BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: Experian Information Solutions 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:
THE ACCOUNTS BEING DISPUTED ARE ACCOUNTS THAT WERE NOT AUTHORIZED BY ME. PLEASE HAVE THOSE ACCOUNTS COMPLETELY REMOVED OFF MY CREDIT. THOSE ACCOUNTS HAVE CAUSED GREAT HARM AND I WOULD LIKE FOR THOSE TO BE PURGED INCLUDING THE INQUIRIES LISTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2019-04-27
Company: Experian Information Solutions Inc.
State: MA
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 applied for a XXXX account and XXXX reported on an account that I never had and reported me as owing XXXX result and reported this to Experian, XXXX I do not have any accounts with XXXX at this 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 non-monetary relief
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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  and Transunion are incorrectly reporting a collection/charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2023-08-02
Company: Resurgent Capital Services L.P.
State: IN
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:
Under Title 15 USC 6802- I am supposed to be given 3 Disclosure forms and consent to a company sharing my personal info via credit reporting agency. I do not have an account with this company, therefore they were not able to share said Disclosure forms with me deeming this reporting fraudulent. Here is the law : Title 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Resurgent Capital Services L.P.
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:
I Went to court on this collection account with Lvnv funding in XXXX in XXXX XXXX XXXX. The plaintiff did not show up so the judge dismissed it. I thought that they would update or remove the collection as per the judges statement but this never occurred. I did not receive anything from the court after the judgement, I am asking for both of the collection acts with LVNV to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was misled while enrolled at the University XXXX XXXX to think after obtaining a degree that they would help with job placement. I remember a guy named XXXX XXXX being my enrollment advisor, but work in my field never came. I've taken odd jobs to try and pay off the debt, but it never seems to go away. I've tried applying to jobs without listing XXXX   as a college I've attended and gotten interviews. I've been told my job recruiters that they don't see a degree from XXXX as being valid. I was told while enrolled my 4 year degree was going to cost about XXXX. I later on found out that after interest it's about XXXX owed. I was tricked into signing a promissory note with my advisors at the XXXX. I was told that financial aid was accepted and because I had credits from XXXX XXXX that they'd do the legwork for me in having those classes transferred over. It wasn't until later that I found out that was a lie and regardless if I quit or continued classes I'd still owe XXXX in full. Young and afraid with not much help from anyone to guide me I believed my advisor at XXXX. Not until recently I've researched the XXXX and read alot about other student 's dissatisfaction while enrolled and possible lawsuits. I'm just looking to have my loan discharged because they failed to land me a job after finishing my course and they failed to educate me at XXXX years of age on what a promissory note was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: College Lending Solutions of Salem
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Consumer needs loans approved me for XXXX $ then I was at XXXX tp go get my money from money gram then they told me to purchase a XXXX play card for XXXX $ and I did and sent them the information and now they said my loan was denied

Company response to consumer: Untimely response
Consumer complaint received 2017-11-27
Company: Rocket Mortgage, LLC
State: OH
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:
On XX/XX/XXXX I called quicken loans to ask questions about their home loan requirements and interest rates. When I called I had my credit report information already pulled from my credit karma account. I specifically told the man I spoke with that I already had my credit score and did not want a hard inquiry on my credit. I told him I just wanted to know what credit score you had to have for them to give a loan. He told me that he would have to pull my credit. I told him I knew my credit score and did not want him to put a hard inquiry on my credit report. Today, XX/XX/XXXX, I pulled my XXXX XXXX account up and seen that my credit score dropped almost 20 points. The reason was a hard inquiry from quicken loans. This is really going to XXXX me. My score was already low because I have n't had or used any credit in several years and the house I rent is being sold. I need to be able to find a home I can afford and get financed for in a very short period of time ( two months ) and this XXXX just made my credit too low to get financing. By the time this gets corrected, if it even does, It 's going to be too late. So now I 'll have to start looking for somewhere to rent, which is not fair. I only make {$20000.00} a year so it 's going to be hard enough to get a loan without other people making it harder. The phone # I called is ( XXXX ) XXXX, I got it off of their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Choice Recovery, 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: Personal information incorrect

Complaint:
I am filing this complaint in response to your letter or phone call dated CHOICE RECOVERY INC # XXXX. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.

You can not add interest or fees except those allowed by the original contract or state law.

Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.

Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did an investigation to my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$0.00}

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 non-monetary relief
Consumer complaint received 2020-06-06
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My complaint is with the company Amerisave Mortgage Corporation. We applied for home refinancing two months ago and was approved for 20 year conventional loan with the rate of 3.125 %. After we deposited the {$500.00} good faith deposit in order for them to proceed with the loan, things changed. First, the monthly mortgage payment changed without the loan officer informing us. Second, when we tried to contact the loan processor, he doesn't know what was going on and was mad when asked questions. Finally, after everything that we went through, we still decided to go refinance the house and Amerisave set up a date for us to close the loan which is XX/XX/2020. When closing day came, none showed up and nobody from Amerisve informed us that the closing has been cancelled. This is very unprofessional and unacceptable on the part of Amerisave. We are trying to contact them for 1 week now because we want our {$500.00} deposit to be refunded. As of now, none of them responded to our calls and e-mails. These are the people that processed our loans : XXXX XXXX Loan Officer Tel : XXXX XXXX XXXX Loan Processor Tel : XXXX XXXX XXXX Loan Officer Tel : XXXX XXXX XXXX Manager Tel : XXXX I hope others will not be a victim of this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced in XX/XX/2019. I sent a check on firstXX/XX/2019 to the new lender, XXXX XXXX   XXXX. A different lender called XXXX mortgage bought the loan, but the funds were not sent to them. Instead the check was endorsed and sent to a different servicer unknown to me called Nation Star. 

