BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
It Has been more than 30 days since I sent my dispute letter to Transunion about investigating an inaccurate account on my credit report. Transunion has not responded to me via email or by mail with any results. Transunion is not upholding the law since it has been over 30 days with no response with my investigation. My dispute letter was mailed XX/XX/2021. They need to delete this inaccurate account from my credit report. ( 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 2018-12-17
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan payments were higher than what I could afford, I contacted Navient and asked if I could have the amount due lowered and was told that was not possible. Another time later I had contacted Navient and asked how I could have my co-signer taken off the account and was told that I could only have the co-signer removed by proving they were financially unable to pay for the loan. My loan amount due dropped to XXXX for approximately a year without any explanation then increased to higher than it was before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: MD
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 am XXXX years old. i started using credit at XXXX when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of XXXX years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about XXXX years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only XXXX years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXXThis is an ongoing issue with this Mortgage Company. Our home WAS in foreclosure and reinstated as of X/XX/2017. Our XXXX 2017 payment was made through online bill pay and delivered as of X/XX/2017 ( Confirmation # XXXX ) Today the Mortgage company called to say that XX/XX/XXXX payment had not been received. I called and spoke to Rep XXXX XXXX who informed that our account has a payment freeze and can take up to two weeks to be removed after our loan has become reinstated. I informed XXXX that the loan had been reinstated more than 30 days ago. She informed that a Senior Manager must remove the freeze and our payment will transfer as soon as it has been released. Also, a charge of {$66.00} was listed on our XX/XX/XXXX Statement. When calling to inquire about the charge I spoke to 3 different Reps who gave me a different explanation each time. Apparently only {$11.00} was charged for a property inspection performed X/XX/2017 to confirm occupancy. Please note that this charge was incurred AFTER the loan had become reinstated. After a rude response and confusing explanation from Rep XXXX, I was transferred to a Senior manager who waved this inspection fee. This company continues to provide us with incorrect information and we were not informed of this freeze on our account. This company MUST be held responsible for continuing issues with customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX I cosigned a CareCredit account for my son so that he could get some XXXX work done. The Credit line was set at XXXX 
On XX/XX/XXXX my son passed away at age XXXX.
On XX/XX/XXXX I contacted Synchrony Bank to find out the balance of the CareCredit account and take care of the account. I discovered that the Credit line had been increased to {$6400.00} at some point and I had not been notified. They stated that they sometimes increase credit lines with out notification. There is no way that my son 's credit rating would have been a reason for this increase. He was struggling financially. They probably increased it based on my credit rating and did not contact me as the cosigner. I am more than willing to pay the {$3000.00} that I cosigned for, however they are telling me that I must pay the entire amount owed which is {$6200.00}. They said that the account does not qualify for any assistance. 
Due to the expenses associated with his XXXX, I am not able to pay this and the monthly payments will be a financial burden. I feel I should have been notified about a credit line increase and had the opportunity to say no. Please advise me on how to move forward with 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 monetary relief
Consumer complaint received 2021-09-02
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was dealing with Veterans United Home Loans XXXX, MO XXXX to pay off a reverse mortgage with another firm, and that was completed. It was understood that I wanted the loan paid off and I would need an extra {$6000.00} to replace an AC system in a separate check at the closing. Prior to the closing procedure I was ask to send them a check for {$500.00} to cover a home value inspection and {$250.00} for a termite inspection and I would get this money back at the closing. When the closing was finished I received a check for {$6000.00} and no check to reimburse me for the {$750.00} I laid out. 
I was told by the loan officer XXXX XXXX it was part the check for {$6000.00} and this of course was wrong I am out {$650.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-02-11
Company: Experian Information Solutions Inc.
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:
I did not authorized this inquiry from 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 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Problem getting your free annual credit report

Complaint:
My Complaint is against. Trans Union Credit Bureau! I have had tons of problems with them. From XXXX to XXXX!! In XXXX they made a Claim, I was working at XXXX XXXX XXXX?? That info in XXXX, was totally FALSE!! I worked at XXXX XXXX XXXX From XX/XX/XXXX to XX/XX/XXXX ( my best estimate )! And I work there as a XXXX, then a WareHouse ( within the location I worked at only ), For a few months. Then returned to being a Cashier in the fall of XXXX and remained a XXXX. Until my resignation inXX/XX/XXXX After that Job I held jobs at i.e. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX / XXXX XXXX XXXX ( that job was from XX/XX/XXXX to XX/XX/XXXX )!! IThe other misinformation they have about me. Is that my Full Name is : XXXX XXXX XXXX XXXX That is totally false info, There is not XXXX, or XXXX in my name! My own father 's name is XXXX XXXX XXXX XXXX XXXX XXXX thus making him XXXX  years of age! And in XXXX, shortly after I moved from. XXXX Colorado and out of this address XXXX XXXX XXXX XXXX, CO XXXX. And was living on my own. At an address that I have been living at. Since, XX/XX/XXXX is XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, CO XXXX. I tried three times to get a credit bureau report. From Trans Union. And was always sent a letter, stating I was declined. A Credit Bureau Report from them! Why is it Trans Union is punishing me like this?? XXXX  and XXXX  gave be a credit report. After I gave then these xerox copied documents : XXXX XXXX ID, Social Security Card, Copy of my Lease with The XXXX Apartments ( Now has been Re-Named : XXXX Apartment Homes ), and XXXX XXXX XXXX. I want an investigation brought forth. XXXX XXXX XXXX to resolve this matter!

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 2022-09-27
Company: Experian Information Solutions Inc.
State: NY
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 was a victim of a fraud I mailed the identity theft report with a copy of my identification to all companies.

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 2023-01-04
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions. 
In accordance with Fair Credit Reporting, act XXXX XXXX XXXX has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions.

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXXXXXX  has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX, and I'm including it again. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are several items reporting inaccurately on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX TU ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX XXXX I was never late ( 30, 60, 90, or 120 days ) on the following accounts : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$500.00} ( TU & XXXX ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$19000.00} ( TU, XXXX XXXX ) The following account is the result of Identity Theft : XXXX XXXXXXXX  - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$2200.00} ( XXXX   & XXXX ) XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) Bal : {$0.00} XXXX XXXXf XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX   & XXXX ) ; Bal : {$0.00} XXXX - XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$2800.00} XXXX XXXX XXXXt ( XXXX ) - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$130.00} XXXX XXXX - XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$260.00} ( TU ) XXXX XXXX - XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$260.00} The following are unauthorized Inquiries XXXX XXXX ( 6 times ) XXXX   ( 2 Times ) ; TU ( 2 Times ) ; XXXX ( 2 Times ) XXXX ( XXXX ) XXXX XXXX ( TU ) XXXX ( 2 TIMES -TU ) XXXX   XXXX ( TU ) XXXX XXXX ( TU ) 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 explanation
Consumer complaint received 2018-05-17
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I Have contacted NationStar Home Mortgage XXXX XXXX XXXX Mortgage ( NMLS # XXXX ) at least 7 times over the past 6 months to request 1098 interest info for 2016. I requested copied of these docs over and over. They acknowledge the request but nothing is ever sent. My Address is verified and is correct. Escalated complaint to manager, XXXX, XXXX, who apologized profusely for the the situation. I left her two more messages. My Calls were never returned and nothing was ever sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Square Inc
State: NC
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: Was not notified of investigation status or results

Complaint:
My cash app account was locked on the XXXX of XX/XX/2020 I contacted cash app support team and send several mails and XXXX on XXXXr no one responded to me I cant transfer cash or pay bills I want my account unlocked.cash App doesnt have good customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: MONEY SOURCE, INC., THE
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX XXXX XXXX : The Money Source Loan number : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Good morning, We're submitting this complaint for the purpose of asking your assistance in dealings with XXXX, surrounding our loan Modification request. 

We began our conversations with XXXX on XX/XX/XXXX and submitted all requested documentation shortly thereafter. Documentation was received, by them, on XX/XX/XXXX. 

Since that time, we've been dealing with XXXX XXXX - who informed us that SHE was our single point of contact ( untrue ). Her extension is XXXX. Over the course of the last 30 days, XXXX has told us that Underwriting had questions regarding our XXXX XXXX XXXX and supplemental Letters of Explanation. 

On four separate occasions, we were asked to resubmit the same documentation. ( at XXXX 's request, her saying that it was Underwriting asking for the updates/with no clear explanation ) It wasn't until last week, when we had an opportunity to speak with a different individual, that we were told exactly what the issues of those documents war. We took immediate corrective action and submitted those documents 24 hours later. 

Our next follow-up call, with XXXX, brought us the same results as the previous for conversations. Again, she insisted that Underwriting needed an explanation on the documents that we had repeatedly explained to her, over the phone and in the detailed Letters of Explanation. 

Yesterday we had a conversation with XXXX, extension XXXX, and again, we were told that there was a request for an explanation of our XXXX XXXX XXXX, our most recent bank deposits, and the Letters of Explanation, surrounding our lease agreement. ( We currently do not have a lease agreements with any subletters ) After explaining everything to her and her actually taking the time to look at the documents, she agreed that what we've provided is satisfactory for the individual who is - SETTING UP THE FILE TO COMPLETE IT AND THEN SEND IT TO UNDERWRITING. 

This means that our file has been pending set up approval for 30 days and Underwriting has yet to see it. 

It's painfully clear to us that XXXX is actively working to willfully mislead us and break our spirits. This is a very sizable loan and the value of our home has gone up, since we purchased it. 

We are requesting that you step in and demand that they take corrective action and move our Modification request through the process in a timely manner. Our mortgage payments are in excess of {$5000.00} per month and every month that goes by, the fees and penalties add up in a tremendous manner. I've attached copies of the notes from every conversation that we've had with them to this Thank you for your help with this! 

You can speak with my wife XXXX XXXX XXXX. She is also on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-05-01
Company: EQUIFAX, 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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I submitted a request to Transunion for them to update and investigate inaccurate information from XXXX XXXX that is reporting an account on my file that is from an account that I never opened with XXXX XXXX XXXX. They have been unable to send a contract from the original creditor showing the account is accurate and valid, while Transunion is completing their investigation after only 7 days. This shows that Transunion is violating the 30 day rule and are siding with the debt collector without doing the proper investigation to verify the accuracy of this account on my credit report, due to this fallacy I ask that this account be removed from my credit report and for my information to be updated. If not then I have no problem with taking my case to an attorney for advice on this matter

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