BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Today, XX/XX/2020, I received an email from TransUnion inviting me to login and see my credit score. I tried to login with my username, and was told, invalid. Then I tried to login with my email address as my username. I was again told, Invalid Credentials : Please Try Again. I then clicked forgot login information, which took me to a screen asking me to provide my SS # and last name. Then when I clicked, what happened was, that same screen simply erased, as if I never input anything. So, I typed my SS # & last name again, and clicked continue. What happened was, the exact same thing - when I click continue, then screen simply erases, as if Ive never input my SS # and last name, and I get no other message. The problem is that i can not login to TransUnion. Additionally, for more than a year, TransUnion posts fraudulent information about me, inside the " Personal Information '' section of my TransUnion credit report. TransUnion  refuses to remove the ridiculous, false information, and refuses to provide information about who supplied them with the libelous, fake information. Also, when I previously unfroze my TransUnion report, potential lenders tell me that my credit report is frozen. TransUnion refuses to allow me to unfreeze my credit report and show it to selected lenders.

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 2021-11-01
Company: World Acceptance Corporation
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXXedit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : WORLD FINANCE XXXX Balance {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BlueChip Financial
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Applied for loan through Spotloan totaling XXXX after applying for the loan and receiving the loan. I noticed that the pay back of the loan was more than the loan which is over 460 % interest which equals XXXX which is over XXXX more to pay in full. The amount for each payment is XXXX now it is XXXX for 6 months to pay back a XXXX loan. I placed a stop payment on my bank account that would block them taking money due to that would take a majority of my VA XXXX. I have been receiving emails constantly demanding the first payment starting in XXXX of 2021 and on XX/XX/2021 i contacted them to resolve by paying a lesser amount that would at the end of the six months XXXX to them but they couldn't do that do to interest of 460 % was occuring. I sent a copy of a survey i was ask of them and they responded i could get a better APR but they will not honor that now i am faced with a huge problem that i tried professional and honorably to pay back but they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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:
I sent my documentation to Transunion they keep telling me that the information is verified but they have not provided proof by way of documentation to show that this is my actual debt

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 2017-08-05
Company: Praxis Financial Solutions, Incorporated
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a complaint in XX/XX/XXXX or XX/XX/XXXX, claim number XXXX. The debt was placed on my credit and I attempted to resolve the matter with the debt collection agency at that time but was unsuccessful in doing so until you all got involved. After trying to dispute with the company, XXXX XXXX XXXX, I contacted you all and the debt was removed off my account immediately. Now, I have another credit agency, Praxis, attempting to collect money from me on a debt that I do not owe and that was removed off all XXXX credit reports. I received the letter on XX/XX/XXXX ( attached to this complaint ) and immediately contacted the company. I called the number and extension provided in the letter and was violated in so many ways. I tried to speak with the representative and explain to him I did not owe the debt and I had documentation proving the debt was removed with a {$0.00} balance. As soon as I tried to explain my case to the representative became very upset and hostile and would not allow me to explain what was going on. As soon as I informed him I was not obligated to pay this debt, he began to yell and force me to believe I owed the debt. The representative stated " my company is legit and they would not be attempting to collect a debt I owed if I did not owe it ''. I tried to respond to explain I had proof this debt does not belong to me and again, he began to yell and he said " if I did not listen to him and he was not going back and forth with me and if I continued to talk, he would hang up the phone ''. That he did. The man hung up on me after yelling at me and telling me I will pay this debt. I have never been talked to so rudely in my life coming from someone attempting to conduct business. I do not owe this debt because I left the school ( XXXX University ) with a {$0.00} balance. I would have never been able to get my transcripts and enroll in another college if I had a negative account status. XXXX finance department cleared me to receive my transcripts which are included in the claim number I provided above. Actually, I was able to pay for 10 copies of my transcripts right before they closed. This debt is not real.

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 2023-05-06
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 information incorrect

Complaint:
I have two charge off items on my XXXX account that is reporting monthly. The first account is a XXXX XXXX Credit Card and the second item is a XXXX XXXX  Credit card. According to the FCRA USCC CODE 15 this is a illegal practice. I place a call to XXXX and they refuse to remove the items. Dispute number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
two loans from TCF bank were not paid and they showed no consideration for a senior during a pandemic covid 19. 
and trying to take the home and will not accept a reduced pay off or reinstatement

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 2021-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 spoke to an agent and she confirmed that there was no record of any late or past due payments associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The government because I am in the military has breached my file 3 times. All 3 bureaus I have asked to investigate and remove inaccurate negative inquiries and information- this has not happened.

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 2020-10-23
Company: U.S. BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX order products from XXXX. Paid with XXXX from my bank. Paid for overnight. 4 days later I contacted the company and that's where my order was that's my order number and I gave it to him and they said they chip it out again and give me a bogus shipping company. On the shipping site the tracking number I gave you pulled up somewhere near my house and said it was there being delivered at XXXX in the morning nothing was ever delivered. I then called my bank to dispute it and the lady said that they would look into it and probation my money within 10 days. I called back to me 15 days later and they know money ever hit my account and the gentleman said don't best edition was being done at this point my money should be back in the account. Today I contact the bank and they say I owe you XXXX to bad even though he recommended it and you used it from our application thanks I too bad. I then spoke to customer service again at the product site and they told me all will be shipping it out to you again I didn't respond to anything and XXXX minutes later a response came back and said oh okay I 35 % another XXXX minutes later and said to me what's on tonight like it was an automated que. when I called my bank again and tried to tell them hey this is a scam you're selling a product called XXXX that is basically saying hurry we're going to scam you and not refund the money. When I told the banker that he said there's nothing he could do I said so what you're telling me is to take all my money out of your bank and put it into something secure and that will take care of me when I have an issue with avenger or an online purchase for a purchase that goes through their Bank. That's the reason I'm filing a complaint today.

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 2018-02-26
Company: EOS Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection account on my 3 credit reports from XXXX XXXX/XXXX XXXX for XXXX $ which was already paid. I tried to reach out to the company to get this account removed but was not successful. Account name is listed as XXXX on my credit reports with a date of XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: MARINER FINANCE, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
The loan company will only accept that we reapply for the loan or their lawyer will garnish our wages or place a lien on our house or car.

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 2018-02-26
Company: Ditech Financial LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had an original XXXX XXXX XXXX Loan for my primary residence that subsequently serviced by several loan servicers. During the 2008 recession and financial and housing crisis my mortgage became insolvent and thus I applied for a HAMP and TARP loan under the direction that I would be able to get relief. I was wrongfully denied a loan modification and have since been in litigation with the loan servicer for the past several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit but however my loan servicer still reports this as a derogatory mark not only damaging my personal credit but my livelihood as well. They have also subsequently taken payments from me during a trial modification period. I made all payments timely and with good faith and was denied once again. They pursued the foreclosure breaking HAMP and TARP requrements. We have had a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and upon reviewing my credit file I have become aware of an account held by XXXX XXXX that is a direct result of identity theft. I have never had any dealings with Convergent or the company XXXX that they represent. An amount of {$1300.00} that is listed on my account does not belong to me it is fraud. I have contacted Convergent credit regarding the account IN THE AMOUNT OF {$1300.00}, 4 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with convergent or XXXX whom they represent. This account is a result of identity theft.

