BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
The vehicle in question was having serious mechanical issues 3 months after I got it. I took it to their only " authorized '' repair shop and they had it for a month and had other from other stores come and look at it as well and they stated that it could not be fixed. They rebuilt the engine and said that the problem of gas shooting out of the tailpipe was a serious issue and they could not figure out what was causing it or how to repair it. Since the car was not drivable and they gave up and no longer would continue to work on finding the issue, that there was nothing that could be done. It was repossessed from the repair place and my request. However, I am not liable for this money that was owed on the loan because it could not be repaired into a drivable condition by the only repair place that they would allow me to take it to. This needs to be removed off my credit reports because I am not liable for this loan any longer.

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 2020-02-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
MY INFO WAS USED TO APPLY FOR ACCOUNTS WITHOUT ME KNOWING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
MY INFO WAS USED TO APPLY FOR ACCOUNTS WITHOUT ME KNOWING

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 2018-12-19
Company: EQUIFAX, INC.
State: NY
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:
# XXXX account this account is NOT mine! I have contacted Equifax over 10 times to fix this account that isn't mine. They show no proof of where they verify this. I have even sent them proof of my investigation to this said company and got a response saying that they do NOT have such account for me. So Equifax needs to delete this asap! This is called defamation of character & fraud keeping a account on my report that isn't mine! I want a supervisor to contact me concerning this or I will be filing this in small claims court as my right to fight for this inaccurate information that they have been reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 noticed that TRANSUNION is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with TRANSUNION but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : 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 2020-02-13
Company: BSI Financial Holdings, Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer changed from XXXX to BSI Mortgage. I was making my mortgage payments to XXXX mortgage and the mortgage was current. Servicer changed to BSI Mortgage.Mortgage payments that XXXX retained in their possession for XXXX and XXXX and was never forwarded from XXXX to BSI. I have spoken with XXXX and BSI several times on this matter. BSI states they never received my mortgage payments from XXXX. BSI is charging inspection fees and interest for payments that I have already paid. The fees are excessive and is causing my mortgage to go in default. I have spoken with BSI several times and emailed them copies of my bank statements reflecting the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: MI
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've disputed with Experian three times regarding XXXX XXXX XXXX account number XXXX regarding payment history. They're reinvestigation remain unchanged from our processing of your dispute in XXXX of XXXXthe company that reported the information has certified to Experian that the information is accurate. Experian mailed me the results and once again the payment history is inaccurate incomplete an unverified. A proper investigation obviously has not been conducted, Experian continues to violate federal law the FCRA is very clear that any inaccurate unverified incomplete information must be removed. I will submit the documentation proving that Experian is still reporting inaccurate unverified information. Which they say is accurate.

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 2017-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
open new checking account XXXX and it showed bank america never resolved claim and took all my money on accounts I closed before 3 years ago and now they have no one to help me and yet they placed all below information on my current account THEY NEVER RESOLVED AND GOT AWAY WITH THESE MY ATTORNEYS INTERESTED IN A LAWSUIT IF NOT CLOSE AND MONEY RETURNED IMMEDATELY HAVE ONLY 5 DAYS BEFORE LAWSUIT.
Current status : Researching Claim - your information was received & we are reviewing Help for Researching Claim - your information was received & we are reviewing layer Claim ID : XXXX Claim amount : {$1800.00} Initiation date : XX/XX/2014 Features Paperless claim documents : Enroll in Paperless claims documents Alerts : Edit Settings for Alerts Claim received stage is completeClaim started stage is completeClaim in research stage is active Claim closed stage is pending

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 monetary relief
Consumer complaint received 2022-07-13
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a PSLF employment certification to my ( XXXX XXXX ) student loan servicer on XX/XX/22. I saw my HR representative at my former position sign the paperwork. 

However, my servicer has determined that the paperwork was " digitally '' signed. That's just false. I asked them to correct their mistake but on XX/XX/22, they refused to do so. 

Now because of this false determination, I have to reach back out to an old employer to get the same form signed. It is absolutely absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I am writing because I have tried on numerous occasions to contact equifax to have them remove this delinquency from my credit report the account is paid in full but it still appears on my credit report as a derogatory mark making my credit score super low please remove this from my report it is causing me not be able to get apartments and other important financial instruments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OH
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:
Today it was announced Equifax announced a massive security breach which compromised over a million accounts. To find out if I am part of the compromised, I have to surrender my ability to take action against them. No.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Sound Collection Services
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was originally by XXXX XXXX XXXX but sold to XXXX XXXX XXXX it has an amount balance of {$2100.00} which I do owe and under the fair debt law this is illegal so I would have the results of removal from my XXXX and XXXX credit report it would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have recently been diagnosed with a XXXX. I can still work most of the time but at times it causes me to have to not work. Im taking cate of my XXXX XXXX XXXX mother with XXXX and her home. We became behind on our mortgage. I applied for assistance. Our company is SPS Servicing out of Utah. Our original payment was {$1400.00}. They approved us for a repayment plan instead of a modification since we had gotten one some time back. The payment they approved us for was {$2800.00}!! If I struggled with {$1400.00} how can I do {$2800.00}? So their letter says you have the right to appeal within 30 days. I called my relationship manager who said to go ahead and appeal. Never did she tell me, nor is it in the letter that if you appeal they will VOID the option you were approved for. So now Im looking at a foreclosure when all I was trying to do was get the payment a little lower. Can your help me? I have read so many negative articles about this company. We dont have good credit so I dont know if thats why we have to deal with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Cascade Capital, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  XXXX  they trying to collect 2 old account? Each one for XXXX $ For total XXXX I always explain thats was identity thief Im tired to explain my self to this company they take off account or get another Company and bring it back to me credit. Im not going to pay this I never get any service with them or any other company they need to leave my credit and me alone is upset me all the time they doing the same I dont receive any service from XXXX XXXX  or XXXX XXXX  back in the day! Please take it down of my credit always I send police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to get anybody from the credit reporting agencies on the phone. I wanted to check to see if I had a freeze before I applied for a new credit account. Their website tells me to call. Once I call I get placed into a sales call where they try to sell me stuff for 5 minutes and then get disconnected. I honestly can't believe these companies are the gate keepers for our credit worthiness.. 

1 ) I have no other options since they have all the market share 2 ) they have no customer service and anybody available to answer questions 3 ) Their automated systems are buggy and bounce me around

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: CL Holdings LLC
State: VA
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 filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX ) ATTACHED LETTER NOTE : This account had been deleted off my credit report in by XXXX XXXXXXXX. 
2 ) XXXX XXXX ( XXXX XXXX XXXX XXXX ) ATTACHED LETTER This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. 

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: HEAD MERCANTILE CO., INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection company has violated a lot of serious laws. They have admitted that they did not have my correct address in the previous complaint which was an inaccuracy and per FCRA section 609 any inaccurate information must be deleted. They continued to violated FCRA, they have sent me my medical bills without showing VALIDATION instead they sent verification. They also sent my medical information through email unsecured and sending my health information which is a HIPAA violation. I have contacted my state attorney and they have advised me to work this out with the company before they step into legal action. I will give them another chance to delete their negative reporting and send it back to the original creditor because I have never gotten a notice to validate before they put this negative reporting on my credit and it is affecting me in getting credit. I will proceed with a Hipaa complaint through HHS if it is not resolved, the original creditor never got a signature to release my personal health information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've been struggling to pay off this Student loan for over 15 years now with Navient back then was Sallie Mae kept increasing balances with Forbearance and deferments. I was unable to include my student loan in my recent bankruptcy case and I am still having to make payments for this loan. The school I originally attended has since closed it's doors and lost all accreditation. My diploma is technically invalid and I am still stuck with this Navient debt. Need professional help to clear debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to get anybody from the credit reporting agencies on the phone. I wanted to check to see if I had a freeze before I applied for a new credit account. Their website tells me to call. Once I call I get placed into a sales call where they try to sell me stuff for 5 minutes and then get disconnected. I honestly can't believe these companies are the gate keepers for our credit worthiness..

1 ) I have no other options since they have all the market share 2 ) they have no customer service and anybody available to answer questions 3 ) Their automated systems are buggy and bounce me around

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 2020-02-13
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: Account status incorrect

Complaint:
After my chapter XXXX discharge, Transunion is incorrectly reporting accounts that have been discharged, as derogatory witch results in a double negative and a much lower score than the other 2 credit bureau. I have tried to dispute, and they still misreport. Accounts should be listed as closed, included in bankruptcy chapter 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