BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have had a card with XXXX  XXXX for a while and they are misreporting delinquincy on my XXXX  XXXX XXXX  and XXXX XXXX. I have tried to dispute it and they will not take it off.

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 2020-04-10
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank is crazy unbelievable I hate them the way they are to me is horrible they should be out of business everything sucks when I apply for their credit card more than once they decline me send me a letter with only one reason which doesnt make sense when I call to go over this reason they either dont answer or dont want to speak with me Ive waited over 90 days to reapply because thats how bad I want the credit card rewards with them but they turn me down and I dont feel this is fair their credit department treats me awful I feel discriminated

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 2022-09-14
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: Old information reappears or never goes away

Complaint:
I am disputing the accuracy of this account on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account keeps getting ownership changes from one collection company to another. They are playing games with the dates opened, which is violation of the FDCPA. I have disputed the accuracy of this account before under different collection agencies. They have apparently sold this account and changed the open date to a more recent date this year. This is a violation, and confirms that they have no other interest other than to harm me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: CA
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:
FILED MORE THAN FOUR DISPUTES WITH EXPERIAN ON XXXX/XXXX/XXXX RECEIVED MY 4TH REPORT NUMBER # XXXX AND EXPERIAN SPECIAL SERVICES PUT MY ACCOUNT XXXX INTO DISPUTE FOR THE 4TH TIME REPRESENTATIVE SAID MY DOCUMENTS WERE NOT SUFFICIENT, THIS DISPUTE IS A CHATER 7 FILING WHICH I NEVER FILED BANKRUPTCY I HAVE NO ACCOUNTS ON MY FILE IN BANKRUPTCY RECEIVED A LETTER FROM FEDERAL BANKRUPTCY COURT TO REMOVE THIS DISPUTE EXPERIAN SPECIAL SERVICES USES A THIRD PARTY VENDOR TO VERIFY THERE PUBLIC RECORD 'S WHICH IS XXXX XXXX I CALLED THEM THEY HAD NO INFORMATION, FILED A POLICE REPORT AND FOLLOWED ALL THE GUIDE LINE 'S ACCORDING FCRA, FILED A IDENITY THEFT REPORT WITH FEDERAL TRADE COMMISSION AND EXPERIAN WILL ONLY RE DISPUTE MY MY CLAIM..

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 2020-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, CFPB. I am writing because I need your help. 

Back onXX/XX/XXXX I tried to fix this issue with Wells Fargo, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. 

This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Wells Fargo Account # XXXX, Opened Date XX/XX/XXXX, XXXXClosed Date XX/XX/XXXX, XXXX/Balance {$0.00}. 

Please send the attached documents to XXXX XXXX 

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 explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/20 & XX/XX/20 I wrote Transunion a dispute letter on items reporting inaccurately on my credit report. They in turn wrote back on XX/XX/20 that items were verified correctly. I know my rights as a consumer so I in turn wrote another letter on XX/XX/20 asking for their method of verification. On XX/XX/20 Transunion wrote back that a third party is insisting me and will not pretty much respond to my inquiry. This is baffling because I am a consumer and know my FCRA rights, now I am writing to put in a formal complaint as they are in violation for completimg my dispute and using a stall tactic.

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 2022-05-06
Company: ProCollect, Inc.
State: LA
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:
This is my second time filing a complaint with Pro Collection, they promised to send me all original documents that I supposedly, signed with my original signature, and my consent to release my personal private information that was shared to Pro Collection then they shared it with XXXX different people, I never signed anything to give them the right to share my information, that is also a violation of THE HIPAA LAW. My next Complaint will be to the Attorney General. I have not yet received any of these Documents. All information is incorrect and they shared it anyway.

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 2019-02-17
Company: Experian Information Solutions Inc.
State: CO
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 have filed 2 police reports for identity theft and they have proof and security freezes on my credit. I sent letters advising there are unauthorized and fraudulent credit inquiries on my credit and they refuse to remove these. I can't access my credit when I request credit but EVERYONE else can. I put that any inquiry needs to contact me at my number on file yet they did not and gained access to my credit. They sent me notification they received my disputes but refuse to remove them. And its negatively affecting my credit score and credit report. I'm requesting all inquiries be removed from. 2017 to now unless I have an open account with a company listed 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 explanation
Consumer complaint received 2016-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was recently stolen and the fraudsters have attempted to use my identity to open a number of credit accounts with retail establishments such as Macys, XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc.

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 2022-10-08
Company: Supreme Lending
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I sent a email to Supreme Lending loan servicing, in regards to escrow shortage. I asked for 24 months to pay off shortage. I was told that the 24 months was granted but it would only lower my payment by XXXX dollars. So I decided to look into my account online and notice that my taxes did not match what I actually had receive from the state of Arizona. So I look up the tax records for the past 5 years and email them to Supreme Lending. I also email my XXXXXXXX XXXX tax bill, because their numbers were wrong also. Due to all of the mistakes that Supreme Lending is making it is and has cost me more money. I decided to pay off shortage and have escrow account removed. My first attempt to pay off shortage was XX/XX/2022, I paid what they said I owed. So I sent another email on XX/XX/2022 asking to remove shortage. On XX/XX/2022, I received a response saying, I do not meet XXXX and Escrow balance is $ XXXX. So I called and paid the XXXX and verbally asked to have escrow removed. I have researched this and found that I do not have a HPML loan. So why are Supreme Lending trying to force those rules on me? And even under those rules my true LTV is under 80 % .I even sent the page in my closing disclosure that says I can remove escrow. I add some screen shots of my online account, when you look at year to date Information in the screen shot, you can see that it says I paid XXXX in taxes but my taxes are not that high. My taxes are XXXX. I feel that it is in my own best interest to pay my taxes and insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was first made aware that I had an outstanding debt with " mrs BPO '' entity when it first appeared as a derogatory entry reflecting an outstanding debt of {$830.00} ; and after extensive research and number out calls I was made aware that this is an entity owned by and/or affiliated with XXXX XXXX XXXX. I then called XXXX approximately 8-10+ times over a period of 4 weeks, with each call having spent in excess of 30-90 minutes per call ; each time ending the call with a different promise from each representative that I spoke to confirming that they would be researching the debt, and getting back to me with a resolution. Despite these promises on numerous, separate accounts, I never received any follow up- by phone, email not by US mail to validate the debt. The only information that I was given during one of my initial calls with XXXX was that their claim appears to reflect an amount outstanding for equipment that was not turned in following the termination of my cable contract with them dating back to 2011 ; to which I made it clear that I was 100 % certain that I did in fact turn my equipment in at the earlier date to which they were referring. My issue with them notwithstanding their dishonestly and lack of cocern and follow up ; was that I wqs Never informed by any Means ( phone email not US mail ) of this alleged debt, and the first instance was almost 5 years following the date of their claim on debt, never once by the entity themselves ( XXXX or under the Alias mrs BPO ) ; but only on the instance in my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX - XXXX - XXXX - Goldman Sachs My original loan ( re-fi ) was processed by a lender that had no license, in a bar with no notary present. The Mortgage Broker had no license - his Broker lied and said he did the loan - I never met the man. The Illinois XXXX XXXX of Banks and Real Estate said the Managing Broker of this Company will never have another license in Illinois without answering to this complaint. He is now doing reverse mortgage in Florida last time I checked. The person who did my loan has a cease and desist order against him in Illinois for other financial deals. 
My loan had a pre-payment penalty addendum - I asked the Lender over and over - no pre-payment penalty correct? Yes, he answered over and over - HE FORGED MY NAME. - The very Document they are sueing me with is a forgery. 
My lender told me my taxes and insurance were included with my payments - I circled the language during my signing of the papers - TAXES AND INSURANCE WERE NOT included in my payment of {$1200.00} per month. I paid more than {$26000.00} to get, my mortgage out of foreclosure. I was told by the Attorney representing the Mortgage Company it would be illegal to take my check if it was not every penny I owed to get my mortgage up to date and out of foreclosure. They took my check - the Judge dismissed my suit. 
One month later the Mortgage company sent me a notice that my account was still in arrears more than {$8000.00} - surely there must be a mistake as this is illegal, right? 
My mortgage increased from {$1200.00} per month to more than {$2600.00} per month. I paid the mortgage as long as I could hoping to get this straightened out. 
In 2010 I received a trial modification - 3 months which I paid successfully - and was denied a permanent modification - as the " INVESTOR '' did not approve. 

I NEED a permanent modification to save my home! I was told today by XXXX 's Representative I {$50000.00} payment would need to be made to obtain a modification. I see that XXXX is not on the list of HAMP/HARP Servicers - but the Owner is Goldman Sachs as I understand it as it has been for quite some time. Transferred to another servicer owned by Goldman Sachs. 
I am on my XXXX Attorney to fight this loan - and each time the Attorneys say I have a case. XXXX Mortgage is getting very close to getting a judgement against me as my Attorney is XXXX and seems to have given up. I need help getting a loan modification and help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the fair credit reporting act XXXX  accounts- XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Has violated my rights 15 usc 1681 section 602 A states i have a right to privacy. And also 15 usc 1681 604 A section 2 also states a consumer resporting Agency can not furnish a account with out my written permission.

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 2022-09-15
Company: RevMD Partners, LLC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to an XXXX facility for a pre authorized procedure. Once the facility obtained the pre authorization, I was told that my bill would be a stated amount, which I paid. I received a bill for {$1000.00} from revmd stating that I owe them {$1000.00} because the procedure was not covered by my insurance. I tried to call them several times and XXXX, their collection company. They arent answering their phones within business hours. I have been unable to get this resolved

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX Change of Address Letter TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my addresses to : Please update my name to : My only social security number is : My only and correct date of birth is : My only employers is : I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, 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 2022-05-06
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FCRA The term " investigative consumer report '' means a consumer report or period thereof in which information on a consumer 's 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. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts XXXX  # XXXX XXXX/XXXX  # XXXX XXXX/XXXX  # XXXX XXXX/XXXX # XXXX XXXX XXXX  # XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX DEPTEDXXXX  # 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 2016-04-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In 2010 I applied for the XXXX XXXX XXXX XXXX XXXX. I received a letter for approval indicating that all loans eligible for the program would be transferred to FedLoan Servicing and the others went to XXXX XXXX. I paid on these loans for 5 years only to be told last year that only XXXX of my loans ( out of XXXX ) with Fed Loan Servicing qualifies for the program. This is in direct contradiction of the initial approval letter. I do n't have XXXX special loan, all my loans fall into XXXX of XXXX categories so this makes no sense to me. Of course it is the smallest loan that only qualifies. Up until this point all loans where on the same repayment schedule/had the same due date. Now this loan has been separated out and has a different due date. I was told I can consolidate the loans, double my interest rate and then all loans would qualify for the program. I do n't understand why this just came up last year, why the loans where transferred to them if they do n't qualify and now 5 years of payments mean nothing. I would have to pay on the loans for a total of 15 years as opposed to 10 years thus never obtaining the benefit of the program. Why did they ever end up with my loans if they did n't qualify? I smell a rat and I do n't like it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Credit Karma, LLC
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 'm a victim of ID theft recently. It puzzled me that the ID thefts were targeting specifically all creditors/accounts we have or had business with. They tried to change contact information, requested replacement cards and tried to open new accounts. I saw in my credit report yesterday an inquiry from Credit Karma from about 2 weeks ago just when all that started to happen to us ( my wife as well ). So, we tried to open Credit Karma accounts for ourselves yesterday just to find out that the ID thefts have done that already with our SSN, DOB, and other information to pass the security questions and therefore we can not open accounts ( accounts are linked to email addresses provided and based on the error messages and email address fragments they are not ours. We do know the fraudulent email addresses used from creditors informing us about fraudulent account opening attempts ). And with accounts in Credit Karma they have free access not only to our credit scores and score monitoring, they also have free access to our credit reports from XXXX and XXXX and with that they have ALL the information needed to pass any kind of security or verification questions to get more reports, open account, or worse could possibly lock us out of our own credit reports. Unfortunately, Credit Karma does not have a phone number listed at all so one could talk to a live person to address this fraudulent issue. They only have an email request portal and we are waiting to hear back from them ( per other user feedback, they are not very good at getting back at people ). And, we have been waiting for 2 weeks now for our local PD to write an ID theft report so that we could take action to place an extended fraud alert or security freeze - can we actually place both? So, at the moment, we are sitting ducks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company never sent letter to advise me of this supposed debt. I found out about this from pulling a copy of my credit report ( s ). 

I have never heard of or have done business with the original creditor as stated on my credit report ( s ) by this collection agency. 

I have attempted to obtain information on the original creditor and it appears to be a " Pay Day Loan '' type of business. I have never needed or used the services of a Pay Day Loan or Cash Advance type of company. 

This debt is absurd.

Company response to consumer: Closed with explanation