Nation Star cashed the check and has not sent the money to the current servicer. When I have called they state they have no record of my loan. 

XXXX XXXX  XXXX refuses to provide evidence as to why they sent the check to Nation Star. 

Both my current lender and XXXX XXXX  XXXX state that they were the only two lenders involved. I have submitted the check to all 3 lenders, it was endorsed from XXXX XXXX XXXX to Nation Star, I have provided a copy of the post date with reference number from my bank. 

Nation Star will not claim responsibility, Neither will XXXX XXXX  XXXX and my current lender XXXX mortgage is not adequately investigating. 

I have been dealing with this problem for 9 months and the money has still not been located.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, 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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Navient Solutions, LLC.
State: NY
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:
The student loan, which I am a cosigner, is managed by Navient. When ever my nephew gets 1 month behind, which he has never been later than this, Navient calls our home 5 to 7 times a day. These repetitive calls happens each and every day till the past due balance is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Continental Finance Company, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Creditor : Continental Fin Co Two Different Amounts {$230.00} - {$700.00} Amount Claiming Owned XX/XX/2019 Date Reporting On My Credit Profile **** Requesting **** VOD Validation Of Debt **** Account Status Reporting Negatively Hurting My Credit Profile

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Aqua Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Me and my husband filed for Chapter XXXX Bankruptcy in XXXX. It was discharged on XXXX XXXX, XXXX. The creditor Aqua Finance was included in the bankruptcy and was discharged with the other creditors. We sold our home and were closing on XXXX XXXX, XXXX. XXXX XXXX XXXX is handling our closing. On XXXX XXXX, XXXX, XXXX XXXX was provided a final XXXX settlement statement from XXXX XXXX XXXX XXXX that was given to us. To our disbelief this statement has a second mortgage listed for {$6000.00} from XXXX XXXX XXXX, XXXX. We were confused. We don't have a second mortgage and since we have a VA guaranteed loan, we can not have a second mortgage on our property. I searched for XXXX XXXX XXXX, XXXX and contacted them about this fraudulent 2nd mortgage. I spoke with XXXX a customer service representative at XXXX. She informed me that they represented Aqua Finance. I told her the debt that we had with Aqua Finance was discharged in the Chapter XXXX. She stated that they had no record of this. She provided me with a claims email address and I emailed a copy of the listed creditors in the bankruptcy and the discharge order from the court, to show that Aqua finance was listed. I called back to make sure they received the email and spoke with XXXX another representative. She stated that Aqua Finance had a judgement of exemption from the bankruptcy discharge and this was a valid way for them to collect the debt. I asked her to provide me with a copy of this since I have a copy of the bankruptcy closure of estate order. It shows that no creditor was given an exemption to the bankruptcy discharge to collect on an exempt debt. I asked if she would provide me with a copy of this exemption order they had for XXXX XXXX XXXX, XXXX to collect this debt. She stated they didn't have to provide me a copy of this ordre. I informed her that I would file a complaint with the CFPB. She told me to go ahead, that was fine. The actions of XXXX XXXX XXXX, XXXX on behave of Aqua Finance, is a clear abuse and infringement of my consumer rights and protections provided to me and my husband under the US Bankruptcy code. It is also holding up the sell of our home. This is a blatant strong arm tactic by big corporations to collect a debt and they are breaking the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2019 I contacted the following credit bureaus : XXXX, Experian and XXXX. Each bureau was notified that the following accounts being reported to my credit file doesn't belong to me and is false information being reported and should be removed immediately from my credit report. I've filed identity theft with local and federal law enforcement agencies as well in regards to this matter. The following accounts are being reported to my credit report and are false : Student loans {$96000.00} Auto loan {$15000.00} Collections {$880.00}

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 2021-11-05
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 already filed a complaint on TransUnion and they say they going to do a " 30 day investigation '' on my first complaint which I have been hearing this so many months. Today they wa n't me to get contact the creditors that got in contact with them and can be anybody but they don't care. Why because XXXX XXXX XXXX wrote them on XX/XX/2021 saying to them to delete 2 accounts and I have written TransUnion with proof and you think they actually deleted it, nope its has been 6 months and they're still on my credit report just like others are. I had to go filed a complaint against XXXX XXXX XXXX which they really didn't do nothing because when I wrote them back in XXXX they couldn't provide me with anything. So I filed a complaint today because TransUnion and XXXX still reporting something that couldn't validate in their office. XXXX compliant number is XXXX. I mean TransUnion really was doing right about consumer than the consumer doesn't have to work so hard to get this off their credit because my attorney told me about this site which it will have paper trail. How many 30 days I have given you all to do right. Than XXXX and XXXX XXXX  are the same you can't do Double Jeopardy so I would like both to be deleted as well. Duplicating account information like this may be a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. XXXX is collecting on XXXX XXXX whomever that is and XXXX XXXX also collecting on 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