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 2020-02-13
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a request to the servicer asking them, among other things, to correct the spelling of my wife 's name on our newly established loan account. I also asked them to fix our mailing address. I mailed the request and e-mailed it to the addresses provided to me by the company. The company e-mailed me back saying that I had to mail the request for a name change to the address where I already mailed the request. They also asked for additional documents showing the new name. But I did already mail the request to the address described and there is no name change. They just entered it wrong when they originally setup the account. All the origination paperwork is correct. They just need to look at the origination paperwork and enter the correct information, including my correct mailing address and my wife 's correct last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: JPMORGAN CHASE & CO.
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have faxed several times trying to get a copy of the bank this Home Line of Equity was deposited to as follows:1.)  $XXXX deposited to checking account #XXXX  with no Routing number of       bank name.2.) Undisbursed funds $XXXX3.)  $XXXX      $XXXX XXXX  XXXX      $XXXX XXXX XXXX      $XXXX XXXX XXXX4.)  $XXXX Mortgage Real Estate TaxCredit Line:     $XXXX  Total  I keep faxing to XXXX with a response that is not answering the questions I have repeatedly ask for many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CITIBANK, N.A.
State: CA
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:
Made a XXXX payment Payment was for XXXX and XXXX They failed to apply it for XXXX Citi is refusing to fix it Citi Told me they called to XXXX and couldnt find my phone call Citi decided to stick with their XXXX lai And jerk me around toy with me Refuse to take the fees off Refuse to do anything Disregard everything I said And only stick with phone call to XXXX I will take them to court The court needs physical address For serving the court paper Not p o box address Citi refuses to give me a physical Address They say they dont have physical address Only p o box Big XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare has failed to promptly post my monthly Mortgage payments beginning with theXX/XX/2020 payment of {$2300.00}. 

I have made no fewer than 10 attempts to get this resolved, between XX/XX/XXXX and today, XX/XX/XXXX. 

I have secured evidence from my credit union ( XXXX XXXX XXXX XXXX ) that they ( the credit union ) processed all of my ACH mortgage payments to Loan Care via their bill pay service. 

In addition to an exceptionally frustrating customer service experience of trying to reach someone at Loan Care by phone ( getting to a human via phone requires nearly 10 minutes to navigate their XXXX just to get to the final prompt ), their company continues to place automated calls to my mobile asking that I contact them. 

Loancare is unable to connect the dots to resolve simple issues. 

Please help!

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 2021-02-25
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: Their investigation did not fix an error on your report

Complaint:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED AT 30 OR 60 OR EVEN 90 DAYS THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED

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 2022-08-06
Company: EQUIFAX, INC.
State: MD
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:
Credit ran an excessive when applying for auto after being told just one company would 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 2018-02-26
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and i find two hard inquiries that were not authorized by me. I contact XXXX XXXX and XXXX about the fraudulent inquiry and they agreed to remove it from my credit report but they never did. I recently check my credit report and XXXX XXXX added another inquiry to XXXX  report that i did not authorized, i call them and they both said the same thing. I'm very frustrated, this is a very serious matter, XXXX XXXX and XXXX  won't help me fix it. Please remove XXXX/XXXX XX/XX/XXXX and XXXX/XXXX XX/XX/XXXX from 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 non-monetary relief
Consumer complaint received 2020-05-21
Company: Nelnet, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a federal student loan account with servicer Great Lakes Educational Loan Services and they have incorrectly reported my account as being " deferred '' when it is not in deferral status. I never requested a referral and have been made aware of a credit reporting error made to many people with this same loan service. I am on a {$XXXX} IBR plan and have been for years! The only change that should have been made to my federal student loan account was bringing down the interest rate to 0 % until XXXX due to the COVID-19 crisis. This horrible error in reporting has caused my credit score to be lowered by 20 points ( XXXX ) and 27 points ( XXXX ) respectively. I can provide proof. I have not had any other changes made to my report or caused anything to alter my score and it wasn't until my federal loan account changed statuses that I was made aware of the lowered score. This needs to be resolved immediately as I have now been placed in an entirely lower category of credit scoring. This is an extremely negligent business mistake on the part of Great Lakes. I contacted them to make them aware of the error and there was nothing the customer service representative could do to direct me to resolve this grave error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation