BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In or around XXXX XXXX, I paid the credit card balance in full for the amount of {$380.00} my credit line was only {$300.00}. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory statement from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.

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 2018-10-31
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
SYNCB/ JC Penney account is from XX/XX/2011 payments were made for a while and then account was closed and charged off I contacted the company and it was suppose to be removed disputed on XXXX  a few years ago.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
This collection account shows an incorrect open date. I did NOT open this account 6 months ago on XX/XX/XXXX, XXXX Who shops for a mattress on XXXX XXXX??? For one, the store was likely not open and secondly this account was opened in XXXX  when my address was XXXX XXXX XXXX, XXXX NY. The transaction was a mattress set purchased from XXXX XXXX on XXXX XXXX in XXXX, NY. All original paperwork would show the actual date. I have NOT spoken to anyone from this firm about this debt, therefore not starting the clock over. 
I have submitted several disputes to Transunion regarding this matter however it appears they have not done their own due diligence regarding this issue as if they had they would have found my claim to be accurate and true.

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 2019-10-13
Company: EQUIFAX, INC.
State: MN
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:
The following accounts and credit inquiries are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XX/XX/2019 and XXXX XXXX XXXX, XXXX. The accounts and credit inquiries are fraudulent. I filed a police report with the XXXX XXXX Police Department. The XXXX XXXX Police Report Case Number : XXXX. The investigating officer is XXXX XXXX of the XXXX XXXX Police Department. The creditors listed above can call Detective XXXX XXXX at : XXXX. Detective XXXX is investigating the fraudulent accounts and credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2018-06-03
Company: WELLS FARGO & COMPANY
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 am sending this complaint against XXXX 's incorrect negative reporting on my credit reports. I have attempted to have this issue resolved with XXXX 's through filing a dispute with the credit agencies and to no avail. The problem that I have with the statements received from XXXX 's states that my payment due date is on the XXXX of each month ... I am just going to list one of the statements billing cycles as an example ... This is the one that a 30 days late was reported on my credit report for XX/XX/XXXX. The billing cycles shows from : XX/XX/XXXX to XX/XX/XXXX, now from this billing cycle a " consumer '' would think this billing cycle is for XX/XX/XXXX. With that being said, how could my billing due date be for XX/XX/XXXX when this billing cycle goes beyond the XXXX? My next question of concern, how is this cycle billing for the month of XX/XX/XXXX when it covers the month of XX/XX/XXXX? How can XXXX 's expect a customer to make their payments on an account before the cycle ends? 

I feel as though XXXX 's billing and reporting is 'fraudulent '' and very " deceitful ''. This company should not be allowed to impact negatively on a consumer 's profile report and get away with this type of fraud reporting. Perhaps, they should look at how their statement cycles are calculated. 

Overall, I am so unhappy and disappointed with their overall calculating and deceitful reporting ... I am currently in the process of accessing funds so that I will totally pay off this debt and NEVER shop or do business with them ever again. Word of Mouth is very damaging to a business ... It is my intent to apprise any and everyone I can as to how this company chooses to conduct their business.

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 2022-01-14
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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX  XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Innovis
State: NY
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:
You are reporting a PO box and I don't have one I lived at my address for 42 years where the XXXX you get this po box from remove at once and remove my personal statement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days.

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 2022-01-14
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own 5 rental homes and have mortgages on all five ( with three different mortgage companies ; New Rez/Shellpoint XXXX XXXX XXXX XXXXXXXX XXXX and XXXX ). 

XX/XX/XXXX- my insurance company, XXXX XXXX, sent each mortgage company a declaration page covering all five homes in the amount of {$4900.00}. After sending out the main declaration page for all five homes, my insurance agent ( XXXX with XXXX XXXX XXXX XXXX XXXX ) immediately sends the mortgage companies a breakdown of how much to pay towards each home ( between $ XXXX {$1000.00} per home ). 

Each mortgage company pays the insurance premium then, recalculates the escrow based on any increases in taxes and insurance from the previous year. This has been set up between my mortgage companies and my insurance company, in this way, for 15+ years. 

Note : New Rez/Shellpoint holds the mortgages for three of my five rental homes. They paid the correct amount of insurance on two of the homes but on the third home they paid the master total of {$4900.00} for all five homes. 

XX/XX/XXXX, I received a check for overpayment from my insurance company. I immediately contacted New Rez and told them to put it back into my escrow so I wasn't short. I paid the overpayment directly back into escrow over the phone. 

XX/XX/XXXX I received an escrow analysis stating they are increasing my monthly mortgage payment due to an increase in my homeowners insurance and shortage of escrow. 

Summary : New Rez made an incorrect payment into the escrow of one home causing that mortgage to increase by $ XXXX. I have been making weekly phone calls trying to get this resolved since XX/XX/XXXX. With each phone call I am told they would be getting a new declaration page from my insurance agent at the number verified XXXX, and will issue a new escrow analysis within a few days. 

I have the names, dates, times, and notes of every phone call. I have a record of agents opening a ticket then closing it the next day without any changes being made. I have agents calling themselves Supervisor when they were simply a team lead who couldn't come to the phone upon a follow up phone call the following week ( supposedly only supervisors are able to take calls ). 

This, along with my social security income, is my retirement income. I count on the money I get from the rent on these houses. A {$400.00} a month increase in my mortgage will bankrupt me within the year. Someone needs to make the corrections necessary to fix this problem before my next payment is due XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
The 3 major credit bureaus are reporting unvalidated information 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 2022-01-14
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

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 2022-01-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Starting around 2004 I took out loans with Sallie Mae. In no way did my school explain to me that they were private loans. Now the loan servicing center Navient is trying to make me pay XXXX back to them. I did not even know who navient was until they started hounding me. I have tried to work with them but I am currently behind. I can't pay this ridiculous amount and I don't feel I owe it especiallywhen Sallie Mae was the servicer and apparentlysold my loans to Navient. It's a shame a school would continue to ask so much tuition that they have to result to tricking people into private loans and loan money that they know borrowers won't be able to pay back. I'm in my XXXX year of teaching and can't think about retiring because of Navient. They are also hounding my XXXX XXXX XXXX mother who was my cosigner. Nothing they have told me was true even to the point that they promised if I made 12 payments of XXXX a month they would release my cosigner and then they didn't honor it. In trying to do this I almost lost everything I have and even my spouse. It doesn't matter if you get the company to investigate its own people, they are not gon na be for the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are three inquiries on my credit report that arent mine and need to be removed. 

XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  Theyre unauthorized and will need to be removed as soon as possible. 

Contacted creditor for letter of deletion and uploaded documents with FTC 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 2022-06-16
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My sister passed in XXXX and when i went through her documents, she showed that she took out a home equity line of credit mortgage. When I called Specialized Loan Servicing LLC to get more information, they would not speak with me. I went to court and became administrator of the estate. I was told that the mortgage is tied to our property and it would have to be paid. I started making payments but I am on a fixed income as a senior. I asked for assistance in getting a modification and I was granted a trial payment plan for {$640.00} starting on XX/XX/XXXX to XX/XX/XXXX. I was told to continue making payments until I received the final mod. I continued to pay that trial payment amount and never received the final. I met with a Housing Counseling Agency and the Specialist called SLS and spoke to a rep and was told that this home equity line of credit is an adjustable rate mortgage loan and that the last payment they received was on XX/XX/XXXX for {$640.00}. However, the payment changed in XXXX, XXXX to {$700.00} and in XXXX, XXXX to {$710.00} and in XXXX, XXXX to {$700.00} and in XXXX, XXXX to {$690.00}. I was never aware of that until I got a notice that I am behind in the mortgage. Additionally, the monthly payment that I was making was disengaged in XXXX, XXXX. THEN I WAS TOLD THAT SLS DOES NOT MODIFY LINE OF CREDIT LOANS. I have attached a copy of the letter that approved me for the trial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major  credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: I.C. System, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I.C. System Inc. reported the same debt to credit bureaus in the amount of {$380.00} on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 I was never notified of the debt or given the opportunity to dispute the debt prior to it being reported to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was/am a victim in equifax credit information breach. Per equifax ' web check system my information was compromised. On XXXX/XXXX/XXXX I was given a future date of XXXX/XXXX/XXXX to enroll in trusted prime ID. A full 5 days after they *acknowledged* my personal information was compromised. 
I have put a fraud alert on my account for the next 90 days but have no idea what the far reaching impact of this will be. The cost for ongoing credit monitoring, the tangle of time for future paperwork/procedure processing. Those are the " easy '' things I 'm going to have to deal with. The cost and time-suck should my information be used is unimaginable to me. 
The exposure of my most vital personal information is my worst nightmare.

Company response to consumer: Closed with explanation