BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 plus days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

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 2021-02-23
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am not able to log into my account since XX/XX/21. Their site is down. I attempt to call them instead but their Customer Services are always busy and I am not able to get it through. They are playing game and holding up my fund. I would ask them to call me to get this problem resolved, there is no way I can get hold of them. I believe they did it on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I noticed items on my credit report that didnt belong to me. I sent in a dispute letter to have the negative items investigated and removed from my report on XX/XX/XXXX. On XX/XX/XXXX I sent in a 30 day demand to comply letter and its now XX/XX/XXXX and ive yet to receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

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 2020-08-24
Company: Experian Information Solutions Inc.
State: GA
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/2020, I applied for a XXXX XXXX ( XXXX ) credit card, and Experian ( XXXX ) did not provide a credit score on my behalf, giving the reason that I had " Insufficient Credit Experience ''. While XXXX   generated my scores for the other credit reporting agencies, their omission of my Experian score resulted in me being denied my application. For several years I have been working to improve my credit scores, but it appears that my efforts have been in vain. Over the past year, I may have also been turned down for other credit facilities, and may have suffered higher rates or other less favorable terms as a result of Experian 's omissions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: SC
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:
Circa XX/XX/XXXX, ( see. Attachments 1st notice ) I originally wrote to the company Experian in regards to disputing/verifying the account XXXX XXXX XXXX that is being reporting in my credit file. The full details for the account is XXXX XXXX XXXX reference number XXXX. 

Experian responded by writing back to me stating that the account was either updated or verified. I then responded to Experian on XX/XX/XXXX requesting their method of account verification. Please note that Experian at no point in time ever provided me with any account-level documents to verify disputed accounts. Be advised that this company XXXX XXXX XXXX never provided me an initial notice of debt ( the initial communication of a debt ). I disputed this account originally circa XX/XX/XXXX ( see. Attachments ). I also requested method of verification from Experian for this account on XX/XX/XXXX after Experian claimed the account was verified ( see. Attachments ) but no  verification was ever provided to me. 

I then requested that the disputed accounts be deleted from my credit file immediately on XX/XX/XXXX, after no proof of verification was provided from Experian. Please be advised that Experian has not responded back provided method of verification within the FCRA timeframe and is not in compliance with the FCRA guidelines. Also I request that CFPB step in as a liaison to assist in resolving this matter. 


I request that Experian comply with the FCRA, by removing this aforementioned inaccurate unverifiable accounts from my report. These accounts are incomplete, inaccurate, and unverifiable. I have given Experian more than 45 days to produce documentation to verify the account. Please be advised that all supporting documentation will be unloaded to support this complaints. This will include letters to Experian and copies of certified USPS receipt. 

What would be a fair resolution

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 2022-08-05
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. I am not responsible for this debt, as I do not have a contract associated with this account, and you failed to present me with the original application as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX were never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions 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 sent 4 letters to Experian asking them to validate some collections, charge-offs and a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am getting ready to send them my final letter with the intent of filing a lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in 2016, I was contacted by Transworld regarding an emergency room bill they were assigned to collect. I agreed to settle the account and made payment to Transworld. No account from Transworld was reporting to my credit history at this time.

Later, I took a look at my XXXX credit report and saw that Transworld has been reporting the account as a collection account, even after I made payment. Their tradeline states paid in settlement but in the portion stating amount paid it is blank. My common sense would say they ( Transworld ) should at the minimum report how much was paid. 
I did dispute the accuracy of the information to XXXX XXXX, who stated they contacted Transworld and were informed to delete the entire account. So it is off one of my credit reports. However, when I made the same dispute to XXXX, XXXX   responded that Transworld reported back the information should remain unchanged on my credit history. I do not understand why Transworld would tell one credit bureau to delete an account and another to continue reporting it. It is not so much as reported as a disputed or contested account by Transworld.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have my son 's XXXX XXXX medical bill from " XXXX XXXX XXXX XXXXXXXX. '' .Date billed XXXX XX/XX/XXXX amount XXXX XXXX XXXX was born XXXX XX/XX/XXXX. This bill was paid insurance company " XXXX XXXX  ''. But collections agency " AR Resources inn '' trying to collect the debt from me again.I contacted the " AR Resources inn '' several times and explained that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Foris DAX, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account with Cryto.com on XX/XX/XXXX, I made 2 deposits totaling {$900.00}, I also made 3 purchase. Then today I was notified that my account was deleted and no refund was due. Ive contacted them and they said that due to their terms and conditions they did not need to give me a reason for this. I would certainly like my money back

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 2020-09-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I noticed incorrect accounts on my credit history and would like them to be reviewed because I did not inquire about any of these accounts. I have great credit and would not like my history to be tarnished by such acts of fraud. Please removed these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
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:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX card ending in account # XXXX. I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX   however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am currently in the process of a refinance on my 1st mortgage and Shellpoint Mortgage is my 2nd lien holder. They have been notified by my lender as of XX/XX/XXXX to send subordination instructions. Again on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. We have the correct contact person at Shellpoint Mrs. XXXX at XXXX XXXX, we have the correct email address XXXX but no one will call my lender for the simple subordination instructions. 

