BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
All three credit bureaus are stating that my XXXX XXXX XXXX XXXX  account is showing a status of " consumer disputes, consumer disagrees. '' I am not disputing or disagreeing with this finding.

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 2018-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was recently denied a mortgage, unable to secure a HELOC for home improvement and other necessities. Upon pulling my report, I discovered that my score has dropped drastically due to five months of this account reporting as 30 days late, although I have never once been 30 days late. This has been extremely distressing for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, 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:
I did not consent to authorize nor benefit from these accounts, along with XXXX has violated my federally protected consumer rights under the FCRA and also under Truth in Lending Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We were offered a Deed in Lieu of Foreclosure in XXXX of 2016 by NationStar Mortgage.. We vacated the property and were assured the account was closed in XX/XX/2016. The Company is reporting that is was not closed until XXXX of 2016 and on some reports XXXX of 2016. This needs to be corrected. We have disputed this through the credit bureaus as well as tried to make headway with NationStar to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few weeks ago I got a call from the XXXX XXXX XXXX XXXX collections. I have no medical debt that I know of. Although my name matches their records, they confirmed that my birthdate did not match their records. We also established that I did not live at a XXXX XXXX, CA address. I was told that the information discussed would be noted, and I expected that I would not be getting more calls. 

This evening I got another call from the same company. I let them know that I thought that I would be removed from their call list since I am not person they are looking for. I gave them my birthdate again and XXXX confirmed that my birthdate did not match their records. But, instead of telling me that this issue was resolved she told me that my phone number was the one that was given, that they do not remove numbers from the call list, and good luck. 

Since this is not my debt, I did not ask for the date or about the amount owed.

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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Consumer sent a notice and demand to validate debt claim/ cease and desist on XX/XX/XXXX, XXXX, the consumer recieved no response from DEPARTMENT OF EDUCATION regarding the disputed facts. pursuent to 15 U.S. Code 1692g - Validation of debts ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( MEANING : THEY MUST VERIFY THE ORIGINAL CREDITOR WHICH IS THE CONSUMER! ) ( b ) Disputed 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 a 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. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( MEANING : If they cant verify the original creditor within 30 days given the consumer has won ) THE DEPARTMENT OF EDUCTAION are also in violation of 15 U.S. Code 1692b - Acquisition of location information ( 5 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) ( c ), 15 U.S. Code 1692e.False or misleading representations ( 2 ) ( a ) ( 10 ) ( 12 ) ( 16 ), 15 U.S. Code 1692f.Unfair practices ( 1 ), 15 U.S. Code 1692g - Validation of debts ( a ) ( 5 ) ( b ), 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692k - Civil liability ( a ) ( A ), 15 U.S. Code 1611 - Criminal liability for willful and knowing violation, 15 U.S. Code 1640 - Civil liability

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 2019-02-07
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: Account status incorrect

Complaint:
My credit card company ( XXXX XXXX XXXX XXXX ) says the account has been closed since XX/XX/2016. Equifax reports the account as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Banco Popular, XXXX XXXX Puerto Rico, mortgage acct # XXXX, provided an incorrect " annual escrow account disclosure. '' Illegally added and made payments for excess insurance, when proof was provided that personal insurance was previously made and We never requested that insurance be escrow. This error was brought to the attention of Mortgage servicing and they have yet to refund erroneous payments or provide a corrected " Annual Escrow Account Disclosure. '' The answer provided by XXXX XXXX was that I had to wait until XX/XX/22 for an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I RETURNED THE LEASE BACK TO XXXX AND THEY KEPT IT THEY SOLD IT AND SOLD THE LOAN TO A COLLECTION COMPANY AND ITS STILL REPORTING TO MY REPORT AND ITS AFFECTING MY REPORT NEGATIVELY - PLEASE HELP! 
XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose XXXX XXXX XXXX Account Name XXXX Account Number Auto Lease Account Type Individual Responsibility XX/XX/XXXX Date Opened Account charged off. {$7400.00} written off. {$7400.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$15000.00} Original Balance {$0.00} Highest Balance 36 Months Terms XX/XX/XXXX On Record Until {$7400.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY

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 2019-02-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I began school I received a student loan from Sallie Mae which is now Navient. 
I was told that my loan could be consolidated and I would not have to pay until I completed school. My loan was consolidated to a lower rate through then Sallie Mae. I was told that if I paid the loan amounts and was not late with any payments and remained in public service for 10 years and was never late my loan would be forgiven. I did this, I was never late and I worked and stayed in XXXX  work for over 10 years and am still working in XXXX work. I delayed retirement so that I could receive forgiveness and my balance would be forgiven, like teachers and other government workers as stated in the paperwork I received. I applied for forgiveness and was told my loan didn't qualify because it was the wrong type of loan, 15 years later. This is not right I was never told that certain types of loans and lenders would disqualify me for forgiveness. I had no knowledge in this. I understand that I am not the only one and that lawsuits have been filed regarding this fraud. I have contacted everyone I know to contact to have this issue corrected. Effective this month ( XX/XX/XXXX ) my monthly payments have tripled. I will not be able to pay this loan off and delayed retirement. The interest accumulated and now I owe 3 times as much as the original loan. There should always be a program or forgiveness when someone risks their life for the community. I am a spouse of a veteran of the XXXX and XXXX XXXX wars and have always done the right thing. Now you need to do the right thing. Retiring should always be given a reduced amount to pay. or forgiveness. I earned my education and used it for the good of the country. Stop this craziness I paid for most of my education but some of it I could not. I don't want to be punished.I don't want to be a used or ignored. I just want what is due because I followed the rules. Now you need to follow the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer was inept & consequently did not use my escrow account to purchase home insurance from XXXX XXXX. 
The m0rtgage company told me that I needed insurance, or my insurance would be " force placed '' Consequently to be safe, I paid XXXX XXXX directly with my credit card. 
I have sent proof of insurance twice to XXXX, and they still state that I have no insurance, and so my insurance must be " force placed '' This is not the first or even the second problem I've had with XXXX, but it is the most recent. 



To be safe, I purchasedMy mortgage servicer said to confirm my home address ith my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 feel taken advantage of since my disputes are being ignored! I have previously contested this account, as I can tell you are reporting false facts. The date opened, date of last report, and date of last activity are incorrect!!! You fail to verify this account even further!!

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 2021-02-13
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:
I did not consent to authorize nor benefit from these accounts, along with XXXX has violated my federally protected consumer rights under the FCRA and also under Truth in Lending Act

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 2018-02-09
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent XXXX disputes to Equifax in the past XXXX days, and they keep sending me stall letters. They have yet to provide me with results, but they do stall and keep asking me for information I have clearly submitted to them several times, and still won't provide results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello. XX/XX/2018 my friend and I went to a bar/club in XXXX XXXX. My bill was around XXXX euro and with the tip the total that I signed for it was XXXX euro. The next morning I saw the charge. It was XXXX euro extra ... I called my bank Chase and the merchant. Chase credit my account the XXXX euro and a couple months later they charged my account the XXXX XXXX euro ... No one contact me to tell me that. I called Chase corporate and I talked to all the higher ups and I wasn't getting anywhere ... I went to my branch in XXXX XXXX XXXX XXXX and I requested to see the signature on the receipt. It's so clear that the signature that my bank has on record is different with the signature on a receipt they send ... from XXXX. The branch manager in XXXX XXXX in front of me told the manager at Chase claim department Corporate office that my signature wasn't on the receipt and that They should deposit the XXXX euro back to my account ... Chase told me to contact XXXX and XXXX was telling me that Chase bank is responsible for the fraud. My claim number at Chase is. XXXX. I have on my possession the signed receipt with the fraugally signature .... that Chase received from the merchant in XXXX ... My branchs phone number is XXXX. Thank you XXXX XXXX. My phone number is XXXX Please help me find justice and also protect other consumers from fraud especially when they travel. My email is ( best way to contact me ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
US Bank Bought Citizens Bank/XXXX XXXX, but XXXX XXXX owed me a XXXX promotion that still has not been paid. It was those bank at work program get direct deposit get XXXX I will send this to them again and see if they 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 2022-10-27
Company: Experian Information Solutions Inc.
State: FL
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:
See Attached : According to Truth and Lending 15usc1666b : A creditor may not treat a payment on a Credit card account under an open end consumer credit plan as a late for any purpose.

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 2021-09-08
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PHH Mortgage is impossible to communicate with. 
Recently they have realized how much money they could make processing the phone payments for which XXXX XXXX was charging a {$7.00} fee. 
What they did was turn a simple process into a complicated process which now takes ten minutes and eighteen separate phone prompt decisions just to make a basic mortgage payment.

Also the language is basically designed to confuse their mortgage holders in order to collect more money by creating approximately two dozen opportunities to make a mistake which is very confusing for their senior customers.

PHH is an evil empire and this issue needs to be addressed as soon as possible.

PHH also sends out fake letters claiming mortgage payments could be cheaper in order to receive those fees when actually any late payments in the past year makes it impossible for someone to qualify for these offers! 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIBANK, N.A.
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 this CitiCard Account has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on XXXX  and TransUnion and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently

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 2021-09-08
Company: EQUIFAX, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by company last year for collection on unpaid balance and informed them i never opened the account. I opened a XXXX XXXX credit card for the first time late last year. Never had a credit card before then.

Company response to consumer: Closed with explanation