BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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:
I have sent disputes to Equifax regarding this collection on my credit report from XXXX XXXX XXXX XXXX XXXX ) this account has not been updated since XX/XX/XXXX on Equifax and XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX so it has not been accurately validated like Equifax and XXXX says it was, I am questioning the validity of this account and I want it removed from all 3 credit bureaus as they are both displaying inaccurate information Also I sent in validation of late payments on this account listed XXXX XXXX XXXXXXXX and XXXX on the other account, all listed under account number XXXX stating that I was late 120 days. This info is inaccurate and I want proof sent of the validity of this account, it is inaccurate and needs to be removed from all 3 credit bureaus as well as it is listed under two different creditor names, this information is inaccurate and the account shoudl be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Husband was the primary breadwinner. He was XXXX for the XXXX time XX/XX/XXXX. He died XX/XX/XXXX. By XX/XX/XXXX I realized I could not afford to keep the house and I listed the property with XXXX XXXX Properties for {$270000.00}. I had a full price offer within a day, but if fell through 2 days later. Shortly thereafter I had a XXXX offer in the {$260.00} 's. It also fell through quickly. XXXX XXXX made a bid of {$240000.00} XX/XX/XXXX but I needed to get {$260000.00} to break even. The {$260000.00} consisted of a XXXX and XXXX trust both the held by XXXX. Thereafter XXXX XXXX notified me on several occasions that we had received one or another verbal offer but none were above {$210000.00}. XX/XX/XXXX I asked XXXX XXXX to contact XXXX XXXX to see if she was still interested and might pursue the property as a short sale. I accepted her offer of {$240000.00} on XX/XX/XXXX subject to a short sale. I completed my short-sale paperwork and we submitted it through our short sale negotiator XXXX XXXX of XXXX & XXXX XXXX on XX/XX/XXXX. By XX/XX/XXXX could no longer continue making payments. During the ensuing 5 months XXXX " lost '' the paperwork and we resubmitted it several times. XX/XX/XXXX I was notified that XXXX had sold the XXXX Trust to " SLS '' while retaining the XXXX trust. I resubmitted my paperwork to SLS. SLS sent XXXX appraisers to the property. The XX/XX/XXXX appraisal I was told was $ XXXX and the XXXX appraisal was for either {$270000.00} or {$280000.00}. XXXX figure was given to XXXX XXXX 's office and another To XXXX XXXX. No copy of either appraisal was ever provided to myself, or to XXXX XXXX, or to XXXX XXXX. XXXX XXXX was informed that SLS would consider a dispute of the appraisal ( s ) and would respond with 5 days upon receipt. By this time my agent XXXX XXXX had announced his retirement effective XX/XX/XXXX and I hired XXXX XXXX of XXXX XXXX XXXX who put together a copious, highly detailed, XXXX with a value of {$230000.00}. It was submitted XX/XX/XXXX both by e-mail and by fax. Our 5-day appraisal dispute review period has come and gone with no response. In the meantime XXXX XXXX, my purchaser has withdrawn her offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Multiple credit disputes were filed with the 3 credit bureaus ( XXXX, TransUnion, XXXX ) regarding a car loan with XXXX. The account has been closed and paid off with Ally ( XX/XX/21 ) and yet it is not reflected on my credit report. In each dispute with the credit bureau, loan payoff documentation was provided. 
XXXX ( file # XXXX on XX/XX/21 and XXXX XX/XX/21 ) XXXX  ( file # XXXX on XX/XX/21 ) TransUnion ( file # XXXX on XX/XX/21 ) Additionally when the results came back I sent letters to all XXXX bureaus with a consumer statement on XX/XX/21 and it is still not appearing on my credit report. I fought with XXXX on XX/XX/21 and they admitted they got the statement and stated that it was added but refused to address the issue of the incorrect information added in XXXX on my credit report. 

