BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and Transunion has not only been equivocal, they have not provided the requested and sanctioned documentation required by law, nor have they amended the information, in reference to the following accounts since last contact. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXPlease be advised that this is not a refusal to pay the debt, but a distinguish sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a specified compulsion, which is binding on me to wage this debt. This is NOT a request for " validation '' via E or evidence of my mailing address, but a mandate for AUTHENTICATION made pursuant to my Clear-cut name Date of Birth Social Security Number and correct address current accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with instantaneous validity. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any mistaken reports of these as mine. Please proof your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this apparent matter. What is your agreement of law for your collecting of intelligence? What is your authorization of law for your collection of this believed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my autograph or authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: 2288984 Ontario Inc.
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Hello, My name is XXXX and here is what happened. While searching for an installment loan online, I was able to find this loan matching service. I applied and was pre-approved for a line of credit from Money-Key. Once I called them and agreed to the terms, I was approved and recieved the money on XXXX/XXXX/2015 according to my bank statement. As we agreed, they started the payback process on XXXX/XXXX/15. The first transaction was XXXX. The next was taken out on XXXX/XXXX/15 in the amount of XXXX. It would withdraw money every two weeks. I noticed that on XXXX/XXXX/15 the name on my statement changed from MoneyKey to MKey-virginia. And I checked my moneykey account on XXXX/XXXX/15, and they still show that I owe XXXX and were planning on withdrawing from my account on the XXXX. I have added up the total amount they withdrew since XXXX/XXXX/15 and the total amount was XXXX. That is well enough to cover the XXXX. I called and asked about my loan, and they said that I have not paid off my balance at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Account name XXXX XXXX XXXX Account number XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new XXXXAddress XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Account name XXXX XXXX XXXX Account number XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX C Account number XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new XXXXAddress XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new

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 2016-04-25
Company: Clearview Resolution Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Department of Civil Processing @ Clearview This company continues to call my place of employment threatening that they have papers with my SSN/Name/etc. and I must contact them within 5 days or they will submit my case for processing. They have called me for the better part of 9 months claiming this. When confronted on the phone, they refuse to disclose any pertinent information. They use different names, phone numbers. Apparently, they do this to XXXX people. This needs to stop!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
So a few months ago I checked my credit report and noticed a account by the name of Seventh avenue I never heard them and know for a fact I do n't owe them any money.spoke to my mentor about it and a rep at my bank and they told me to dispute it maybe it was a accident. So I disputed with XXXX first and it keep saying verified! I do n't understand how they are veryfing this so I contacted the company seventh avenues by phone and mail and they told me it was nothing they can do. I 've been getting turned down for credit card for this reason and it unfair. This needs to be deleted because it is n't accurate.this is causing me a lot of stress because I do n't have any other negative items on my credit I am very responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My daughter attended what used to be XXXX and graduated. I took out Parent Plus Loans to pay for her education, with the intention that she would take out a loan after graduation, pay back the PPLs but that never happened. She got married, had XXXX children and I became XXXX enough that I could n't do my former job. In addition, I 'm now XXXX years old and would be hard pressed to resume work. I 've had XXXX and I 'm very XXXX. I have had many interactions with XXXX/Navigant with quite a bit of pleading on my part to put me on Income Based Replacement or Income Contingent Loans. I have applied for both of these but have been refused and given only the option of forbearance, which as you probably know, puts you out of jeopardy with your creditors but the interest continues to accrue. My original loan that was under {$100000.00} has now blossomed into a loan well over {$200000.00}. I think about this every single day. It has put a strain on my marriage, my credit, my relationship with my daughter and ultimately, my ongoing health issues. Please help me and all of the folks in a similar situation. We are all desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never received a letter or been called about this debt. I did not know it existed until I applied for an apartment and they brought it to my attention. When I called National Credit Services to explain I have never in six years been made aware of this debt I was told by a XXXX XXXX that my only option was to pay. I fully dispute this debt, as it was for an early termination fee that I was made to understand would be collected from my initial deposit on the apartment that sent this debt to collection. Because it has been six years, I no longer have paperwork regarding that apartment and the apartment no longer exists, as it was bought out by new management years ago. So I am not able to see if the apartment still has records on file. XXXX XXXX also told me I can not dispute the debt and when I asked for written verification of the debt, he said it would take three weeks to send it out to me. Under law, I believe they have five days to do so. I would like to dispute this debt, but the rep from National Credit Systems in XXXX GA refused to give me information besides repeating the amount and name of the apartment. I am also unsure if this debt can legally be collected because of how old it is. When I asked him if it had reached the statute of limitations time limit, he said he did n't know what that was. He puts me on hold for XXXX min in order to avoid my call and I have still never received a letter or call from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Bread Financial 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:
Despite sending FTC reports, police reports, notarized documents and filing disputes, and then hiring a credit repair company, all three credit bureaus and several creditors are still reporting fraudulent information and have not removed the items. Please see attached supporting documents that explain the situation, and the accounts in dispute. Complaints are being filed against both the bureaus and the creditors. This has been going on for years and it is extremely damaging to my credit and is costing me money to fight it. I want the items removed immediately. FTC and police reports attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: WA
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 pulled my consumer credit report and noticed fraudulent accounts and submitted an FTC report for this identity theft. I am in the middle of purchasing a house so I demand these fraudulent accounts be removed because they are holding me back since they are increasing my debt to income ratio. I am simply demanding they be removed, but I know monetary compensation is owed to me for this false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX filed income tax lien in the XXXX XXXX Court. I have lived in State of XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer. 


Consent to publish the

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 2023-01-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT
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 do not have an account with Community Loan Servicing. The account information listed on XXXX is inaccurate. I did not open an account with Community loan Servicing in XXXX  as indicated on my experian credit report. I would like legal documentation of what is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX when I came back from the military I was contacted by a debt collector, for a balance from synchrony bank. I set up a payment plan, paid off my debt, and received a letter from the debt collectors stating that it was paid off in XXXX. For the past couple of weeks, synchrony bank has been constantly calling me and harassing me about paying for something that is no longer owed, I've informed them that it was paid off and that they needed to stop contacting me. Their number is on the block list, however, I'm still receiving calls and emails from them.

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 2016-08-11
Company: CITIBANK, N.A.
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I sent money to my friend in XXXX but by mistake I sent to a wrong bank. It happend on XXXX/XXXX/2016

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 2015-07-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My wife and I have had a loan wit XXXX XXXX for several years. Although we were late at least twice on the loans, we caught them up. The loans were then sold to Springleaf Financial. Recently, I reviewed the payments on the loans and noticed that the amounts have never decreased since we have had the loans. XXXX loan is for {$15000.00} and another for {$5000.00}. XXXX loans are more than the original loans now and have not decreased. For example, we have paid more than {$60000.00} on the XXXX loan and I have no idea on the XXXX. When we tried to ask questions pertaining to why we have paid so much on the loans and they never decreased, we are either sent through multiple departments or referred back to the high interest rate and penalties on XXXX loans. I have discussed with several parties outside of the loan companies and no one seems to help. We both believe something is not right concerning the loans and the amounts we have paid on them, yet the amounts are not decreasing. Based on what is currently happening-WE WILL NEVER PAY THE LOANS OFF!! Please help. We have documents that can be sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have requested a payoff ad nauseam to a avail. I continue to get voice mail. I have left VM for the telephone office ... 
Springleaf Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I even applied for a new loan ... no answer ... no once has called me. I am okay if not approved but I still need a payoff. A simple call back would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: ProCollect, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of this year I started receiving calls from a debt collection agency named Procollect based in XXXX Texas. They stated that I owed a debt in the amount of XXXX dollars from an apartment complex named XXXX in XXXX Florida. I informed them that I lived in XXXX Hawaii and could not have possibly rented an apartment in Florida. They asked for proof that I lived in Hawaii and I sent them a W-2 from my employer here in Hawaii which had my address from the previous year. About a week later I received a call from them stating that the proof was not good enough and they needed me to file a police report about identity theft. I told them that this was the one and only thing that popped up on my credit report and that it must just be a case of mistaken identity. I also informed them that XXXX Police had no jurisdiction in Florida and that in order to file a report I would have to physically go to Florida to file. This would cost around XXXX dollars to complete. They then stated that it would be the only way they would stop calling. I then contacted XXXX  apartments and spoke with their bookkeeper. She informed me that my name was not on file as owing a debt. I took her number down and contacted Procollect to have them contact this person. They refused and since then have called me a minimum of 3 times a week for the past 6 months.

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 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Remove this security freeze.

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 2020-10-19
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a PMI {$72.00} that is part of my monthly mortgage payment, my existing loan servicing bank, Shellpoint mortgage, has been trying to collect additional funds for PMI, they claim there are PMI disbursement shortages although I have paid my mortgage monthly payment in full including total amount of PMI in full. If bank has not made the PMI disbursement, I should be showing an overage amount in my PMI escrow account versus a negative balance amount. On XX/XX/XXXX they disbursed 2 PMI payments {$140.00} and on XX/XX/XXXX they disbursed 2 PMI payments {$140.00} and therefore escrow account is currently showing a negative amount of {$280.00}. I have been having this issue with them for months, I have been calling them for months and every time they say they will investigate it that results on no valid resolution but they keep messing up the escrow / PMI and they have done nothing to correct the errors on their end and fix the  problem, I dont understand how could there be a shortage of PMI when I HAVE BEEN PAYING IT EVERY MONTH! .. To be clear, taxes and homeowners insurances are not part of my mortgage or escrow account. I pay property taxes directly to my township and buy my homeowners insurances thru diff company. The escrow account is ONLY for PMI. PMI is a fixed amount that is part of my monthly payment. My loan was transferred to them back in XXXX or XX/XX/XXXX from Ditech financial. They should have all the payments recorded and so able to verify all payments have been made by me. Dont understand how could possibly be a shortage with the PMI,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: AR
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:
Do not recognize charges on all of the following accounts Arkansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the companies listed above failed to assist me with these accounts after many attempts to bring attention to this matter as a result all negative information is inaccurate and unrecognizable, I have no knowledge of those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: AFNI 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:
In accordance with the Fair Credit Reporting act XXXX  AFNI, INC., ACCOUNT- XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation