BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: Fairway Independent Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The issue was that this company gave us wrong information in regards credit score I had to open an investigation with the Credit Bureaus and contact them to find out that your company told us was extremely low we are talking about a credit score XXXX  to be lowered supposedly XXXX this outrageous. Also refuse to show us the scores nor give us the source of your third party company witch was extremely wrong. I wanted to stress this incident also it reflects the unprofessional service and malice and discrimination process to the FTC Credit Laws in our State.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
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: Information belongs to someone else

Complaint:
not sure I see some inquiries on my report, that I did not do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14
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:
On Thursday XX/XX/XXXX I reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. 

They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. 

I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act. 

I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.

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 2017-09-19
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has incorrectly placed a collections account for XXXX on my credit report. I have never had an account with XXXX go into collections. No attempt to collect a debt was made and no proof that I owe this has been presented. This is fraud as I have had no debt with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: STERLING JEWELERS, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I need a copy of my personal credit report XXXX XXXX federal way wa due to fraud identity protection. There is no number to call, can not get it on line and they want me to send a copy of my license and social security card in the mail. Not going to happen. How do I get a copy? I am sure I am not the only person that has had this problem. They do not provide a location that you can physically go to and show identification which makes it even worse.

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 2020-11-03
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been going through the refinance process for primary residence with Owning Corporation for a few weeks now. I signed the final loan documents on XX/XX/2020, and as of of today XX/XX/2020, my new loan has not been funded and closed. Now, my payment with the existing lender is due and I am not sure what I need to do. 

I have sent multiple emails to the Owning closing agent and for the most part, I have been ignored. On Friday XX/XX/2020, I sent another email to the Owning closing agent and I mentioned that I was in the process of filing a complaint with CFPB. Immediately after that, I received a response and I was told my loan would close in 48 hours. As I mentioned earlier, I just checked my existing mortgage account online, and it appears that the loan has not funded yet. 

Due to this unwarranted delay in funding my loan, I am incurring higher interests and I am in the danger of being late with my current lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed for them to remove this bankruptcy 3 time with supporting documentation. They stated in the document provided that XXXX verified the information as of todays date XX/XX/2020 but the bankruptcy was removed for. XXXX as of XX/XX/2020. They are reporting inaccurate information and I would like for it to be removed and a updated copy of my credit report sent to me. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have contacted both TransUnion and XXXX about the student loan information that is incorrect with documentations and they have refused to correct the problem. 
They dont even have my correct Name right!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion is reporting inaccurate information on my credit report i have submitted an investigation and they refuse to investigate they claimed it was verified with the US Bankruptcy court i have also attached a letter from the court stating they do not did not verify or validate any or anyone 's bankruptcy and yet they refuse to correct the error

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 2018-03-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

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 2019-02-19
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( IDTheftReport_XXXX ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent a dispute letter to Debt Recovery Solutions and all 3 credit bureaus regarding a collection/charge-off. XXXX  has since deleted the account from my report while the other 2 bureaus are still listed. It is well over 30 days and the account still hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed my low score. I took a look at the things that were hurting me and noticed inaccurate information. I called about the account stating that I had several missed payments and noticed each one are reporting something different on all 3. Can you remove this off my account immediately! I never had this account and dont know where it came from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My credit is being ruined by a false bill generated when I initiated a contract back in 2016. The company had a promotion that you could take the phone and tablet back if you didn't like phone service. So the phone service was horrible and didn't work as advertised in XXXX, which is where I needed it. I returned the devices and told the store that they would handle the account and close it with no charges. Years later, I find out they have placed this account into a collection status with a Diversifified Adjustment Services Inc. I have called XXXX to resolve the issue, but they refuse to speak with me and give me a breakdown of the charges. The only thing the company will provide is a bill that states I owe them but doesn't state what services were rendered or their associated costs. They are literally making the numbers up and won't justify nor speak to me about the charges. I know this has to be highly illegal, if not extremely unethical.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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 have mailed and faxed a copy of my police report to portfolio recovery to show the account was opened due to fraud but I have not received a response and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written multiple dispute letters to XXXX, whoever they are, and they have sent me nothing in the mail at all! I thought I was entitled to the information that was being reported to the credit bureaus about me! I understand the holidays XXXX have caused some kind of mail errors, but not enough to stop them from sending anything to me at all! Since they've violated my rights, I'm complaining about them to you because I believe you retain proper jurisdiction over the matter. They have violated the FCRA by not sending me anything at all. DELETE THE ACCOUNT Immediately! HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my bill in full on they have overcharged me in interest and fees. They refused to remove a 34.00 interest charge from my account. I paid my bill in full. They took away my rewards and my account has always been in good standing. I would like Bank of America to remove this fee from my account. They are going to report my account negative because I refuse to pay for this overcharge in fees.

