BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Experian Information Solutions 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:
This is just ridiculous! Despite the multiple dispute letters and CFPB complaints that I have been sibmitting to the Credit reporting Agncies, the Credit Bureaus do not seem to give a XXXX about my Credit file! How many dispute letters and CFPB Complaints do I have to send to the Credit reporting Agencies for them to finally remove the disputed items completely from my Credit Report? I have been informing the Credit bureaus that I have been a victim of identity theft and that the items I am disputing were the results of such crime and I needed them removed from my Credit report! I have also been asking that the Credit Bureaus provide me copies of proof of verification from their investigation, that if the Credit Bureaus really did conducted an investigation. Under the Fair Credit Reporting Act section 605b, the following fraudulent accounts must be removed as soon as possible from my Credit File : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. The Credit Bureaus have been failing me lately and it will be not a big surprise if they would still not comply with the requests and continue their erroneous reporting. But if the Credit Bureaus would remove the disputed items, I will be truly greatful.

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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX I was offered a student loan in the amount of XXXX while attending XXXX XXXX XXXX. while I was making payment on the loan my income tax was intercepted to pay off the loan. I had never heard from the XXXX since until XXXX when I called them to find out why I was denied financial aid. they could not find a reason. some XXXX took all my info and said they will call me back in few weeks. After about 6 weeks I called back with not success until later I received a notice that I owe $ XXXX they want to garnish 15 % of my income. I requested a hearing which they denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I contacted this credit bureau XX/XX/2016. I disputed regarding a company called XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was the alleged original creditor. They were removed from my credit report. XXXX XXXX XXXX has not responded to my certified mail request for verification. The original creditor , XXXX XXXX, did not respond to my request for information and it has now disappeared from my credit report. I followed the protocol according to what the bureau put in writing. The sound of crickets is the response from the original creditor and collection company. They have not provided written documentation of how they obtain ownership or assignment from XXXX XXXX. XXXX XXXX XXXX has gone from being a disputed company to outright unethical or even outside the lines of compliance with consumer rights. I thought this was deleted from my credit report in the past. This collection company has now appeared on my credit report with a new account number, new total that is {$2500.00} more, new interest being charged, and now seemingly appearing as a newer past due history which lacks any information regarding the payment status from the date they are claiming as the reported date. I wrote to the credit bureau by certified mail. What has the bureau done? They have just continued to update incorrect information. There is nothing stating this is disputed. There is nothing provided to me showing how this is my debt. I have asked several times for this removal from my credit report. I thought the credit bureau was suppose to report accurate information. If they are obtaining new information from XXXX XXXX XXXX, I want to know what is it? I checked this past summer and as late as XX/XX/2016 on California 's Secretary of State 's web site for business entities XXXX XXXX XXXX is listed as a dissolved entity. How can the collection agency obtain any recent information from the original credit when the original creditor is no longer a registered entity in the State of California? Is this credit bureau going to continue to ignore that the collection company is not abiding by credit laws by charging interest? How can a debt that was disputed at a little more than {$4500.00} turn into {$7000.00} with a new account number not be reporting false information?

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 2015-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got my annual free credit check and when I look on there I seen XXXX address that are not mine, also it was a name that I did n't recognize on my credit check too, I would to investigate any fraud accounts in my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-10-28
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XX/XX/2022 I was accepted and began classes at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I apllied to have my loan deferred with Navient. I submitted for the deferment. I was denied. I was not given a explanation and received no correspondence regarding the denial and now my crdeit is ruined. I still need to have a deferment until my schooling is complete. I am attaching the form that I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This listing is incorrect. I once owned a business that was called XXXX XXXX. This business was sold and there was never a Bankruptcy filed by me. I do not have a bankruptcy listed to me and there was never any debt discharged. Please look at the total amount it is XXXX ( XXXX ). This listing is erroneous and I want to have TransUnion confirm this listing as it is old and I had it cleared up. They refuse to reconfirm that this listing is indeed still listed and that it is mine. TransUnion has a reputation for being the worst reporting agency because they refuse to follow legal protocol regarding credit reporting. 

This listing is not correct and it is not listed with any of the other reporting agencies. It is affecting my credit score and jeopardizing my ability to qualify for a mortgage loan. I really appreciate your services and help to the consumer. Thank you, 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 2022-10-28
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2022-10-28
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-13
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my individual portion prior to XXXX in 2XXXX, and have proof of this attached. Fast-forward XXXX XXXX years later, I am just receiving a first statement from a company collecting debt on behalf of the physician, XXXX XXXX XXXX and a XXXX center that has gone under, and is no longer in business. I spoke with the debt collection company to let them know that this was not my debt and that my portion was paid in full prior to XXXX. My insurance company also pay their portion, {$47000.00}. I spoke with XXXX XXXX office and received confirmation from his practice manager that I owed XXXX dollars. I am tired of the harassing letters and a threat to impact my credit with this false debt.

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 2017-08-23
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Concerning the " closing '' of a Loan Modification ; client signed a Loan Modification contract in XX/XX/XXXX. Client felt that the transaction was over. In XX/XX/XXXX the mortgage servicer " Round Point '' added a balloon payment at the maturity of the loan. Client was unaware of a balloon when the " Loan Modification '' was signed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC bank came to my place of work and recruited us to open checking accounts and savings account and promised us XXXX will be added to my account after XXXX direct deposits this never happened i have a contract they signed and now they are changing their story and now they have a collections company calling me after all their late fees and lies please help thankyou XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; According to FCRASection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-12
Company: EQUIFAX, INC.
State: WI
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:
Reporting Inaccurate information on my account ( wrong Balances ) on my status on file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRASection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MS
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: IL
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:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac refuses to accept fault for having my home ins cancelled and due to their deceptive behavior they added force placed ins to my loan! Im attaching screenshots of what my ins sent to them, this is the same ins policy Ive had for years!!!!! I have also asked them to contact me via email as I work when when they are open and they have refused to answer me via their secure channels! Oh they also claim they didnt pay my ins bc a primary name is listed however Im listed in the binder that was sent to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
we started a loan modification, signed the paperwork back in XX/XX/2022. The loan has still not been updated, going on 6 months now. The payments I have been making since XXXX have not been applied to my mortgage balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I paid XXXX collection accounts that appeared on my credit report. XXXX of the accounts was promptly removed from my credit report the other XXXX-Trans Union is stating will remain for XXXX years. I am going through a mortgage process and this is preventing my approval. Even though its been paid, they are refusing to remove it from my report. I have letters of satisfaction stating paid, they told me to fax it over to them. I attempted to fax-and it was unable to go through. They kept telling me that the creditor has to give them APPROVAL to have the debt removed. I called both creditors, 1 ) the XXXX XXXX XXXX XXXX, they said it takes 60 days for the time the payment is received and when it will be removed. 2 ) Escallate, the removal had to be approved by the Vice President of the company. Either way, the debt has been paid, it should be 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 explanation
Consumer complaint received 2016-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am not now, nor have I ever been, known as " XXXX XXXX. XXXX. '' Also, I am not now, nor have I ever been, known as " XXXX XXXX. XXXX. '' My name is " XXXX XXXX XXXX XXXX XXXX. '' Please eliminate these false names. 

Also, thee accounts with # XXXX XXXX with the Department of Education/XXXX are now discharged by the Department of Education and should read XXXX balance, paid in full. 

Similarly, the account with Department of Justice/Child Support, # XXXX, is closed, paid in full, and should no longer be reporting. 

Finally, the account with XXXX, # XXXX, has been discharged by the Department of Education and should read XXXX balance, paid in full. Please correct this. 

Please also report my spouse as " XXXX. '' Finally, the city of my former employer, the XXXX XXXX XXXX, is " XXXX, '' Virginia, not " 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