BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
Company: Tuten Title and Escrow, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I found Tuten Title and Escrow to be unprofessional and disorganized in handling the close of sale of our house. These are a few of the issues : * did not return phone calls *delivered check to our door step, where it could have been easily stolen *check did not match closing documents *taxes not paid on time *tax forms never sent to us I made several phone calls in the days prior to the sale to find out how to close from out of town, and they were never returned. It was unclear on where to sign everything on the closing documents, and we had to make some hand written changes for witness signitures. On the day of the sale of the house, I called to get information on when we would receive the check, she said she would email or call me with that information ; she never did that. When it got to the end of the next day, with no response, I called again and left a message, again with no return call. 
After three days, I called and talked to someone other than my closing attorney and she gave me all the info on the phone. Unbelievably to say, it was delivered to my door earlier that day and sitting on my door step. A check for over {$90000.00} was sitting at my door. I was never told when or where it was going to delivered. I had to leave work and pick it up off my door step. 
Later when I opened it and was comparing the check to the documents she sent me, they didn't match. I called to find out what was going on and the attorney said " well, it matches the papers you signed ''. I told her I don't know what I signed because I had sent the closing documents to her, and what she sent me are legal documents and the check needs to match the those documents. She said there was a mistake, and I still do not understand her explanation. She stated she would send me the new documents by email. Then I asked her if she knew how the check was delivered, and she said I made arrangements on how it was delivered. I said no, I was never given that information, how am I supposed to arrange the delivery of documents your send me, and I do not know how to arrange the delivery of packages to my house. 
The property taxes were not paid on time, or even in a timely manner. So a house that was sold in XXXX, didn't get payed until way after the new year, they didn't clear until XXXX. 
They have still not sent the property tax forms for our taxes, form XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Best despite my best efforts in submitting a copy of the FTC complaint for ID theft having to do with multiple accounts I am on able to submit to the three credit reporting companies for some unexplained reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A charge is noted in my background check that did not happen to me. After reviewing the county court public records myself, I saw that another person with my same first and last name but differing middle name was charged with this crime. The case number and the date filed all matched the information in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
As of XX/XX/XXXX, XXXX XXXX has failed to remove two inquires from my Transunion Credit Report as advised on correspondence from them to date. 

I received a letter from XXXX XXXX which advised that they submitted requests to have the following inquiries removed : XXXX XXXX XX/XX/XXXX XXXX XXXX   Dual Card XX/XX/XXXX The letter stated it could take 60 days, however, the inquires have not been removed to date. 

The letter that I have attached that was provided by XXXX XXXX advising that they have requested removal was sent to Transunion by uploading to their website and they haven't removed to date.

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 2021-09-09
Company: National Credit Adjusters, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This is my second time reporting this company for the same thing illegally posting a debt on my credit report that didn't belong to me.and still reporting it after I stated it's not mine. I reached out to company and saying this is not my debt so stop reporting this to all three credit bureaus.So the company requested that I complete an identity theift report, I made one with the federal trade commission.and sent a copy of the report to National Credit Adjusters. but this company continues to report this account as mine, and has not removed the account yet. They just reported this account as mine again on XXXX. 
To all three credit bureaus again. And I'm a little fraustraded behind their actions as a business. I just want this company to remove their self from my personal data, and stay out of it, .you have the documents you requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Statebridge Company
State: NJ
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:
Dear Statebridge, Attached please find Response letter from XXXX XXXX XXXX XXXX , XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX 

We have been advised that Statebridge Company transferred servicing of account # XXXX to XXXX XXXX XXXX who sent the attached IRS Form 1099A. 

It appears that per the attached XXXX Loan  Schedule that there is no account # XXXX on the schedule for property : XXXX XXXX XXXX XXXX, FL XXXX We are requesting your assistance with obtaining a corrected IRS Form 1099 that would accurately reflect the account #, lender and amount. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXXXXXX 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 2017-12-06
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Equifax # XXXX is reporting need to be updated XXXX XXXX XXXX is still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: ENOVA INTERNATIONAL, INC.
State: VA
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:
I TRIED DISPUTING THIS ACCOUNT ON MY CREDIT REPORT FOR THE LAST 8 TO 9 MONTHS AND STILL NOTHING HAS BEEN DONE ABOUT THIS. XXXX HAS NOT DONE ANY KIND INVESTIGATION ON MY DISPUTE WHAT SO EVER AND THEY ARE ALLOWING XXXX XXXX TO DO WHAT THEY WANT. THIS ACCOUNT FROM XXXX XXXX   WHICH IS ON MY XXXX CREDIT REPORT SINCE XX/XX/XXXX IS ILLEGAL INTERNET PAYDAY LOAN AND I WILL SHOW DOCUMENTS TO SHOW ON MY BEHALF. UNDER THE FAIR CREDIT REPORTING ACT I THOUGHT THAT IF YOU DISPUTE SOMETHING ON YOUR CREDIT FILE I THOUGHT XXXX INVESTIGATE EVERY CLAIM THAT A CONSUMER MAKES BUT RECENTLY NOTHING HAS BEED DONE. I AM DISPUTING THE FOLLOWING INACCURATE INFORMATION YOU ARE REPORTING WITHIN MY CREDIT FILE PURSUANT TO THE FAIR CREDIT REPORTING ACT. I GOT A LOAN FROM XXXX XXXX OVER THE INTERNET IN XX/XX/XXXX. THE INTEREST RATE CHARGED ON THE LOAN IS MORE THAN 12 % APR. AFTER GETTING THE LOAN I LEARNED THAT VIRGINIA LAW PROHIBITS ANY COMPANY FROM MAKING SUCH LOAN TO VIRGINIA IN EXCESS OF 12 % APR UNLESS THAT COMPANY HAS OBTAINED A CONSUMER FINANCE LICENSE FROM THE VIRGINIA STATE CORPORATION COMMISSION. SEE VA CODE SECTION 6.2-1501. XXXX XXXX DID NOT HAVE A CONSUMER FINANCE LICENSE WHEN THEY MADE THIS LOAN AND THEY NEVER HAVE HAD SUCH A LICENSE. THE VIRGINIA ATTORNEY GENERAL SUED XXXX XXXX FOR MAKING UNLAWFUL LOANS IN VIRGINIA I HAVE COPY OF THE LAWSUIT ATTACKED.. UNDER VA CODE SECTION 6.2-1541 IF A LENDER WAS NOT EXEMPT FROM THE PROVISIONS OF THOSE STATES AND WHO HAD NOT OBTAINED A CONSUMER FINANCE LICENSE, CONTRACTED TO MAKE A CONSUMER LOAN AND CHARGED CONTRACTED FOR OR RECEIVE INTEREST OR OTHER COMPENSATION IN EXCESS OF 12 % PER YEAR THE LOAN WAS AND IS NULL AND VOID AND THE LENDER IS NOT ABLE TO COLLECT, OBTAIN OR RECEIVE ANY PRINCIPAL INTEREST OR CHARGES WHATSOEVER ON SAID LOAN. I WANT THIS TRADE LINE REMOVED FROM MY ACCOUNT IMMEDIATELY. PLEASE IMMEDIATELY REMOVED THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. PLEASE FORWARD THIS LETTER AND ANY ATTACHMENTS TO THE CREDITOR LISTED ABOVE AND ASK THIS TIME TO VERIFY THAT WHAT I SAID IS ACCURATE. IN ADDITION PLEASE REQUEST THAT THE CREDITOR ABOVE SEND YOU A COPY OF ANY OTHER SUPPORTING DOCUMENTS TO PROVE THAT WHAT I AM SAYING IS ACCURATE. I DEMAND THAT YOU INVESTIGATE MY CREDIT FILE AND DELETE THE INFORMATION THAT I HAVE NOTED ABOVE. WHEN YOU HAVE COMPLETE YOUR INVESTIGATION PLEASE SEND ME A COPY OF MY CREDIT REPORT AFTER MY DISPUTED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called XXXX XXXX  on multiple occasions and they are always telling me that they cant pull up any information about a account for me..This account was fully settled but reports getting screwed around by everyone who was involved with this account.It seems that none of the credit bureaus are doing a proper investigation on this account because every time I call XXXX XXXX  they cant even pull up an account for me.My disputes are always coming back as VERIFIED but by whom because all I get from XXXX XXXX  is I cant pull up the account. Somebody somewhere is not doing their JOB correctly and I have had enough of the XXXX.. THIS IS AN ACCOUNT THAT I PUT UP MY OWN MONEY TO OPEN AND MY CREDIT REPORT IS BEING RUINED BECAUSE EVERYONE INVOLVED SEEMS TO JUST DONT CARE..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
What Compliant? 
Lexis Nexis HealthCare Records What type of Problem? 
Negligent Phone Responses in gathering Data Records in a Dispute or Correct in Collecting and Selling Personal Information for the use on Credit Determination. 

What Happened? 
In XX/XX/1998, HR Managers at my Employment, ( XXXX XXXX ) Violated the Court Rules in Hiring Employees that ' are not. Entitled for Recruitment/Hire at my Place of Employment. Upon, my Forced Layoff and Number of Numerous attempts in Accidents, I was Forced to Relocate to XXXX XXXX, And then XXXX, Where ' Conditioning of Domestic XXXX and Domestic Finance made cause ' for the Continuing Conditions of aWrongful Death recognized ' by, Law Enforcement, Government Agencies, the Courts and Judges. 

What Company? 
Lexis Nexis Who is Involved? 
XXXX XXXX Lexis Nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: BSI Financial Holdings, Inc.
State: NJ
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:
Dear XXXX, Attached please find Response letter from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX 

We have been advised that XXXX XXXX transferred servicing of account # XXXX to BSI Financial Services who sent the attached IRS Form 1099A. 

It appears that per the attached XXXX Loan Schedule that there is no account # XXXX on the schedule for property : XXXX XXXX XXXX XXXX, FL XXXX We are requesting your assistance with obtaining a corrected IRS Form 1099 that would accurately reflect the account #, lender and amount. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: NY
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:
Experian did not fix the inquiry errors on my credit report, instead they accused me of being a credit 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 non-monetary relief
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 had XXXX in charges occur on this shell.XXXX in or around XXXX XXXX XXXX it is not mine and theft is best i can guess but i did not charge them Fraud was called in XX/XX/XXXX and i call to follow up XX/XX/XXXX Asked to put claim XXXX and take my card from credit agency as adverse accounts This as best to my knowledge the truth as well i'm in a protected class SSA XX/XX/XXXX back dated # 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
Consumer complaint received 2018-03-25
Company: SYNCHRONY FINANCIAL
State: TX
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:
XXXX XXXX issue me a {$1200.00} Walmart credit card. Within 45 days they lowered my credit to {$800.00} affecting my credit report and lowering it by 5 points. 

They claim is was because of increase use of my credit but I am also making 40 % more money. They did a poor job and most important it affected my credit rating protected under the FCRA. 

They had already ran a credit report 30 days earlier.

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 2018-03-25
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This student loan was obtained in XX/XX/XXXX. Since then t it has been in & out of forbearance for many reason, but mainly because I was a single mother. In XX/XX/XXXXI got married and due to my husband 's income I had to start repaying the loan. A few times I did receive more forbearance 's. XX/XX/XXXX I was XXXX XXXX XXXX  with my XXXX child and I received a call that my paychecks would be garnished if I did not start repaying the loan. At that time I set up automatic withdrawals. I completed their rehabilitation program. I was then granted another forbearance and it was only for a few months. I was not aware the forbearance ended and received 5 late payment reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Since that time I have been granted several more forbearance and made every payment due timely. Due to the fact that I was not aware nor received anything stating that my loan was due I feel that these late payments should be removed from my credit report. I have requested twice for these to be removed and Nelnet is acting unreasonably. Please help me. I will be paying for my XXXX XXXX loan probably until its time to send my own children to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I pulled my credit report and there is a account called discover credit card with a XXXX balance I didnt apply for and I called discover over and over and explain that didnt apply for this account and they have started a investigation and after 90 days I was told I wasnt responsible for it and the next day I was receiving calls from the debt collectors and I explain too many times that I didnt apply for a discover card   and its on my credit report and XXXX refused to remove it from my credit report after It was blocked again this morning on XX/XX/2019 I called XXXX today and see if they block the account and they said they are unable to block it and Told me I need to contact discover to reopen the dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: EQUIFAX, 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:
They are not providing proper verification as well as deleting the false information that does not belong to me. FALSE ACCOUNTS : account number:XXXX account name : XXXX XXXX XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 following accounts are not mines, my identity was stolen and compromised years ago snd and the result of that has affected my credit files with unknown and unauthorized accounts. I'm demanding that the 3 major reporting credit agencies remove these accounts. 

1 ) XXXX  XXXX XXXX  XXXX 2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX  XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX  XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX {$20000.00} 10 ) XXXX  XXXX XXXX 11 ) XXXX   XXXX XXXX XXXX  12 ) 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
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an unknown collection account reporting multiple times on my credit profile. I am respectfully requesting that you delete this inaccurate account from my credit profile.

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 2021-04-07
Company: The Law Offices of Mitchell D. Bluhm & Associates
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:
I received a phone call from MBA law out of Texas advising I had an outstanding balance of {$1700.00} for an emergency room visit. I advised the representative of MBA law, that I had paid down the balance to a company out of Georgia and in fact did not owe {$1700.00}. I informed the representative that I would be submitting my documentation proving I had paid the balance down. I then found that MBA law had report to the credit bureaus I was in collections for the balance of {$1700.00}, which in its self is inaccurate and false. I have yet to hear back from MBA law or any of it's representatives. I have requested they remove the inaccurate report placed on my credit report but have not seen any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: HUNTINGTON NATIONAL BANK, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account fraudulently and have used checks to deposit in different accounts. I XXXX XXXX did not give permission for anything to be opened under or in my name. Please closed any account and please investigate.

Company response to consumer: Closed with explanation