BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing and requesting validation of a debts I do not owe AND basic inaccuracies on my credit report for months now, and TRANSUNION has not only been evasive, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. NAME- XXXX, XXXX : XXXX XXXX XXXX Acct # : XXXX - Not Mine, No proof of debt Or ValidationXXXX XXXX Acct # XXXX Not Mine, No proof of debt or ValidationXXXX XXXX XXXX Acct # XXXX Not Mine, No proof of debt or ValidationINACCURATE INQUIRIES : XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXPlease be advised that this is not a refusal to pay the debt, but a observe sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) you claim 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 pull an inquire. I am requesting proof that I am the accurate party to these or gave authorization to pull my credit, and a XXXX, which is binding on me to pay this debt. This is NOT a request for " corroboration '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my name Date or Birth SS and correct address XXXX XXXX XXXX XXXX, KY XXXX accordance with section of the Fair Debt Collection Practices Act. Or i request this be removed as soon as possible. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature or authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I got a notice from fcc collections It was an amount that was Outrageous, I first called my lawyer XXXX XXXX & XXXX XXXX they wrote a tetter that I am attaching. They then called the collection agency to ask for an accounting to date they have not sent it. I called both transunion and XXXX numerous times to complian. The last response was from Transunion was that the credit agancy said nothing was wrong with the account and they do not have an accounting available. Nothing is being done but atleast Transunion requested it. I am requesting it for a few reasons by law first consumer law 611 5 a says that the credit agancy has 30 days to reply with information oin the inquiry, Second by law the rental company who is claiming I own the money is not abiding by the rental laws, I have requested the acconting to prove that I owe the money, My lawyer asked for it the County asked for it. The collection agancy has still not come up with it. It has been 180 days and counting far past the 30 days that is required to come up with proof of the debt according to the law. Again accouding to the collection agancy " we do not have one available '', If I have submitted XXXX complaints the credit agancy has not done so yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent Transunion sworn statement of id theft for accounts on my report that is not mines. The accounts below are not mines. The XXXX account on my report that is mines XXXX ( XXXX ) is more than 10 years old and the refuse to remove. All other reporting companies have removed it. 
Accounts below are all ID fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
XXXX I also have have XXXX XXXX forms from XXXX but these accounts still show on report as Charge offs. They should have been removed.

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 2017-01-23
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have an company XXXX that I know nothing of that keeps pulling my credit for no reason. I have n't applied for any credit cards due to the fact of trying to fulfill XXXX past ones on my credit. I also placed a fraud alert on my report and have n't received not XXXX call from companies while there are still being hard inquiries being reported on my credit report. It 's quit frustrating when the credit bureau does n't believe you and your already in a XXXX situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX orwww.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with 'XXXX ' who said the site should allow me access to obtain my free credit report. I live in XXXX, am a U.S. citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no U.S. mail service in XXXX. We are moving back to U.S. in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
YES HI, I 'M NEEDING YOUR HELP WITH TRANSUNION WHEN THEY HAD THIS COMPUTER GLITCH! ALL MY INQUIRES WERE REMOVED FROM MY CREDIT REPORT, TRANSUNION NOTICED THE ERROR AND HAD THEM PUT BACK ON MY REPORT THAT IS AGAINST THE LAW!!. WITHOUT WRITTEN NOTIFICATION BEFORE IT 'S ADDED BACK ON. I CALLED TRANSUNION XXXX AND ADVISED THEM AND I WAS TRANSFERRED TO THE SPECIAL HANDLING DEPARTMENT. I ADVISED THEM THAT MY INQUIRES WERE REMOVED AND SUDDENLY THEY REAPPEARED, AND I WAS N'T NOTIFIED IN WRITING THAT THESE THINGS WOULD BE ADDED BACK TO MY CREDIT REPORT. I ALSO ADVISED THEM THAT THIS WAS AGAINST THE LAW & YOUR COMPANY HAS BROKEN THE LAW!!!!! PER FRCA SECTION 611.

