BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
TransUnion finally removed the disconnected/de-activated phone number that had been assigned to someone else 2 years ago. A last name that was changed by court order and no longer legal to use was also removed. 

But TransUnion continues to report the student loan that was approved for XXXX Discharge on XX/XX/XXXX as a consumer dispute. The correct status for the loan is DISCHARGED. Furthermore, due to fraudulent signatories and attempts to apply for federal Stafford loans using my identity, XXXX, XXXX  and XXXX removed the student loan from their respective credit reports. The loan was removed due to massive fraud as part of the entire student loan portfolio, even though the loan discharged because of XXXX per se is a legitimate loan. 

As of XX/XX/XXXX, this student loan is no longer subject to monitoring by the U.S.  Department of Education or its loan servicer, XXXX. Since I met the criteria for XXXX  XXXX, the loan was officially DISCHARGED. This is the final action on this loan. The loan is inactive and will never again be open for terms or re-negotiation. Continued requests for updates on the loan violates my rights under the Fair Credit Reporting Act and the XXXX  XXXX   XXXX XXXX. TransUnion arbitrarily tries to force a different decision on the loan that leaves me open to more fraud or incorrectly reports the loan in the negative when I met all of the requirements for permanent discharge on the loan. Once again, the correct status is DISCHARGED and this loan is no longer subject to any further monitoring by the U.S. government. 

Additionally, TransUnion removed the Extended Fraud Alert and replaced it with an Initial Fraud Alert. TransUnion removed the permanent opt-out of all credit offers. TransUnion also removed the credit freeze. 

All of the other credit reporting agencies removed the discharged student loan, added an Extended Fraud Alert, added a credit freeze and added a permanent opt-out of all credit offers. XXXX, XXXX  and XXXX have correct credit reports.

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 2020-09-26
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was open on XX/XX/2018 This account was reported as unpaid medical {$110.00} I don ' have contact information I would like to know what services I had to accrue the amount of {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted 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 2016-09-09
Company: Pendrick Capital Partners Holding, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I found this debt collector on my credit reports through a credit monitoring service I recently signed up for. They just reported an account in the amount of {$52.00} in XX/XX/2016 as well as an older account, neither of which I have received any information about or had any prior knowledge of. The new reporting is particularly a problem due to the fact that I disputed the older one through the bureau in XX/XX/2016 and then this new one pops up on my report as well, even though they presumably had means/info to contact me especially about any new debt to come up after a dispute for an old one, but failed to do so. The first I 'm hearing of this is when I see it on my credit report. I do not know what it is, nor has it been validated for me nor have I been given the chance to request validation. If they would have contacted me the right way, they would have been paid, thus keeping it off my credit report. The CR says open date of XX/XX/2016 and report date of XX/XX/2016, so when between that time have they bothered to contact me? Seems like they just started reporting quickly in hopes that I would discover it and be shocked into paying it versus going about it the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was open on XX/XX/2018 Account was reported as unpaid medical {$120.00} I have no contact information I would like to know what services I had to accrue the amount of {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
OCWEN HAS ENGAGED IN CONTINUOUS PREDATORY PRACTICES, intentionally to avoid assisting me/ a borrower, in resolving the toxic, bad loan STILL plaguing me from pre-2008 meltdown/ bad debt. They have EVERY time sabotaged ( I have proof ) the process to avoid ANY RESOLUTION to the toxic loan I am still saddled with. For over 1.5 years I have attempted a conventional refinance, a HARP refinance, a modification, and a short sale among other attempts to resolve. OCWEN BURIES the process and SABOTAGES it : Hiding behind bureaucracy so egregiously that the applications expire, and/or documentation expires, creating the continuous requirement of new documentation and notifications of FURTHER DOCUMENTATION REQUIRED, EVENTUALLY REQUIRING US TO APPLY FROM THE START ALL OVER AGAIN, AND THE SABOTAGE CIRCULARLY CONTINUES AD INFINITUM. 
ALL-ALL-ALL LEADING TO " DECLINING THE APPLICATION '' AND NO RESOLUTION. 
OCWEN IS PREDATORY and blatently avoiding borrowers receive government assistance programs or working on a solution, ANY SOLUTION, to get them out of toxic debt caused by the residual bad loans that caused the 2008 meltdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: OR
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:
Experian falsely claimed to have had contact with the city on XXXX. Upon reaching out with the city of XXXX they denied any such claims to have any contact with Experian. I will be seeking to pursue further legal action against Experian for their false claims and lack to fully investigate the matter.

