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 2021-11-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage got behind XX/XX/XXXX because of my mother XXXX XXXX. 
I applied for a mortgage modification with our mortgage company Select Port Folio. They processed my request and on XX/XX/XXXX I received Trial Modification Retraction from Select Port Folio after I had made 2 Trial payments of the 3 payments that is required per the Trial modification I received.

I have recently resent request for mortgage modification with financials to them again.

I do want to keep my home. Please help me with this modification request.

Company response to consumer: Closed with explanation