BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this dispute in reference to a call that I made onXX/XX/XXXX. I do not know the exact amount because I have not had any contact with the company involved, FEDLOAN Servicing for about three or four months. They have a delinquent report from XX/XX/XXXX that is really negatively impacting my credit score and preventing me from buying a house. I have been working with them for several months on my loans and they were aware that because of some medical issues that I was unable to work or pay my loans back. They had been putting me on deferment fot the last probably 12 to 15 months to allow me to recover and go back to work. I have been trying to buy a house and in that process I found out that this had been reported delinquent in XXXX. I called them on Monday, XX/XX/XXXXand they said I had been under deferment since XXXX and XXXX which they said covered that and it should not have been reported delinquent. Also, according to the representative I spoke with it showed where I reach out to them in XXXX to check on why they were not contacting me or mailing me anything. I, also, was checking on my deferment Staub and they updated it and said they would remove the delinquent report from XXXX, but, it is still reporting even though I am on deferment and the companies representatives told me it would be removed because it was covered under my deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I do not know who this person is but I didnt give anyone permission to run my credit report or open any accounts.

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 2019-12-02
Company: EQUIFAX, INC.
State: UT
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:
XXXX  XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: GA
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 was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can pre approve me and I was denied. I pulled my credit and I see some things on there that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own. These items need to be removed, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31
Company: Better Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Better Mortgage originated my home loan and now I'm receiving mortgage bills from 2 separate servicing lenders : XXXX XXXX XXXX and XXXX XXXX XXXX. Not only am I receiving bills from both, but my credit report shows that I have 2 separate mortgages. I only own one home. I've attempted to contact the lender about this but they said they couldn't answer my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
An old account I had with XXXX but have not used in years suddenly showed up on my credit report. I kept everything current when I used the account and there is a {$0.00} balance. However, the old XXXX account is still open and somehow just suddenly showed up on my credit report which lowered my report 13 points even though there is a {$0.00} balance and no missed payments when I used the account years ago. If anything, I would think an account with {$0.00} balance and no negative information would up my score, not take it down 13 points.

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 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. XXXX  XXXX  is in violation of FCRA. and needs to report correctly.

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 2018-04-25
Company: Experian Information Solutions Inc.
State: TX
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 received a copy of my credit report and found the following item to be error. Here as follows are item in error : The following inquiry needs to be removed immediately : Creditor Name : XXXX Card Date- XX/XX/2017 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to my address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six 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 2017-06-21
Company: Experian Information Solutions Inc.
State: IA
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:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: AL
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2020-06-26
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX has promised via mail that they would report a XXXX ( {$0.00} ) balance to all credit bureaus concerning my previous XXXX XXXX account. This has not happen as of yet. I was a responsible consumer and have paid my obligation. Yet, I have been dealing with the problem for two ( 3 ) years with a lot of run around and no resolution. Please see supporting documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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: 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 im 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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XX/XX/2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.

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 2017-06-21
Company: JPMORGAN CHASE & CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Hello, back in XXXX I called Chase Auto Finance to settle the remaining balance on my XXXX XXXX XXXX. Before we proceeded with the call, I was told I was on a recorded line. I talked to the representative who was handling my file. All of my files had been transferred to their credit processing center. On a previous call the representative told my husband and I that Chase was willing to settle for half of the amount owned on my auto loan in exchange for the title of the vehicle. In XXXX I called to settle gave the representative my bank account info and the money was processed out of my checking account. I took more than 30 days to receive my title for my car. To make matters worst, I check my credit report Chase did not report that my account was settled/paid. It still shows me owning a balance, and they updated my report and re-aged my account!! This is not right nor is it fair! I called to speak with them about my situation and all I got was " I do n't handle that ''. I called Chase trying to at least settle what I could afford to move on. I 'm rebuilding my credit and having this on my credit reports hurts my chances of getting approved for any future products and services. I have attached my bank statement reflecting the payment to Chase Auto Finance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called my bank, Regions Bank, on XX/XX/2022 to inquire about an Auto loan with the representative there. The banker answered some general questions regarding current rates, used car mileage and year requirements etc. That was the extent of the interaction. I never applied for a loan with Regions bank because that weekend I ended up purchasing a car and financing through the dealer. A couple weeks later I received correspondence by mail that I had been denied for an auto loan. I checked my credit report and found that Regions bank had initiated a hard inquiry on my credit with no approval or application submitted by me. I called the bank to inquire about this and they have refused to provide a copy of the supposed loan application that was submitted because it was their banker that submitted information without my consent.

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 2021-09-24
Company: DISCOVER BANK
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
recieved a call from a man claiming to be from Discover Bank 's Fraud Detection Dept regarding two charges that were made on my account that they flagged as fraudulent due to the billing address that was used for these purchases being in a state that is across the country from where I live. I asked him to verify that he is from Discover and he told me to look at the back of my debit card and verify that the customer service phone number listed on my card is the same number that he was calling from. It was. The number that came up on caller ID when he called was XXXX which is the main customer service number for Discover Bank. He then told me that he wanted to cancel my existing debit card and have a replacement card expedited to me ASAP. He asked me for the last 8 digits of my card number, the exp date, security code and for the number on the card that starts with an X-. I was XXXX enough to believe him, and provided my card information. He then told me that ne needed to send me a one time code to verify my account ( which Discover ALWAYS does ). I got the text message and gave him the code ( without reading the entire text ). Then he asked me for my SSN and I immediately hung up and called Discover to report the call and report probable fraudulent activity. The text message that I received that included the verification code that I GAVE TO HIM read as follows : " Please enter code XXXXXX to use your Discover debit card in XXXX XXXXy. If you did not request this code, please call us at XXXX. '' How stupid am I for not even noticing that before I gave him the code. The guy proceeded to call me back 8 times, repeatedly while I was on the phone with the ACTUAL Discover fraud without leaving a voicemail once. I also called XXXX to have them remove my card from any payment activity through XXXX XXXX. I was sceptical about the call because I've never gotten a call like that from Discover before, but obviously not skeptical enough to not give him my bank account information without much hesitation. It's unnerving how legitimate this call seemed until he asked me for my full social... .but by that point, he had all of my checking account info. Don't fall for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I NEVER had a mortgage with Nationstar Mortgage LLC. NOR did I have any debt collection on my mortgage. I was in forbearance due to covid with XXXX XXXX XXXX XXXX and that loan was paid in full in XX/XX/22. This has negatively affected my credit report and is fraudulent. If I could I would like to press charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: IL
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:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX and XXXX XXXX, all non-account holding inquires such as XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I Have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX, IL XXXX ; have never worked at XXXX XXXX, XXXX XXXX XXXX XXXX. Account to be added 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 non-monetary relief
Consumer complaint received 2022-02-15
Company: Tower Loan of Mississippi, Inc.
State: AL
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:
Tower Loan keeps on reporting inaccurate information to the reporting agencies. This account has been closed since XXXX of 2020. I had a back injury and had back surgery. I had XXXX insurance with this company but they denied it saying they did not receive certain documents. This is one of the companies that sent this account over to an attorney office to collect in which they are. But they charged this account off in 2020 but still reporting it open on one bureau and charged off on the other which is a violation against FRCA.

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