BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
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: Information belongs to someone else

Complaint:
Box XXXX : ATTN Fraud Department : Remove fraudulent accounts 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 2021-10-28
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:
XXXX XXXX I HAS LEFT A DEROGATORY COLLECTION ON MY XXXX XXXX FILE AND I HAVE SPOKEN WITH XXXX AND XXXX ABOUT THIS ISSUE. 
I ALSO HAVE FOUR HARD INQUIRY THAT I DIDN'T APPLY FOR NEW LINES OF CREDIT FROM ANY BANY OR LENDING PROGRAME. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2017-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX   XXXX  I was th e victim of identity theft / credit card fraud. I pay for the identity theft and monitoring service through USAA as well and followed all directions provided as well as all requested from USAA ban k. Provisional credits were issued on both my affected credit cards and checking account.     However, on  XXXX  card the charges were charged back to me, only to be credited back yet again. At which time  USAA  sent documentation that all credits were permanent. However, a year later in  XXXX   XXXX  without notice, explanation, or even contacting me to t ell me USAA  decided to charge back only  XXXX  of my affected credit card accounts for the finalized fraud/billing dispute a year prior. This is in violation  of Paragraph 13 ( c ) ( 2 ) of Subpart B 1026.13 ( c ) ( 1 ) Effective D ate :  XXXX / XXXX / XXXX  of Regulation Z.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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: Information belongs to someone else

Complaint:
Box XXXX : ATTN Fraud Department : Remove fraudulent accounts 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 2022-03-31
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX Credit Breau XXXX Credit Reporting Breau Experian Credit Reporting Breau I have made numerous attempts since 2018 to have Fradulet information removed from the credit Breaus I have sent certified identity theft reports I have sent certified police reports they have not followed the law An block these items from my report They place them into dispute to keep a long process going iam in the process of speaking to a lawyer now for damages, time wasted! an to hold them accountable for not following the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Western Portfolio Assets
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Number used is XXXX. They reference file # XXXX. They even have my home address. However, they are looking for a XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX Debt agencies have been after this XXXX XXXX XXXX ( who apparently lives or lived at one point in XXXX XXXX  ). The tough part is that he and I apparently share the same last 4 digits of our SS #. So I give them my first 3 digits, and that usually solves the issue. If not, then they ask for DOB and I give it as XXXX XXXX XXXX does not share my same DOB. I provided BOTH to the person at the above number, and they accused me of lying to them about who I am. They wanted me to send them a copy of my driver 's license to prove I am who I say I am. I told them that the information I provided was more than sufficient to prove I am not XXXX XXXX XXXX. The gentleman then started threatening me with his legal department, and I accused him of harassing an innocent individual. He hung up on me and did not finish the conversation.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2020-11-14
Company: 21ST MORTGAGE CORP.
State: AL
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:
Im a victim of identity theft and there are several hard inquiries on my report that I have no knowledge of applying for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called and requested an escrow account to be established on my investment property with Mr. Cooper the first week in XX/XX/XXXX. The representative placed the escrow account through by requesting an escrow analysis and advised I would need to make the XX/XX/XXXX payment and they would pay going forward. I asked if there was anything else I need to do on that call and he advised no. 
I later received a letter from Mr. Cooper advising taxes haven't been paid and they are force placing insurance. I immediately call them and found out taxes for XX/XX/XXXX and XX/XX/XXXX weren't paid. The employee looked into it and said something XXXX through the cracks and the account wasn't sent up causing an escrow shortage. She told me it would take a few months to set it up. I contacted the employee ( XXXX XXXX ) by email helping me multiple times and never received a email or call back. This just caused a further shortage and payment would have increased beyond making me afford the home therefore I had no choice but to refinance XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX XXXXXXXX ). Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!

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 2021-05-24
Company: Ridge & Valley Realty, Inc.
State: CO
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 reached out to the credit bureaus and the creditors regarding these accounts. The accounts are outdated and out of the statue of limitations for debt in Colorado. The creditor nor the credit bureaus have not responded to my request to have these outdated tradelines removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: FIRST HERITAGE CREDIT LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX in XXXX Louisiana. contacted me on XX/XX/2018 about collecting a debt for First Heritage Credit in the amt # of XXXX Acct # XXXX I have been making payments and I dispute this amount. They continue to call everyday at least 3-5 times or more a day. I have made arrangements with them and my account is up to date. But they still handed my account over to the law firm. Saying that I have not made payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.

These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.

1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
XXXX 2nd case TransUnion, Also stated there company will respond back to me within 60 days. Each and every complaint, that's recorded on file with TransUnion, the company have Always replied, that it would take up to 60 days ignoring Any FCRA Rule on time limits or providing a response back in 5 days per FCRA. THIS MATTER US NOT NEW, AND SHOULD NOT TAKE 2 MONTHS. THEREFORE, TRANSUNION, CONTINUE TO VIOLATE MY FCRA RIGHTS. I WILL BEGIN FILING A LAWSUIT THIS WEEK AGAINST TRANSUNION VIOLATION OF MY RIGHTS.. I'M AWARE OF MY RIGHTS AND TRANSUNION, NEGLECTFULLY VIOLATES MY FCRA RIGHTS AND RULES. THIS IS A DELIBERATE ACKNOWLEDGEMENT OF TRANSUNION MAKING THERE OWN RULES FOR THE CONSUMER. I HAVE EXHAUSTED ALL TOLERANCE, IN FOLLOWING THE FCRA RULES IN DISPUTING THE SAME EXISTING INACCURACY WITH TRANSUNION. This dispute matter is unacceptable for a 60 day turnaround time frame. The FCRA, time frame is 30 days, with some exception to extend to 45 days. Written Communication must be submitted to the consumer 5 days from the date dispute is received.

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 2017-06-12
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Case number :  XXXX  was never resolved. There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: MO
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 the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, the balance on my Lowes/Synchrony Bank credit was paid twice. I contacted Lowes/Synchrony Bank the next day and I requested that the amount be restored to my bank account. I was told that was not possible even though thats how it was paid, digitally. I was told a check would need to be issued. It has been more than 3 weeks. My account still shows a negative balance which means the check hasnt begun to be processed. I am requesting your assistance for this reason.

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 2017-04-17
Company: United Check Recovery Bureau, Inc.
State: DE
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This Person called my family, and people who are not related to me. Told them I wrote bad checks. Told people who are not related to me that they stole my identity and were being investigated. Told me if I did n't pay I would be sued and arrested. He was very disrespected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: National Enterprise Systems, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
NES serviced my loan after  XXXX  charged off the loan without contacting me by phone, email or mail.     Since  XXXX , have paid {$10000.00} on these loans to  XXXX . I have requested financial hardship assistance multiple times and have been denied all options.     The original lessor,  XXXX   XXXX   XXXX  charged off my loans in  XXXX   XXXX . Per FTC regulations you were mandated to report the activity to the credit bureau within 30 days, and contact me within 30 days.     NES did not contact me by  XXXX   XXXX . As of  XXXX   XXXX , there was no report made to the credit reporting bureau. This is a violation of FTC regulations.     Furthermore,  XXXX  withheld information regarding my loan. Between  XXXX   XXXX  and  XXXX   XXXX  I made numerous attempts by phone and written email to obtain the contact information of the new servicer ;  XXXX  would not even give me the name or phone number! It was impossible for me to make any payments at this time.     Finally, the first correspondence I received from NES by mail was on  XXXX   XXXX ,  XXXX . I have not received any phone call or email communication from  NES.  Today is  XXXX   XXXX ,  XXXX .     I had an attorney at  XXXX   XXXX  send a dispute letter on my behalf on  XXXX   XXXX ,  XXXX . NES claimed my dispute was invalid and they attempted to contact me. I did not receive any phone calls, voicemails, or emails.     NES did not contact me via phone, email or mail between  XXXX   XXXX  and  XXXX   XXXX . Again, it is not possible for me to communicate with another party if I do not have accurate, assessable contact information.     In  XXXX , I received a letter dated  XXXX   XXXX ,  XXXX  from another collection agency! Now    XXXX   XXXX   XXXX   XXXX   XXXX   holds the loan. I am working with an attorney to send a dispute letter on my behalf within the next week.      This is is predatory and unjust behavior from all of these agencies.   I intend to pay my student loan, I need fair treatment and fair reasonable payments.     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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2020-06-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been contacting the credit bureaus ( Equifax, XXXX & Transunion ) to have information removed that does not belong to me. After the disputes, they return a message that states they have verified the information belongs to me. This can't possibly be the case since they do not belong to me. How do I get this information disputes correctly with true results?

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 2017-06-15
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Hi. I had filed my taxes for 2016 online and was told I owed XXXX {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on XXXX. Today, I got a notice that a public record was placed on my credit report by the NY State Country clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$650.00} on XX/XX/2020, XXXX, at Bank of America, XXXX XXXX, CA. location. The ATM number is XXXX. But the ATM got problem, took all my money in and only printed a receipt of deposit of {$300.00}. On the receipt shows they created an issue record that will be attached to my transaction. And call them to claim, number is XXXX. I went into the bank, they tell me to call the number. I called them on XXXX, they refund me a credit of {$300.00}. I got this {$300.00} on XX/XX/2020. I called them again says they still short me {$50.00}. They said they will make record and come back to me. But I never got respond. I wish they can refund me the {$50.00}. Every deposited I made on this account is {$650.00}. they can see the history.

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 2020-04-22
Company: SLM CORPORATION
State: MS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I talked to someone with Sallie Mae and it was agreed that I would pay {$3900.00} on a student loan and then be released from the balance. I was a co-signer. The payments would be XXXX in XXXX, and payments of XXXX for the following 5 months. When I called in to make the payment first payment, the employee too the full amount ( XXXX ) all at once from my account instead of the agreed amount. When I tried to call them, they refused to let me speak with the person that did this, they didn't apologize, or anything. I have a written letter showing the agreed upon payments, and for him to do this is wrong. I want this person reprimanded at the least, but would prefer to see him fired so he can't lie to other people. His name is XXXX XXXX Employee XXXX    XXXX extension XXXX for number XXXX in Delaware. This department went out of their way to make excuses and not help me with this situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief