BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX has been paid in full going on two years now. It shows collections on my credit report. I have contacted the lawyer for XXXX and all credit report agencies and they are not showing it as paid in full. 

XXXX I am making payments of {$50.00} a month and have for quite some time now. The lawyer nor all credit reporting companies are updating this on my report that payments are being made on a monthly basis. 

XXXX XXXX XXXX : I do not recognize this company. I reached out to them about two years ago and they said this was not mine. No credit reporting agency will delete it. They said their investigation shows its mine. No proof has been forthcoming and I do not recognize this company.

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 2018-06-01
Company: EQUIFAX, INC.
State: AZ
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:
A medical collections company reported a debt incurred by my ex-wife for medical care. I am not liable for the debt, but because my ex-wife supplied the collections company with my prior address and SSN, they reported me to the credit reporting agencies. I was never notified of the underlying collection efforts because the collections company never called me and only used a very old address to attempt to communicate with me by mail. Therefore, only when I saw the {$110.00} attempted collection amount on my credit report in XX/XX/XXXX was I alerted to their collection attempts. I never had the opportunity to dispute the debt before they reported it to collection agencies. 

I disputed the incident with XXXX, XXXX, and Equifax in XX/XX/XXXX. XXXX and Equifax quickly resolved the dispute in my favor and removed the entry from my credit report. Equifax took much longer to conduct an investigation and then its website repeatedly failed over many different days, preventing me from seeing my results. Finally, I called Equifax and received the results of their investigation over the phone. They indicated that because the collection company was able to validate my SSN and address, that Equifax deemed the debt valid. Equifax did not give me the opportunity to explain why the debt was not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2017 It showed up on my XXXX XXXX XXXX/XXXX XXXX Never heard of them

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 2017-11-29
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Ive tried calling the company to find out why my balances have changed and Ive sending in my payments and they have been very rude and unprofessional with releasing info to me and they been doing thing to mess with my credit score

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 2020-05-05
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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not good.I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my 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 2018-03-16
Company: COAST PROFESSIONAL INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
We have tried to work with Coast Professional , Inc. since we received the first notification from them on XX/XX/XXXX. I contacted Coast Professional , Inc. because I had divorced and moved frequently and was trying to locate the information to repay this student loan. Because the amount they wanted me to pay monthly was unrealistic I submitted the Financial Disclosure For Reasonable and Affordable Rehabilitation Payments. Since that time I have spoken to several employees who tell me if I will send this information my payment will be $ XXXXmonth to if I send this information my payment will be XXXX XXXX/month. In XXXX I had XXXX tell me to file paperwork with the US Department of Education and wait to see that they would decide which I did XX/XX/XXXX. I received a letter from the Department of Education giving me a reasonable payment of {$190.00} with garnishment which I would prefer to pay this debt directly, but I can not get Coast Professional , Inc. to agree with this letter even after I resent them the letter and information again. I spoke to XXXX who ask for even more information and then XXXX on XX/XX/XXXX at which time he said the payment would be XXXX XXXX/month which I could afford, but then I received a letter from Coast Professional , Inc. stating I would need to pay {$290.00} for notify them of my objection which I have done. I need for someone to review my account and assist me in coming up with a payment of which I can pay. I am asking for you to investigate Coast Professional , Inc. and how they mishandle their customers and do not try to assist them. They give out fraudulent information even after you comply with everything asked of you. 
We have all of the documents to support this complaint, but they have confidential information on them. We can provide if requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
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 was reviewing a copy of my credit report after the XXXX breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.

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 2020-12-18
Company: MLD MORTGAGE INC
State: NJ
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:
So after my initial attempt to communicate the issue on MLD Mortgage 's unauthorized inquiry on my credit report, they not only never show any regret or apology for this misconduct but keeps lying about what really happened. Again, I never agreed by any means over the phone for them to pull my credit report. If they have any evidence like conversation recording, I agree here in public that they can use it as evidence in court against me. The reality is, I only asked for a quote over email from the person who called me from their company but she apparently thought abusing the existing client 's private information in their database is something that doesn't really matter. Lucky for me, I am a person who actively monitoring my credit report and have different alerts on all the time. That is the reason I was able to find out their ugly behavior so quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Paramount Recovery Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Paramt Rec I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of Transunion 's Inquiry Issue. The customer service representative that answered my call would not remove the inquiries in question. The following are the inquiries that need to be removed from my credit report : XXXX XXXX XXXX via XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number not available Requested On : XX/XX/XXXX XXXXL XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number not available Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/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 2019-05-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello and thank you for offering this service, it is nice to know that there is a government entity that provides a place to be heard and hopefully justice kept inline because of it. 

What happened ; In XXXX XXXX XXXX approved me for a 30 year mortgage. I am in excellent standing with XXXX XXXX. 

XX/XX/XXXX I received a notification of assignment, sale or transfer of my mortgage loan to XXXX XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. 
I don't know what to do with this information. 

- XX/XX/XXXX XXXX XXXX sends me my monthly bill and statement, which I pay. 

- XX/XX/XXXX XXXX XXXX sends me my monthly bill and statement, which I pay. 

- XX/XX/XXXX I received a letter from Select Portfolio, stating that my loan will now be paid to SPS. Confused by this letter and no warning from XXXX XXXX I speak in person with two XXXX XXXX Mortgage agents, they too are confused and after many phone calls determine that I am to send my mortgage payments to SPS. 
I am upset that XXXX XXXX did not inform me. 

XX/XX/XXXX XXXX XXXX sends me my monthly bill and statement. Confused, I pay. 

XX/XX/XXXX I finally receive a transfer of servicing mortgage loan from XXXX XXXX to Select Portfolio Servicing. 

XX/XX/XXXX Select Portfolio servicing sends me a letter of their payment address. 

XX/XX/XXXX Select Portfolio servicing sends me my mortgage bill and statement. Which I pay. 

XX/XX/XXXX I received from XXXX XXXX Mortgage Company, a notice of assignment, sale or transfer of ownership of mortgage loan ; Select Portfolio Servicing. 
I am confused by this letter of yet another possible sale!? 

XX/XX/XXXX Select Portfolio servicing sends me my mortgage statement and bill, which I pay. 

XX/XX/XXXX Select Portfolio servicing sends me my annual escrow account disclosure statement and my new escrow payment amount. 

XX/XX/XXXX Select Portfolio servicing sends me my mortgage statement and bill, which I pay. 

XX/XX/XXXX Select Portfolio servicing sends me a notice of servicing transfer. 
Loan now transferred to XXXX XXXX XXXX XXXX. 

Complaint ; My loan was transferred twice almost three times in less than five months! 
Each time requires time and effort in setting up new company to pay. 
Is this legal, of so why? 
How many people are currently experiencing this and what is the intention behind the buying and selling of home loans? 

Thank you for your time and effort. 

- XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: SUNTRUST BANKS, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
Suntrust bank charged me XXXX $ to cash a check that one of my customers had written to me. 
It was drawn on Suntrust Bank, so I walked in to the bank and was told that they would take XXXX of my dollars to cash the check. 

This is dishonest, they should not be allowed to take my XXXX $ to cash there check, it is thievery out and out.

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 2019-05-27
Company: Experian Information Solutions 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 had numerous accounts still reporting inaccurate and unverified accounts on my credit report. XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, and Experian is reporting a account from XXXX collection agency XXXX, they keep reaging it and I never had that account opened with XXXX and I am confused on why I am being held responsible for the account. If all of the creditor 's are reporting to the same bureaus, why is the information inaccurate and their reporting different information and it is affecting my credit file and score and I am being held accountable for fraud committed against me. I want proof and I want these negative and inaccurate accounts to be removed because I haven't seen proof of me opening them and they are negatively affecting me and that is against the law. I filed a police 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 non-monetary relief
Consumer complaint received 2018-02-23
Company: Global Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My family members and myself received threatening calls and voicemails saying they were taking me to court in XXXX XXXX ( which is in Arizona and they called from an Ohio number ) and filed an order for location. They gave me a fake case number which didnt pull up anything with the county public records. I called the number they left and they didnt offer any disclaimer or gave me my rights. They just said legal when they answered the phone. I asked if this was a debt collection agency and they said no so then I asked the attorney they work for and the lady started to talk about personal information without verifying who I was. They werent telling me who they were. I told her I wasnt going to discuss personal information nor would I verify my personal information if I didnt have all the company information because i felt like this was a scam. I asked her to not contact me or my family members again and she said see you in court, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-03
Company: EQUIFAX, INC.
State: NH
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:
These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-18
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX.I reached out to XXXX about a collection that is a joined account that my husband and I owe money on and have been paying monthly since XXXX for breaking a lease in XXXX. I called the office, which seem like only one person work 's their XXXX XXXX .I asked for records of our monthly payments, or a letter with a letter head with any information about our bill/ collection. I was told that, she doesn't have to give me any thing pertain our account with this company. I asked to speak with a supervisor, she then in returned told me NO! I don't understand that if this is a debt collection company, why don't we have or cant have any thing in writing! I found this very odd and never heard of. I am starting to believe that we don't owe as much is being told to me over the phone, which she would only do, but we have been paying this company for over a year now. Every time I call she is the only person who pick up. I cant talk to no one over her head or get a hold of any one else who seem to help. This person or company or I just don't know anymore want give us any information about out debt or our payment history or any thing form this company at all. She is very nasty and wont let you get a word in. If we owe this much fine show us something .she wont send us anything at all, no email or letters .We are starting to believe that the original company sold our account, and this company wants more money the own and wont show us anything in writing because they are scamming us out of more money. We never thought anything about it until I called and asked for something in writing and then she told us all of this unbelievable stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Commonwealth Financial Systems added several account to my credit report. I requested a letter of validation in XXXX and they have fail to send me any documentation proving that the debt is mine. Ive also ask them to remove it from my credit and they still havent.

Company response to consumer: Closed with explanation