They have told us it will take 30 days after they receive the package from my lender but we can not send a package without instructions. 

I have spent too much time ( hours ) on hold over the last few weeks trying to assist my lender ( they have too ) and it's to the point I have to file a formal complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/XXXX I mailed my dispute letters out to the credit bureaus, I have not received a response back in a timely matter. They had 15 days and didn't response this matter should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been overpaying my car loan since 2015. Now the company set it up for me to pay every two months, but I am overpaying every month. The company changes back and forth as to whether the payments go to principle and or interest. Each time I call to try to make progress the company fluctuates as to whether the extra payment goes to interest or principle. They stated that no matter how much I pay each month I will not be able to pay my loan off early.

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 2018-07-06
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I had previously filed a dispute with all three credit reporting agencies regarding an outstanding collection account from XXXX XXXX. In working with XXXX XXXX on an agreement, it was discovered that bills had never been sent to an updated address after I had sold the property service was for. I pad the collection and submitted documentation to the credit reporting agencies. XXXX  and XXXX updated my credit report by removing the account, but Experian has not. In re-filing the dispute I have discovered they will not permit a dispute about their previous judgement, but they provided no notice and provide no rationale for keeping the collection on my report. They do, however, suggest paid services through their company with the implication that paying for their services will provide more favorable results. I would like Experian to remove this collection from my account and I do not wish to have to purchase their services to do it. The other two agencies handled this without any 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 non-monetary relief
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  is reporting a balance of {$1400.00} on the XXXX/XXXX account. Contacting XXXX/XXXX  they state that the account was discharged in XX/XX/XXXX and the account should not appear on the credit report, and has also sent me the copies of this information including the cancellation of debt and a letter from the Vice President 's offices stating that the account was cancelled and no longer in collections.

XXXX  has not acknowledged these documents that I have sent since XX/XX/XXXX and has not updated the information on my credit report. The attachments clearly show that the XXXX/XXXX  should not be on my credit reports. XXXX/XXXX additionaly will not accept payment and tells us to contact the credit bureaus to have the items removed. We have done this but the account is still not removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started following my credit on XXXX XXXX a few months ago, and I got notification in XX/XX/XXXX that a debt collector identifying itself as Assetcare/Capio started reporting a medical collection from XX/XX/XXXX. I shouldnt have any medical collections because Ive been insured since XX/XX/XXXX. I wrote what I thought was a pretty detailed letter explaining this and asking for any documentation they have that would explain how or why I ended up with a medical bill which Im supposedly liable for. 
I also tried disputing it through the credit bureaus and the same thing happened. I dont understand what kind of game theyre pulling, and its ridiculous that something which to me seems like a random number is now reporting to my credit history, and without any explanation as to why my insurance wasnt billed. Again, Ive received no documentation to justify what theyre doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Would really appreciate it if Huntington Bank would partner with XXXX. I use XXXX XXXX a lot for pay day advance. It takes a long time because they say my bank ( huntington ) has to send my transactions. XXXX implied that it may help if huntington partnered with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
Best Buy reports information from XX/XX/2013, however I was delinquent in the beginning of 2013. The 7 years of delinquency has done the damage already and I ask to remove them as this account is beyond the statue of limitations for first reported delinquency. This account needs to be off my reports please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently submitted a new complaint, # XXXX, which XXXX XXXX, the company I am complaining about, apparently answered that this is a duplicate of a previous complaint. This is totally false. The new complaint asked the question, " Do you own the mortgage Note? " I never filed this complaint with the CFPB before. I believe that they sold the Note to a debt collector. 

If they say the do own the Note, in answer to my CFPB complaint, and I prove that they do not, in court, they have committed a felony, lying to the CFPB, which is punishable by up to 5 years in jail and a fine. 

This is a chance for them to avoid that situation by admitting that they do not presently own the Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Resurgent Capital Services L.P.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Ive filed a complaint before : # XXXX XXXX XXXX XXXX continues to harass me and my family by sending me notices of debt collections. This company has sued me and has tried to garnish my paychecks from my employer. Theyve had attorney offices call me and tell me I owe them money. Theyve recently sent me a letter and have increased a debt I do not owe. Its ridiculous!!!! I had to file with you the CFPB just to stop them from garnishing my pay. I believe my previous case file was even sent to the Federal Trade Commision. Ive notarized countless documents to this company and they still continue to harass

Company response to consumer: Closed with explanation