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 2016-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
transunion is reporting a judgement on my account from NJ Superior court XXXX this judgement has been vacated.XXXX pLease remove this judgement asap.

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 2016-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed a late payment from XX/XX/XXXX with XXXX on Trans Union. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Trans Union did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Trans Union leave it on my file after the dispute?

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 2016-04-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My mortgage company XXXX is re-aging my debt to extend the length of time it impacts my credit. Our last pay date was in XXXX XXXX and we have been in foreclosure litigation since XXXX XXXX. XXXX is reporting our last pay date as XXXX XXXX and it is keeping us from qualifying to rent a home. I disputed this information with EQUIFAX and they re-affirmed this as correct despite our complaint. We want both the agency to be fined and the mortgage company. I HAVE NOT PAID NOR HAVE I PROMISED TO PAY the mortgage company since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am a victim of ID theft, and have been declared so by the FTC and the local Police and had forwarded Transunion the Police Report and the FTC ID theft report, along with a dispute letter addressed to Transunion ( see attachments ). 
The FCRA requires the credit bureaus are required to block fradulent information from the credit report so that it can not be re-inserted irrespective of the creditor 's wishes. Transunion failed to block all information and there was a fraud related XXXX XXXX XXXX account that they initially deleted and now have re-inserted it on my credit report, thereby violating the FCRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX i went to XXXX XXXX XXXX to buy a car. I was told that XXXX had their own finance company and gave them permission to run my SS #. When i reviewed my credit report i found out that they actually shotgunned my ss # which made me have several soft and hard inquiries that i did not authorize. I contacted Trans Union who removed them all which raised my score and reduced my number of inquiries and added them all back today. I did not authorize these and i contacted the companies asking for something proving that i did. which i know they can not produce because i didnt know or authorize them. Shotgunning for car purchases should not be allowed without a person permission. This is horrible on a person credit.

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 2015-06-22
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX I had unsufficient funds to cover a check which resulted in an overdraft charge. I am on a fixed income and only get a pension check due to being retired. I was unable to pay the overdraft charge because of not having any funds to do so. After a certain number of days they started charging me a {$7.00} Continuous OD charge. At the present time my account is XXXX. On XXXX XXXX I went to PNC Bank and talked with a XXXX XXXX who told me that he would turn this over to their Acquisition Dept to see if he could get some of these fees waived. He gave me suggestions as to how I could free up some cash. One of the suggestions he made was to consolidate. 
On XXXX XXXX I received a call from the Acquisition Dept and I returned the call to them on XXXX XXXX. I talked to a man on the phone and I did n't get this gentleman 's name but he was very rude and degrading to me and just flat out told me that I could n't get any of these fees waived. On XXXX XXXX I talked online to a XXXX in PNC 's website and in Chat. I explained my situation to her and she claimed that she would try again to get these fees waived. She told me that they still would n't waive some or all of these fees.. On XXXX XXXX I applied for a consolidation loan and the loan was denied. I want to be able to pay these fees plus free up some cash for myself. The loan was denied. At the present I have XXXX XXXX working on trying to still get this loan approved but is not promising anything. 
My question is, How is a person supposed to make it being charged so much just because you are overdrawn on your account. If this total amount comes out of my checking account I will not have enough money to pay all of my bills and it will possibly result in another overdraft charge. I also have an insurance premium that comes out of my checking account on the XXXX of each month. They proceeded to still take this out of my checking account knowing that I had a negative balance and resulted in another overdraft charge. On XXXX XXXX they proceeded to try to pay this again still knowing that I had a negative balance and resulted in another " Retuned Fee '' Charge. What I would like to happen in this matter would be for them to waive some of the fees in this account. Even if they do waive the fees and I do or do not get this loan I intend to close my accounts at this bank and open another checking & savings account elsewhere. I 've only had my account at PNC Bank since XXXX 2014. I would n't recommend this bank to any of my friends or family to do business at for the way that I have been treated. 
XXXX XXXX has been very helpful but the other departments at this bank are terrible to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was arbitrarily expelled by XXXX XXXX XXXX without cause violating their handbook and student loan contracts in XX/XX/2012. 
I've filed debt discharge apps and what have you, repeatedly, and yet these loans still a-ppear. 

