BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today, Monday XX/XX/2019, I was charged for a TransUnion Report, Score, and 3-Bureau Monitoring service that I never requested. I just wanted to place a fraud alert after my brothers identity was stolen, but, while in the process of creating an account online with TransUnion, received an invoice for this service that I did not select. After a brief call, they said they would cancel it but couldnt ensure a refund. I find this behavior by one of the 3 primary credit monitoring bureaus to be deceitful and disgusting.

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 2020-05-05
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: Information belongs to someone else

Complaint:
I look at my credit report and I notice fraudulent and inaccurate accounts reporting on my credit report

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 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Hard Hit Inquiry without permission XXXX XXXX XXXX, 2017 Hard hit my credit without permission. Tried to call and have it removed. They could n't reverse it.

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 2019-04-15
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes by means of a Credit Repair Organization,  Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX  XXXX never late

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 2018-04-26
Company: BlueChip Financial
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The interest is ridiculous I have been paying XXXX monthly for 5 months and still arent done paying till XX/XX/XXXX. I only borrowed {$800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
During the pandemic I fell on hard times and lost my job and second source of income. The CARES Act was passed, so i just recently seen my credit report and seen UNLAWFUL reports of lates to my report!! 

So after careful review of the CARES Act i sent the Bureaus letters on XX/XX/XXXX and still OVER 45days later Still NO REPONSE! The FCRA states that disputes must be resolved within 30 days, I feel takin advantage of as a consumer violated in my rights! 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, as furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current. These new reporting requirements are retroactive to XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2019, I mailed a certified letter with supporting documents to XXXX  disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and XXXX   refused to correct the account information. Instead, XXXX  entered a comment on both accounts that states " consumer disputes account ''. 

On XX/XX/2019, I mailed a certified letter with supporting documents to Experian disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and Experian refused to correct the account information. 

XXXX  is the only credit bureau that is accurately reporting the two accounts at issue. My XXXX  credit report shows that the XXXX and XXXX accounts were both included in bankruptcy

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 2019-04-15
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In Mid-XX/XX/XXXX2019, I received a letter from XXXX XXXX XXXX, indicating that as a result the settlement of a lawsuit between XXXX XXXX XXXX XXXX XXXX and CFPB, my loan payment has been reduced, and that XXXX was now collecting payments for my private student loan through XXXX XXXX XXXX XXXX XXXX. The letter, however, did not indicate how my private loan through XXXX XXXX XXXX XXXX that was being serviced through Firstmark Service was going to be terminated or how Firstmark Services was going to be notified of this settlement result. 
When I called XXXX XXXX XXXX for clarification, I was told any of my private student loan through XXXX XXXX XXXX XXXX now needs to be paid through XXXX XXXX XXXX, and no one else. When I called Firstmark Services, they insisted I needed to pay Firstmark Services. 
I called both Firstmark Services and XXXX XXXX XXXX multiple times, and verified that that all of my private loan that was being serviced through Fiirstmark Serivces wasfrom XXXX XXXX XXXX XXXX XXXX, and I have learned that both Firstmark Services and XXXX XXXX XXXX are sending me bills for payments for my private student loan through XXXX XXXX XXXX XXXX. I have asked to speak with the managers multiple times at both agencies, and I was never able to get through to any managers, and the representatives I spoke at both agencies could only repeat that I owe each of the agencies payments for my private student loans through XXXX XXXX XXXX XXXX   without any explanation. I looked for ways to contact XXXX XXXX XXXX XXXX XXXX, but every time I called, I was only given the number for XXXX XXXX after multiple transfer of calls. Neither Firstmark Services nor XXXX XXXX is willing to look into my situation. Both Firstmark Services and XXXX XXXX are refusing to communicate with each other regarding the settlement result of the private loan through XXXX XXXX XXXX XXXX XXXX. Instead, they are both insisting payments. 
I have since learned that neither Firstmark Services nor XXXX XXXX XXXX has proved to me with any documents that my payments, indeed, need to be paid through either one of the agencies. In the mean time, I am getting bills from two different agencies for payments for the same private student loan, which I am not even sure what education the loans were for. 
XXXX XXXX XXXX XXXX and Firstmark Serivces seem to be acting very irresponsible and unfair, charging individuals through multiple agencies what they do not owe. I request CFPB to look into this matter for me. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been attempting to payoff our forbearance 2nd mortgage for 3 weeks now We can not get anyone to respond to the written requests from the closing agent At this point they are costing us potentially the lock we have on the refinance we are doing This is unacceptable- it should not take 3-4 weeks for any company to provide a payoff letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Navient Solutions, LLC.
State: VA
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:
Last year before XX/XX/2017 I was making payments of XXXX per month to A CD STUDENT LOAN. Due to a medical hardship I have been on an income based plan for one year of XXXX $ payment meaning my principle would have accumulated around XXXX plus interest in one year. Last week around XX/XX/XXXX I got my first letter from Navient that they now had my loan with no previous warning saying my payment was due on XX/XX/XXXX for XXXX. How is that possible? That is an increase of XXXX more per month or XXXX more in the same 10 year period I was paying on before. I called them and ask them to explain that and all they did was give me the runaround. I need answers and I am scared. I was been on a forbearance before for a year and my monthly payment only went up around XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX My mom name is XXXX XXXX Her husband name is XXXX XXXX I XXXX been an victim of identity theft since the age of XXXX 2009 Where before I came out of my group homes my mom XXXX and her husband XXXX which is my step father been using my social To run up bad debt before I even had the chance to use it for myself XXXX XXXX another data company that they option me out of, so that I wouldnt be able to see certain accounts on my report knowing an regular consumer report has a way of receiving its information and now me being XXXX it is effecting judgements liens before I was even able to get a job, my social they use to require jobs, phone bills mortgages insurance benefits Wasant informed of nothing nor received the help from the benefits. 

The reason I was in the group homes was because of abuse I have called them and know this is finical XXXX can somebody please Let XXXX XXXX Equifax core logics XXXX XXXX Mortgages insurances judgements liens auto insurance I have a XXXX since I was young. My mom use to get benefits for me being XXXX. Idk who they are getting away with this stuff the scandalous activity needs to stop its not just like a somebody puck up my social and used it once or twice this is a whole operation they been doing and I have got the police Irs trade commission and have contacted legal services for an attorney the proper and legit way please give me some understanding. There not American they was not born in America. I was they look at me like money gold mine because I was born in America they are not from untied states.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : 01 XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX. requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
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: Old information reappears or never goes away

Complaint:
I filed Bankruptcy on XX/XX/XXXX. However, Experian is still listing companies as debts that appeared in my Bankruptcy such as XXXX XXXX It also listing XXXX XXXX as a closed account when in fact it was paid off by XXXX XXXX in XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
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: Their investigation did not fix an error on your report

Complaint:
Re-aging accounts on my credit reports which are obsolete. I have contacted TransUnion and XXXX   in regards to disputing outdated information on my credit report. Well, TransUnion and XXXX is still reporting obsolete creditors and refuses to delete the re-aged accounts which is against the law. TransUnion and XXXX finally deleted some of the obsolete accounts but they left 16 accounts by this one creditor XXXX XXXX. This creditor has to be a collection agency stemming from the original creditors because all the outdated information that was deleted this creditor XXXX XXXX is now showing all the amounts from the deleted creditors. I had never heard of this org. I have requested numerous times for TransUnion and XXXX to request for this creditor to provide the original creditors information such as opening dates, payment history etc, this is of great importance as it will demonstrate that this creditor is re-aging the accounts to keep on my credit which is against the law. I am again asking for TransUnion and XXXX to delete the 16 accounts from XXXX XXXX. A collection account is considered a continuation of the original debt. '' It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with " updated '' activity dates, I will have to file a legal case against them. Its not fair for me to have to continuously go through this when this creditor is reporting false information. Its not fair for me to have to seek legal representation but I will have to because me filing disputes are not getting this issue 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 2017-11-30
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I filed Chapter XXXX Bankruptcy. I had a mortgage on a non-owner occupied property which I excluded from the plan as I was trying to sell the property. After months I obtained a buyer and was excited to close on the sale of the home. I had to sell for less than what I owed, but I did not pursue a short sale. My title company had obtained a payoff XX/XX/XXXX where there was a {$400.00} Review of Plan/Notice of Appearance fee for the bankruptcy. The closing was delayed and Ocwen Loan Servicing was very uncooperative in sending a payoff statement to my title company so I could close on the sale nearly causing me to lose my buyer. When the payoff was finally received, they charged me {$400.00} for Review of Plan/Notice of Appearance and added {$450.00} Bankruptcy Fee that was not present on the previous payoff. On top of that, they charged me an additional 23 days of per diem interest on my payoff in Illinois where it is not permitted to require FHA payoffs to be good through the first day of the following month. These fees were not disclosed to me, not provided for in my note or security instrument that I could see. This caused a financial hardship in an already distressing situation when I, as a debtor, could have just surrendered the home in bankruptcy causing the lender significantly more money.

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 2020-11-04
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Visa credit card from First National Bank of Omaha that I never applied for. I called and was told that my XXXX gas charge card was being discontinued and my account had automatically been moved to a Visa. I told them I did not want the Visa and was told to call XXXX to cancel. I called XXXX and was told the gas card would be closed effective Sunday and I would have to call the bank next week to cancel the Visa as they did not have my information yet ( but had still issued a card ). 

Now, instead of having a card with which the possibility of fraud only existed at a certain gas station, I was unwillingly given a card that would open me up to fraud a nywhere. In addition, adding a Visa would negatively affect my credit score and closing that Visa immediately on receipt would even further negatively affect my score. I was told that it was too bad and that sometimes things are just out of our control. I do not want this Visa, do not want any mention of this Visa on my credit score, and never applied for this card I was sent. First National Bank of Omaha will cause damage to my credit that will take a long time to rectify and it was forced on me without my request or consent. If there are truly bad trade practices, I believe this would be among the defining pictures.

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 2021-02-04
Company: Arcadia Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited XXXX XXXX XXXX XXXX in XXXX XXXX California for an XXXX XXXX I used my military health insurance plan to pay the services. I later received a bill 6 months after that visit stating I owed XXXX dollars. I called the office and paid the bill over the phone. Not even 2 months later they had a collection item on my credit for XXXX dollars. I have called and called and have not gotten them to delete this off of my credit. I understand the amount is XXXX but it shows under collections.

Company response to consumer: Closed with explanation