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 2020-08-31
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to get the company to stop reporting incorrect information. They aren't responding to my correspondence and I want to deal with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2019, I was notified by the credit bureaus XXXX, XXXX and XXXX that capital one placed a late payment on my account. I have no accounts with capital one indirectly. The account that was reported late was a walmart card through XXXX XXXX. The card walmart card that received a late pay is closed and all payments for the walmart card is handled through a company called XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX mailed out the payment to XXXX payment center and when the payment was returned they reached out trying to find out why the payment was returned and they were told that XXXX was brought out by capital one and all payments should be directed there. Myself or XXXX never received a letter of stating that the payment address was changed therefore payment was made to the previous payment mailing address as usual. The company is reporting a closed account as a late payment and this is not the case. I have no direct contract with capitalone, if capitalone brought a credit contract out it is their responsibility to send the new payment details to it's clients. This account is not accurate and has reported to my credit report an error. No contract can be verified by this company. I have never had any late payments in my life this is not true what they did. I contacted capital one on this matter XX/XX/2019 spoke to a XXXX who tranferred me to XXXX and XXXX suggested I speak with rich XXXX I contacted rich on XX/XX/2019 and again XX/XX/2019 and no reponse. Hope you can help. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
In XX/XX/XXXX, I opened up a PayPal Business Account to sell secondhand clothing online through an app called XXXX. Within 2-3 weeks of me opening my business account PayPal put a permanent ban on my account. According to PayPal I opened a personal account in XXXX which I never used and have completely forgot about. The reason for the ban is because some of the information in the personal account from 8 years ago matches the information with the new business account I made in XXXX called PayPal to try and resolve the issue but they said they couldnt help me and I was banned for life. Even after giving them all the information to prove that I was the owner of both accounts and was not committing identity theft/fraud. I find it unfair that PayPal never warned me about how my account was at risk of being banned and how I was allowed to put in the information from my last account that I completed forgot about. Being banned from PayPal has disrupted my life because most e-commerce services require PayPal. I would like a second chance and for PayPal to lift my ban.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: Action Revenue Recovery, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I notified Action Revenue Recover advising them my right for them to verify I owed them a debt on XXXX XXXX, 2022. I havent received a response and the debt is still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: NH
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:
{$430.00} is supposedly owed by me. Which it isn't. Experian claims I owe XXXX this amount. Which wasn't mine. It says the term is 1 month old. And I opened this account in XXXX. Which I did not.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX  XXXX {$1400.00} XXXX   XXXX XXXX {$200.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$980.00}

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 explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: NJ
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: TCF NATIONAL BANK
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
This complaint is against Gateway One Lending and Finance. I paid my car loan in full on XX/XX/2017 with a cashiers check. Gateway advised that they would release the lien in three to five days if I paid with a cashiers check. I waited seven days and went to the tag agency only to find nothing had been done. I called gateway that day and was told that they received the payment and should have released the lien. They said they would do it that day and to go back to the tag agency in three days. I went to the tag agency and nothing had been done so I called again. Once again they said they would release the lien and I could get my title. Two days later I called the Florida DMV. The DMV sent me a document showing that the lien has still not been released. This callous disregard by Gateway has cost me three weeks delay in receiving payment for the car I sold since I ca n't deliver the title. 
I had to purchase the new car in cash since I could not trade in the car without the title. Every time I call Gateway I get the run around and false promises. This is an unfair business practice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions Inc.
State: WA
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:
Experian is listing a bankruptcy on my report. I have disputed it a couple of times and they say that it has been verified by the company. I received a letter from Experian stating that they verified it with a third party. Per the FCRA, they are required to verify the debt with the original creditor ( in this case the bankruptcy court ) not a third party. Per the government website regarding bankruptcy courts reporting bankruptcies ( XXXX XXXX XXXX ), " The Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. '' Therefore, the bankruptcy should be removed from my credit report since Experian can not verify it with the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/21, {$5000.00} was fraudulently taken in unauthorized XXXX transactions from my checking account at Regions Bank in XXXX, Alabama.

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 2020-09-26
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please review my complaint sent to XXXX  and email not stating it was not refunable AmeriSave Mortgage Corp. in XXXX, GA. told us a {$500.00} application fee was necessary to start. After payment was made we were informed that it was not refundable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND Chase Mortgage, requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from Chase Bank Mortgage : : XXXX : a ) CHASE MTG Acct No. XXXX b ) CHASE MTG Acct No. XXXX XXXX : a ) CHASE MTG Acct No. XXXX b ) CHASE MTG Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why Chase Mortgage rejected over 80 payments from XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current ( new ) mortgage company is NOT applying my payments correctly. I send them payments bi-monthly. {$400.00} & XXXX/month. 
They are not applying the payments to the PITI ( which it is supposed to be ) they are instead applying the " extra '' payment to principal which is messing up my payments. They are wrongly claiming we are past due and hitting us with erroneous late fees also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted First Associates on several occasions to settle amount. On XX/XX/XXXX reached an agreement with them to settle for {$1800.00}. Made arrangements to pay in 2 installments first one to be paid that same day for amount of {$930.00} which was paid and then the other half to be paid on XX/XX/XXXX. Called on XX/XX/XXXX to pay the other half and first person told me he couldnt find my account. After about 30 mins he said he found it but wanted to collect over XXXX  which was the balance according to him. I told him I had made settlement arrangements to pay only the {$1800.00} and he said that on his end there was never a settlement agreement reached and I told him I have an email which was sent to me on XX/XX/XXXX stating settlement was approved and he said it was never approved on their end and that he didnt know where I got the email from. He transferred me to a supervisor named XXXX and he wouldnt give me him last name and he also stated that I needed to pay over XXXX. I told him I had a letter that was sent over to me to sign about the settlement agreement and he stated that they never sent any letter or email to me approving the settlement amount and they had every right to collect the XXXX  balance. Stated the settlement was not approved and he didnt know where I got the letter from because it wasnt from them and since it wasnt in their system that I was going to have to pay all of it. I told him I had saved the email sent to me and he stated that email was not valid and I was still responsible for the amount owed. He said my 30 days to pay was up on XX/XX/XXXX and since that was on a Sunday and they were closed that any agreement would be nulled and voided since I was refusing to pay the balance on XX/XX/XXXX. He said since it wasnt in their system and he didnt know where it was sent from that in his eyes no settlement agreement was ever reached and approved even though the letter I had stated it was approved. I told him if it wasnt approved why didnt I get a letter stating that and he said they didnt have to send anything to me and that debt was still my responsibility.

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