I need them removed immediately as they are killing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Midwest Acceptance Corp.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Midwest Acceptance Corporation is trying to recharge me for a car loan that has already been paid off. I appeared in court twice specking with Midwest Acceptance Attorney 's and showed proof that the car loan was paid off and I no longer owe them. However, I have another court date about this matter on XXXX XXXX, XXXX. Enclosed is a copy and proof that Midwest Acceptance Corp. no longer has a Lien on the XXXX Ford. Here we see that the names on the acceptance letter. They noted that the interest on the XXXX Ford was satisfied as of XXXX/XXXX/XXXX they also released us the title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: PHH Mortgage Services Corporation
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage service company changed from XXXX to PHH Mortgage. I have a 60 day window to make payments. 
I received written notification of the change. I have been unable to set up an online account, after 4 attempts, taking at least one hour each. The website has confusing instructions and does not function. 
Neither Customer service or IT service are able to assist me. 
I am not sure these people are capable of managing my loan. I do not want this to have a negative impact on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My recent credit report showed a collection account from XXXX. I reached out to XXXX and filed a complaint and provided evidence that the account was settled in full. XXXX responded and indicated that the cancelled checks payable to XXXX were endorsed by NCO Financial and XXXX was never paid ; hence, the collection. Please see attachments of cancelled checks and correspondence from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After I was denied a loan modification I submitted a short sale. The offer was {$370000.00} see attached proof. The appraisal was {$400000.00} completed by Fay Servicing, see attached proof. Fay counter offer was {$500000.00}. We have been going back and forth and they are not helpful at all. They even are refusing to order a new appraisal, as this one is almost 6 months old. 

The number 1 complaint is this appraisal was done by Fay Servicing and it came in at XXXX. The counter offer of XXXX by fay servicing shows that they are not working in good faith and they are just looking to foreclose and own the property. I do not believe they are aware that in today 's market if they got XXXX after a foreclosure they would have spent 1+ years of maintenance, taxes, insurance and loan up keep, which would bring their total net amount much lower then they are getting on the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX has old account information on my credit report that is over 7 years old. I have disputed it for a long time and they refuse to remove negative item.

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 2016-04-12
Company: Allied International Credit Corp., (US)
State: CA
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:
XXXX has referred me to collections for an amount that has been paid since XXXX 2015. This has been the second time it has happen. the first time I contacted XXXX management, they took care of the problem by adding a credit. Now the fee is showing up again as a debit and they stated that it was because XXXX has extracted the money. I then contacted XXXX and they have no record of this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: PHH Mortgage Services Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After purchasing my home in XXXX of 2012 for a purchase price of {$230000.00} and an appraised value of {$250000.00} it was noted in writing that PMI would be dropped after XXXX percent of the purchase price was paid with a certificate of value showing the home had maintained it 's value, or automatically after XXXX percent of the originally purchased price was paid. 
I paid off XXXX percent of the purchase price and obtained a certificate of value, but unfortunately the certificate was prepared by the bank and it shows that my home is now worth only {$210000.00}. This can not be true since all homes in my community have increased in value since 2012, and the recent tax assessment of my home is {$300000.00}. I therefore believe the bank is showing a low value simply to prevent my payment from being reduced. My mortgage banker is Coldwell Banker Mortgage. I have attached a copy of my latest tax assessment for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on my loan last year and escrowed for taxes and insurance- I have repeatedly submitted a copy of my HUD 1 and Initial Escrow Account Disclosure statement which clearly identifies that my account was set up with escrows for both taxes and insurance. I had to submit the documentation several times and Ocwen refuses to acknowledge that I am escrowing for insurance as well as taxes.

Company response to consumer: Closed