I have been unable to contact trans Union or XXXX as they do not allow options to speak to someone. Just seeking assistance is getting the consumer statement and information updated to 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 2020-06-09
Company: Square Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX cash app has locked my account due to suspicious activity they stated i would access to my accoint in 24 hours and i contacted support everyday after by email and my account has money on it that i can not access i get no support response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: DISCOVER BANK
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/2021 I began having problems with Discover Home Loans, until then payments were always made in a timely manner. In late XXXX I was asked to send proof of flood insurance, which I did. However, a forced insurance policy was placed on my loan and the payment went from {$440.00} to {$1300.00}, due to an escrow account that was added. After numerous phone calls with Collections, Insurance Department and Customer Service nothing has been done, after I have been reassured time again that the matter was going to be fixed by XXXX. I keep receiving calls from Collections on practically a daily basis, the last agent told me that I may be at risk of my property being foreclosed. This is preposterous, I have told them time and again that I am willing to pay the monthly payment that was agreed on at loan inception, the company will not allow me to pay anything but the {$1000.00} online or with a collections representative. 

I am at my wits end and I need resolutions with this issue, they are at fault, I have given them what they asked for and they have force placed insurance coverage causing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have numerous errors showing on my credit report. After reviewing it I sent Equifax a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that equifax has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I opened a previous dispute about a collections from " XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my Experian, XXXX, and XXXX  reports however. In the case of XXXX, the " XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my XXXX  account. I now have a new collections which says the original creditor is " Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of XXXX  they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by XXXX, XXXX, or Experian they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.

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 2016-09-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EXPERIAN RE : XXXX XXXX XXXX XXXX Dear EXPERIAN : The Department of Education no longer permits the use of social security numbers listed as account numbers on credit reports because of privacy concerns and other reasons to avoid confusion of what loan or loans are private or federal loans or those who have multiple student loans. XXXX and Experian continue to report loans on my credit file beginning with social security numbers, this causes confusion of which accounts are federal or private student loans, and also promote security and credit issues with approvals. Experian continous to report credit reporting inaccuracies and false account numbers on my credit file without authentication. I am concerned that XXXX and Experian are also not compliant with the Federal and State laws concerning verifications of accounts and current regulation that restricts the use of use of using social security numbers as account numbers on credit reports or other compliance and rules set forth by the Dept of Ed and the Office of Comptroller. I am asking the CFPB to investigate the use of social security number reporting as account numbers on credit files, because the federal government limits the use of social security numbers and has strict privacy laws e.g. ( privacy act 1974 ) It is not permissible to use social security numbers as account numbers on credit files because it can lead to potential misuse by creditors and banks to pool or commingle accounts, and data furnishers and credit reporting agencies are unaware of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wrote to Transunion in regards to an entry listed on my credit report which I previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to Transunion and asked them how did they verify the bankruptcy public record on my credit report to make sure that it is accurate if the XXXX District of Pennsylvania Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases. If that is the case, then where did they get the information from? If they did not get the information from the BANKRUPTCY COURT, then the information on my report is inaccurate, false and should be removed from my report. I enclosed a copy of the letter I received back from the XXXX District of Pennsylvania Bankruptcy Court supporting my position. I asked Transunion to remove the bankruptcy public record from my credit report file immediately because the public record could NOT have been verified since there is no way to verify 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 2016-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is written notice to Transunion that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the inaccurate, invalidated, disputed accounts information in which have been illegally displayed on my credit file, be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to TRANSUNION by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( TRANSUNION has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or a complete withdrawal in writing of any claim. TRANSUNION has failed to remove these INACCURATE, INVALIDATED, DISPUTED accounts outlined in my original disputes. This inaccurate accounts information should not be associated with my credit report and TRANSUNION has failed to legally VALIDATE these accounts information in the time frame allowed to them by law.

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 2015-11-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've been robbed, and my home has been broken into. All of my Identification was stolen. I sent the police reports to the credit reporting agencies to make them aware of the matter. Also, I got on the court docket to inform the court system as well. The judge ordered that these fraudulent trade lines be removed from my credit report, due to identity theft.I submitted a copy of this document to them as well. I 've disputed a judgment, someone wrote a check from my checking account with out my knowledge or consent, at XXXX XXXX XXXX, account number # XXXX. I 'm on my fourth round of thirty day of the dispute process. The supervisor called the court to verify the court document, I submitted, to make sure it was a true document signed by the judge. He indicated to me, that he would take this item off my report, if he could verify the document, and he did. But, as of to date, this item still remains on my credit report. The credit reporting agency " Experian Credit Reporting Agency '' has on file which has been verified from the circuit county courts that this item dose not belongs ' to me, and still they refuse to remove the item from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan amount are inaccurate and when I attempt to enter into an income based repayment plan, it reports my loan balance is {$XXXX}. I have been trying to enroll in an income based repayment plan to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
To whom it may concern : I am writing because under my credit report, I am reported as married to XXXX. I am not married and this is an error, as I was married to this person but the marriage was annulled due to fraud. I need my report to show my accurate marriage status, which is single. 

Also, I legally changed my name because the credit reporting agencies continued to link my accounts with those of my mother 's and sisters but now it seems they are mixing up my names. I was born, XXXX XXXX, my mother later XXXX by adding her last name, changing it to XXXX XXXX. Due to all the issues with our linking accounts I removed my mothers last name and changed my first name. My legal name is XXXX XXXX, and I need my report to report the correct information under my legal name and not past ones, that I no longer use. The XXXX report shows my previous name as XXXX XXXX, but my XXXX XXXX report only shows XXXX XXXX under my names used in the past and I am very concerned that since the reports provide different information, when they show my past names, that they think they are dealing with XXXX or XXXX different people. Thank you for your attention in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
File Number : XXXX I have a a unverified accounts from the following : COMENITY CAPITAL/HSN # XXXX Please Delete no record found. 
SPRINGLEAF # XXXX The account not verified please delete. 
XXXX. XXXX This account is a XXXX violation please delete. 
XXXX XXXX, # XXXX, # XXXX XXXX accounts has never been verified error please delete. 
XXXX # XXXX Never done busines with this company please delete. 



XXXX - XXXX XXXX {$2200.00}. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported 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 non-monetary relief
Consumer complaint received 2021-12-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage company paid XXXX taxes for XXXX and refunded the amount left escrow to us. When we called the customer service line they stated the escrow department does not take calls and gave us an email address. We sent correct tax statements to PHH that we ourselves found on the XXXX XXXX tax website and informed them of what they should have done. We informed PHH of their mistake, gave them the correct documents that they should have had and done themselves. PHH then stopped communicating with us. We have been unable to get ahold of any one in the escrow department since XXXX XX/XX/XXXX. No one will return our emails or even call us. I have called the customer service department and all they can tell us to do is look online and check our statements. We want someone to talk to us take the check back they sent us to correct the now deficit in our escrow account that their incompetence created.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
dealing with my bank on a new line of credit. they received a negative credit report. when contacting credit reporting company I was referred to another site for a free report, the problem the response would take up to 2 weeks. and due to the time constraints placed on me by the bank, that was n't going to work. my only option was to be come a member of that credit agency. 
after paying the fees, what I got was a report with only numbers. no company names or contact phone numbers. I called the credit agency 4 times trying correct this problem to no avail.during this time I had purchased {$1.00} seven day service. to get a corrected report it cost {$29.00}, and still did n't get a corrected report they also have a 7 day cancellation. I canceled within 3 days. I was sent an email from this company asking if I really wanted cancel. meantime I received a letter from the bank I was working with telling me my line of credit was denied because of the negative credit report. they gave me an XXXX number if I wanted to see the information the credit agency had gathered. I call the number gave them all the information they requested. 2 days later I got a letter from this company claiming the information I had given then on phone was not correct and had to submit additional paper and pay a {$10.00} fee. I was certain I saw a credit on the visa web site from this agency. checked the same visa web site the credit was gone. called visa, the rep I spoke to said she could get this company on the call and we could work this issue out. the person from the the credit agency said she could not refund my money that a supervisor would need to do that, told her, fine put your supervisor on the line. in the transfer process naturally I was disconnected. trying to get a credit report from this agency at best is horrific and worst a nightmare. I do n't have any documentation to backup my story, because when I thought I saw the credit on the vise site from this agency I deleted all the emails

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