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 2020-05-31
Company: United Collection Service, Inc (FL)
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is regarding 2 collection account that are on my credit report. United WE Collect Inc, original creditor XXXX XXXX for {$60.00} & {$220.00}. I have contacted United WE Collect numerous times, most recently XX/XX/2020 to resolve this debt. The supervisor XXXX refused to send the details of the transactions nor settle the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Continuation of Complaint # XXXX You closed my complaint solely by relying on the documents Infiniti provided. That is wrong. I did not request copies of the documents I already possess. I filed a complaint because my decision not to have minor repairs on my vehicle at the time of lease return was a result of misinformation, wrong guidance, wrong advice I received at XXXX Infiniti dealership. Infiniti hires advisors to assist laymen like me at the end of the lease return, and their job is to give a consumer like me accurate information and advise of possible additional charges, if any. I took the time to take my car to XXXX Infiniti to avoid these charges. And I was advised that there would be no charges. I was misguided and misinformed and relied on that information. I trusted the dealership advisors, took his advice to return the vehicle as is. 

I am aware of all the documents Infiniti provided here. The issue is not the documents, the issue is XXXX Infiniti dealer advisors, where I took my car and they told me that there would be no additional charges, they inspected my car at the dealership and told me that. I am not crazy. I am not making this up. I don't have to. The problem is the Infiniti dealership giving me inaccurate and misleading information at the time of visual inspection. XXXX Infiniti misguided me and gave me wrong information and misdirection. If they did not tell me the vehicle was fine to return at the condition it was at that time, I would have paid then and had it fixed instead of returning it in the condition it was. By simply providing me with the copies of documents that I already have, Infiniti did not address my concern. I request explanation ; because of the misinformation I received from the advisor at XXXX Infiniti dealership, I relied on that information and returned my vehicle the way it was. I trusted the advisor. I request an explanation as to why the advisor working in XXXX Infiniti misled me, and gave me wrong advice and information as to the condition and possible additional charges at the end of lease return? Because of Infiniti advisor 's actions I incurred these charges. I know better than that to have some issues fixed to avoid such excessive charges. This is not a response to my inquiry and request. This is simply covering up an issue of Infiniti hiring wrong advisors and allowing them to XXXX people up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been experiencing several issues with Freedom Mortgage, who acquired my loan when it was sold by my previous company. When I went over to Freedom Mortgage on XX/XX/2020, my COVID forbearance plan was set to start on XX/XX/XXXX as well. I was contacted by a loan advisor, XXXX XXXX, who advised that they can lower my mortgage payment by refinancing. I advised him that I was on the forbearance plan and he advised that we can still refinance as long as we continue to pay our mortgage on time ( by the XXXX ) for XXXX and XXXX and we will not have to pay XXXX as that will be the month that we close. He advised that he will remove us from the forbearance plan and proceed with the refinance. Since XXXX I have left several messages and requested several return calls, and he has yet to return my call. 

The whole process has been plagued with issues and I have had to contact this company several times in an effort to assist with the process. I was contacted by someone today who advised that I am still on the forbearance plan. I was advised that I was never taken off of the plan and was now two months in. This whole time I have been making my monthly mortgage payment. I was told that I had lost 2 months and they could not credit me back. I was disconnected from the initial call after being on the phone for 30 minutes with the forbearance unit. I called back and was on with a customer service representative named XXXX for and hour and twenty minutes. we had approximately 6 minutes of talk time and the rest of the time was spent on hold as she conferenced with her supervisor, who refused my escalation request. While waiting on hold, I was then transferred to another representative without warning or notification. 

I no longer know what to do. I can not deal with this company anymore. There business practices appear dishonest. From the time that this ordeal started in XXXX I have spoken with over 25 different representatives. I have reported their practices in the past but it seems like I continue to be brushed off. I have read similar experiences by others, but it appears that the government, although reading our experiences are not taking any actions to assist us consumers with anything. People are already out here struggling with financial issues related to COVID-19 and it appears that this company is attempting to monopolize off of the struggles of Americans, under the guise of offering relief and assistance.

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 2020-09-09
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: Investigation took more than 30 days

Complaint:
I am back to date with accuracy on my payments, I have always been a good payer and was told, as soon as I am back in track with payments to be accurate and my lates would come off from my credit report. 

I called to get all the help needed and XXXX had agree not to put any lates on my credit and they still report me late. 

The reason why I was late had to do with my job not been able to work was laid off for a few months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to all three credit bureaus asking them to verify the accuracy of an account that is reporting on my credit report. I sent that letter on XX/XX/2020 and have not heard anything back. I am sending them another letter addressing the fact that they havent gotten this investigation completed in a timely manner which I believe is 30 days. 

What is reporting on my credit report is actually hindering my ability to be approved for a place to live and thus it is really crucial that this situation is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
A lady named XXXX XXXX called and said I had a case against me and told me that they would take me to court even gave me a case number at the end of the call, told me they were going to call my job and talk to my supervisor about my inability to pay, called my parents and told them about my finical irresponsibility and " wished me good luck '' because someone would come and find me soon. Feel really threatened, like I feel like not only am I a criminal, but made me feel like someone was going to come beat me up and ruin my life.

Company response to consumer: Closed with explanation