BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerihome Mortage became my mortgage holder after I purchased my home last year. I pay them monthly with escrow including property taxes and insurance. On XX/XX/XXXX, A letter from them confirmed they would be paying supplemental tax for it from my escrow account since I had sufficient funds, on XX/XX/XXXX, Another letter from them said they had paid the supplemental tax.. 

When I saw the tax was still unpaid on XX/XX/XXXX, I called in and asked why. I was told it was all their payments are bundled and it would show after all is cleared. I called in again, still was told not to worry. Then later, I got the county 's tax delinquency notice along with the penalty. I asked and was told it was paid, not to worry. Please see the attachment from secure message sent on XX/XX/XXXX saying everything was paid and confirmed. Then now, on after more than 2 months, on XX/XX/XXXX, I was told me that tax is homeowner 's responsibility. I have to pay for the late penalty instead! I would have paid myself on XX/XX/30 if they did not claim it was paid already again and again. I was totally deceived by various of their responses in letter, email and secured message, all in writing, along with phone customer servicer! I should not be responsible for their false claims that caused the penalty. Instead they need to compensate me for all of the lost time and energy and emotional distress!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Everything on my credit report has been not only sold to collections therefore I'm no longer responsible for it once they were sold, but it all excceeds the 7yr limit by law n should not be still showing on my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I called equifax to find out my score from them. They requested I send in documents to verify my identity. I did so and received a notice today that they have no records or any type of credit information from me when I have a large amount of credit usage. The other two companies have records for me. Every time I try and contact them to resolve the issue they will not talk to me until I verify my identity which I have already done, and in the beginning part of the verification process to even speak with an agent a strange cell phone number is listed that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX is a charged off account from 2014. The company continues to report a past due balance. XX/XX/XXXX and Equifax continue to post 90 day lates each month from the company. My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights. 


The date of last activity doesnt match. Theres no close date or high balance reported for XX/XX/XXXX or Equifax. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Its been well over 2 months since Ive been told that my account was being closed. I have tried numerous times to get a explanation as to when the money in said account would be returned to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX with Amex whom I currently have a card with. I applied for the XXXX gold card, to which they said my application is declined. I called in puzzled as to why for them to lie and tell me the reasons for declination is " I have a XXXX credit score, and a history of delinquencies. '' I know this was absolutely false, I'm on top of my credit and even subscribe to XXXX and my XXXX. My XXXX score is XXXX, my XXXX  score is XXXX, and my XXXX  is XXXX. I've never had a late payment or collections in my life. So I faxed over copies of said credit reports downloaded from XXXX and faxed it over same day of the application to prove they're lying. I called today on XX/XX/XXXX to confirm the status of the application since I didn't receive the follow up call I was promised to confirm if they received my fax or not to be told even though I submitted concrete proof from the credit bureaus that their information was completely false they were going with their false information and declining my application. The most hilarious part of all of this is even within their own application they offer a free credit report and score that reflects my credit bureau reports of a XXXX score with no delinquencies ever, nothing in collections nada. So where they're pulling this completely false information from is beyond me. They won't even look at the fax I sent over proving their information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
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: Was not notified of investigation status or results

Complaint:
I XXXX, XXXX the consumer would like for you Transunion under the FCRA 15 US CODE 1681a which states that you should be reporting with fairness and accuracy. Transunion has responded to my last two complaints saying they need future authorize to dispute this alleged debt on my consumer credit report. I've sent all the required documents in the attachment below. You are violating my consumer right by not accepting my disputes and not excluding any consumer credit transaction from my consumer report which is pursuant 15 US Code 1681a ( d ) ( 2 ) ( a ) ( i ), 15 US Code 1681a ( d ) ( 2 ) ( a ) ( ii ), 15 US Code 1681a ( d ) ( 2 ) ( a ) ( iii ). You dont have any permissible purpose to furnish my consumer report pursuant to 15 US Code 1681b.

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 2021-08-09
Company: AES/PHEAA
State: OH
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:
I am part of the public service loan forgiveness program since XXXX. My loans are through fedloan servicing. In XXXX my loans went into forbearance which I never requested. I immediately called fedloan serevicing and stated that I did not want my loans in forbearance since I need 120 qualifying payments to be eligible for forgiveness. They apologized for the error and my monthly withdraw went right back into effect. I thought everything was fine since I continued to make my payments. When I filed my yearly PSLF form as they suggest you do, it had zero elegible payments from XX/XX/XXXX - XX/XX/XXXX, almost an entire year of payments. I call inmmediately and ask why these aren't eligible. They state that it was because I was in forbearance during that time. I explained that I never requested the forbearance and I had them remove it and then continued making my payments. I did not miss a single payment due to this " forberance ''. They stated they would send this back for review. It has now been over 3 years and I am still fighting for these payments. I have emailed and called dozens of times at this point and I always get the same response - " we will look into it. '' This is putting me almost a year behind getting my loans forgiven. I am extremely frustrated and I am not sure what my options are. I feel like the PSLF program was designed to fail and I may never reach forgiveness even though I has always made my minumum payments and fill out my eligibility forms yearly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-15
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: Account information incorrect

Complaint:
This account was paid in full in XX/XX/2018 and the company keep reporting negative information and outstanding balance been 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 2021-04-28
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a collections notice from Linebarger Goggan Blair & Sampson, LLP in the mail on XX/XX/21 stating 3 unpaid parking citations. When I called on XX/XX/21, they informed me there was not just 3, but now 4 citations, even though the notice only included 3. The collections notice includes citations for a vehicle and license plate number I've never owned or had registered to me. I called to inform them they have incorrect data and was hung up on 3 times. On the 4th call, I finally wasn't hung up on and explained they're attempting to collect a debt which is not mine, which is a violation of the fair debt collections practices act as I've never had the car or license plate number for the cited vehicle. They informed me they were going to continue pursuit of collections anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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 paid off my account that was on the collection and I send them the letter that was paid off and they are not updating this information and are holding me to buy a house and get more credit cards.

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 2019-08-29
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( Toyota motor credit ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( XXXX ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

Lexus financial when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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:
4 independent complaints filed via this site. 

Vehicle lease from XXXX XXXX XXXX was reporters past due in error by XXXX for months in 2020. Long story short they were unable to find the source of the problem causing account to show past due. 

Months later XXXX offered to take back vehicle early and delete credit profile from record as a concession. This was accepted abs vehicle returnedXX/XX/XXXX XXXX  has failed to update and remove from record as promised. 

I have attempted 16 times to escalate this matter to XXXX XXXX XXXX at XXXX with no success. My calls, emails abs written communication is not responded to. This has been going on over a year with no resolution. 

Account should reflect closed and paid or be removed all together from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: AL
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 act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Kick off account # # # # XXXX XXXX XXXX account # # # XXXX XXXX XXXX  # # # XXXX XXXX XXXX  # # # XXXX XXXX XXXX # # XXXX XXXX XXXX  # # # XXXX XXXX XXXX  # # # # XXXX XXXX XXXX XXXX # # # # XXXX 15 U S C 1681 section 602 A I have the right to privacy 15 U S C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Payfare International Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I've been working for XXXX for a little while now, and recently signed up for and received a XXXX XXXX debit card through PayfareXXXX bank. During the time between signing up and having the card delivered, you are allowed to use a virtual card to make payments. I had used that virtual card information to make a transfer in XXXX before I had hands on the physical card. That information remained in XXXX, and I mistakenly used it to try to transfer money to a friend ( {$10.00} on XXXX ). XXXX did not give me any indication as to why the card was not working, but I received an e-mail from XXXX XXXX shortly thereafter explaining that my account had been suspended for XXXX hours. That e-mail came in at just about XXXX on the same day ( XXXX ). 

I did not use the card after that, and I was unable to update the information in XXXX because it was suspended. I initially reached out to XXXX XXXX support and was told that there was nothing I could do about it. They did not seem to understand my situation or know why my card was suspended until I told them my suspicions and they decided to " escalate '' my case. This apparently takes 1-2 business days because XXXX XXXX support ( a separate support team for the card specifically ) is rarely available. I know because I called them within the hours listed and was told they can't be bothered by the same, regular, XXXX XXXX support team. I also explored the numerous testimonials of other XXXX on the internet experiencing the same problem. It's not like the company can pretend they are unaware of this issue. 

My card was not reactivated after the 24 hours, and I had to wait until this morning to receive a call from XXXX XXXX  informing me that they had reactivated my card ( should have taken 2 seconds in the first place, and clearly did here ) .I became frustrated with the wanton lack of regard for the issues I was discussing, including the initial suspension, the lack of knowledge on my case, being shunted off multiple times to people who could not help, and finally being told that I should just be happy the card was reactivated now. This is my only source of income and I am sheltered-homeless right now. I don't have the luxury of waiting around for days to access the money that I EARNED since I use it daily for gas, food, and other expenses. I don't appreciate the fact that the representative for XXXX XXXX would not hear me out, would not answer my questions, would not let me speak to a supervisor ( because they " would say the same thing '' ), and then hung up on me intentionally. 

This has impacted me, and maybe not to an extreme, but it is not okay. I expect to hear back from someone who is competent and actually involved in the company they claim to work for. I am a damn good XXXX and I know I'm not the only one getting jerked around like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Resurgent Capital Services L.P.
State: FL
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 m a victim of identity theft and fraud, I tried for so many times to contact every companies and bureau of credit for report fraud and still those collections appear in my credit report. I do not know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: NC
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 just filed a complaint with the cfpb on XX/XX/2019 at XXXX and it did not process.

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I filed disputes with the credit bureaus. I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.

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 2019-06-06
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
hello, the following cc company ( NAVY FEDERAL CREDIT UNION ) are reporting the wrong information on my credit report. I have never been late or missed a payment, yet they have me showing 30 day late. the problem I have is that the last report date and active date and payments dates are all inaccurate. each of the 3 cb are showing something different. they only report what they are giving. so with that being said whos to say the information that im 30 days late isn't an error on the creditors end. I would like them to fully investigate the problem and make the correct changes to there error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation