BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-29
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, Our mortgage is in good standing and was recently transferred to a new provider. 
We requested specific information regarding our accounts PMI. We wanted to know what our monthly cost is and if it could be eliminated from our account due to our good standing and additional principle. In the event our account did not the correct debt ratio, We wanted to know how much additional principle would be required to eliminate PMI. We called to make this request and was told to contact the organization through their website. 
We contacted several times through the website, received a tracking number and an automated message stating we would hear back in 5 business days. this has been ongoing for 2 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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$43000.00}

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 2017-03-03
Company: PLANET HOME LENDING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PLANET HOME LENDING IS ATTEMPTING TO FORECLOSURE ON MY PROPERTY XX/XX/XXXX WITH AN ASSIGNMENTS THAT ROBO SIGNED. MY SECURITY DEED WAS RECORD WITH XXXX in XXXX.There is a gap in the chain of title.The assignments were created after the Corporations were dissolved. XXXX, and XXXX both signed as Vice President on the assignment dated XX/XX/XXXX both of them are well known robo signers, and the assignment that is recorded XX/XX/XXXX is also fraudulent with XXXX transferring alleged ownership to Planet Home Lending. Fraud is clearly present in the recording of the ownership.

Company response to consumer: Closed
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
send me copy of my credit report they dont let me login to any of the free accounts either

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 2022-08-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Around XXXX XXXX, XXXX tried to apply for a credit card to XXXX XXXX but I got denied and they sent me a letter stating that the reason for the denial is I have delinquent payments.I then checked online for my Credit report history and found out that someone opened a fraudulent accounts under my name.I tried to dispute it XXXX XXXX XXXX I called XXXX to ask them about the problem and the costumer service told me to report the problem to you guys. the amount of the outstanding balance from the fraudulent accounts are more or less {$40000.00} between the 2 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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 would like to file a Fair Credit Reporting violations report against this credit bureau. They continue to report a XXXX XXXX XXXX account on my credit report incorrectly. I brought this to there attention and up to this date they have not deleted it from my credit report of fixed the matter. On XX/XX/2021 I requested from this credit bureau there method of verification as it pertains to this account as this is my rights under the Fair Credit Reporting Act. Seven months have passed since I made that request and that method of verification has not been sent to me as yet. I am enclosing a copy of the letter that I sent them asking for such a request and a receipt from the post office showing that they got the request. The Fair Credit Reporting Act clearly states that a credit bureau has 15 days after they have received a request from a consumer for there method of verification for them to provide it to the consumer. 
Seven months have passed and I have not gotten the method of verification and this is a clear Fair Credit Reporting Act violation for which I can seek damages for in the court of law. The Fair Credit reporting Act states that if the credit bureau is unable to furnish the item requested then this account should be deleted from my credit report. 
I am therefore asking you to delete XXXX  XXXX XXXX from my account due to the continued reporting of incorrect information on my credit report and for not providing me with your method of verification which is a Fair Credit Reporting Act violations. Kindly delete XXXX  XXXX XXXX from my account immediately please.

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 2022-02-23
Company: Credit Bureau of Jamestown, 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: Account status incorrect

Complaint:
The account is reported wrong on my credit report. It should not be in collections as it was paid to 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 2020-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
it's Incorrect Information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My underage son sent a payment to a person of {$410.00}. Made a couple calls to the bank but they said they cant do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
One of my accounts with Sallie Mae, before it was sold has been incorrect information. I have repeatedly tried to get them to correct this issue. 

It shows me as not having paid, when I was supposed to be under forbearance. It looks like they applied it to one of my loans, but it was supposed to be for both. 

At the time I was unemployed and trying to straighten this out with them. Every person I talked to told me something different. Since they were becoming navient ... they seemed to stop being reachable and no one cared to help correct the problem. I tried multiple times to contact them. Once I thought things were ok, I 'd call and get different information from someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: VI
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:
send me copy of my credit report they dont let me login to any of the free accounts either

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
15 U.S.C. 1681 Section 602A 15 U.S.C. 1681 Section 604A XXXX XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance XXXX XX/XX/XXXX, XXXX {$380.00} Original balance- {$380.00} Account info-Account number XXXX Date openeXXXXy XXXX, XXXX Account type-Collection Status-assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1000.00} Account info-Account number XXXX Date opened-Mar XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX {$14000.00} Account XXXX Account XXXX Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit grantor 's internal collection department XXXXXXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$420.00} Account info Account XXXX Account status-Closed Date opened-XXXX XXXXXXXX, XXXX Account type-Credit Card XXXX Account XXXX Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card XXXX XXXX XXXX  Balance on XX/XX/XXXX, XXXX {$650.00} Account info Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX XXXX Balance on XX/XX/XXXX, XXXX {$7500.00} Account info Account XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX XXXX/XXXX  Balance on XX/XX/XXXX XXXX XXXX {$400.00} Account info Account XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card

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 2016-09-14
Company: URS Holding, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Recently, My vehicle was repossessed by XXXX XXXX. Unfortunately due to my wife 's health issue, I was not able to make the payments. It was around XX/XX/XXXX that I began to receive calls from All-tran Financial of which they described that there was a deficiency balance of $ XXXX+. After speaking to XXXX, and after she had called my references, and had also left me several voice mails ; I told her that I could not make the payments, and that I would need for her to send me any and all invoices to my home address, and to please NOT call me anymore. I explained that due to my wife 's health I could not make any payments, and could not afford to make any type of agreement. After being put on hold for several minutes, I was transferred to a supervisor by the name of XXXX. Once XXXX XXXX got on the line with me he became very irate, raise his voice, and demanded that I give him personal reasons as to why I could not make any payments. I explained that I could not disclose any more personal information and that I had already shared the information with the previous representative. After going back and forth with him ; he refused to accept my explanation, and kept on antagonizing the conversation. Not having the time to speak to XXXX XXXX much more, nor being able to explain further ; I told XXXX XXXX that I could not speak to him and that I would disconnect. I am reporting this incident as I feel that I have been harassed ( as described in section XXXX of the online version of the rules for being harassed with collection calls ). 

I am formally requesting to have an investigation opened as I feel that Alltran Financial is not conducting professional collection practices. 
Thank you.

Company response to consumer: Closed
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report 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 2022-08-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$460.00}

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 2020-09-29
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is from XXXX XXXX that claims I took a student loan out with them back in XXXX. I have never done business with XXXX XXXX after closing my account in XXXX. This is a revolving issue that gets sent from debt collector to debt collector. The debt is not mine, nor has any ever provided any information that shows the debt is mine and is a real debt owed by me.

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 2016-04-24
Company: Focus Holding Company
State: SC
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:
I suspended XXXX ... now XXXX service billed at my father 's house untill futher notice/ my authorization to return cable service. XXXX XXXX proceeded to turn on the service without authorization and while no one was living in the residence.. The charge was tranferred to me as the personal representative for his estate. 

I am being negatively impacted by a company called FOCUS RECEIVABLES MGMT LLC. They filed negative and false info affecting my credit score and purchasing power. 

Is ther any thing can do to fight this BOGUS claim?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: FIFTH THIRD FINANCIAL CORPORATION
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was trying to get a mortgage loan through Fifth Third Bank with XXXX XXXX. I asked to get a loan estimate, and hesaid he could not issue the loan estimate until he received my application, other documents he sent me, and submitted the application to processing. Once those were submitted, he could mail me a loan estimate within 6 days. Per TRID, he is required to send me an loan estimate within 3 days of receiving my name, income, SSN, property address, estimated property value ( SEV ), and the loan amount sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: DISCOVER BANK
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I got an email from Discover Card that said my credit line increased to XXXX ( from I beleive XXXX ), but it also stipulated that my account would canceled if I did n't use the card by XXXX 2016 ... just three months from the email date ... because I have n't used the card for a few months and it has a XXXX balance. So they do they something to improve my credit by increasing the limit and then threaten to cancel that credit if I do n't use it. That 's a form of extortion. I saved the email and can send it to you.

Company response to consumer: Closed with explanation