BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-29
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: Their investigation did not fix an error on your report

Complaint:
I noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from XXXX and Experian. XXXX  XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process.

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 2022-06-29
Company: Experian Information Solutions Inc.
State: NY
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 pre arbitration dispute letter. I am sending this complaint through certified mail to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to fulfill the requirements of the arbitration clause.

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 2022-12-01
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 am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... The account below should be deleted from y file : 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 2018-02-26
Company: Experian Information Solutions Inc.
State: PA
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:
Experian Report # XXXX Date XX/XX/18 Address Issues Experian keeps adding XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Address identification Number XXXX is wrong I have provide time after time proof of the right address. 
Address Identification Number XXXX is wrong as well Experian added another same address to my credit report XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX on Report # XXXX The report # XXXX Date XX/XX/18 does not have 3 address for XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Experian keeps adding or delete on thing and then add it on another report. Time after time.

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 2022-06-29
Company: UNITED MORTGAGE CORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a forbearance with my mortgage company United Mortgage. I had to pay for 3 months & not miss a payment for it to be final for a year. In XXXX of 2021 I was sent a letter from UNITED MORTGAGE that they sold me loan to XXXX XXXX and I should not send them XXXX payment. I stopped paying them and sent payments to new company which I was unaware these checks were not cashed only three. I spoke to XXXX  which told me that my payments were received and they were working on locating my loan to apply my payments. Now were in month XXXX I receive paperwork from United Mortgage stating that I owe them XXXX lawyer fees etc to reinstate my loan. Now Im calling United Mortgage asking how is this possible they sold my loan I have been paying another company. They now said it was a error my loan wasnt sold. So how can they do this. This is a error on there end. I have the paper work I sent to their lawyer. They tried to ignore this issue. So I said well I have the money that I was paying in forbearance they need to put these months on end of loan reinstate my loan since its there error. I have yet to hear anything. I want this corrected by then asap. If it was not for there error I would not even be in this situation. I was paying everything on time. This is incompetent and negligent. Thank you so much. This is my home now Im facing foreclosure because of them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Fedloan Help
State: VT
Product: Other financial service
Sub-product: Debt settlement
Issue: Unexpected/Other fees

Complaint:
I saw an advertisement for Fedloan Help which was advertised to consolidate loans into a program that Barack Obama created to help people with student loan debt. So I called them to see what they could do for me and they said that they consolidate loans under a federal program that would decrease my student loan debt and my monthly payments. I did not realize that this was a third party consolidation company as their company is called Fedloan Help, and the actual consolidation and debt relief program is called Fedloan Servicing. When I was talking to the Fedloan Help people on the phone, they were very helpful but did not explain who they were, that they were a third party company, and that they would be withdrawing {$67.00} from my bank account monthly while making it look like this was my student loan payment. This money that they are withdrawing is not a student loan payment, it is a " servicing fee '' for consolidating my loans through them. I figured this out because I have been getting bills from the actual loan servicer, saying that because of my income, my monthly payment right now is {$0.00}. I 've called Fedloan Help ( the scammers ) and they say that all agents are busy right now and that they will call me back. They refuse to put me on hold. I called Fedloan servicing, and they are the ones who alerted me to this situation. 

I was not able to download this as a file, but here is an email that was sent to me from one of their representatives : Service Agreement for REVIEW ONLY Inbox XXXXXXXX AttachmentsXXXX XXXX to me Hello XXXX, Attached is the service agreement for the program you qualified for. There is nothing to sign on these documents, review purposes only. 

We are a NOT for profit organization that works with the US Department of Education regarding Loan Forgiveness and Payment Relief Programs. We charge " NO FEE '' S. We operate from voluntary donations only. 

XXXX XXXX Fedloan Help : Nonprofit Organization Direct : ( XXXX ) XXXX Ext. XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX www.Fedloanhelp.org It says, We charge " NO FEE '' S Since they wrote " no fees '' in that specific way, is that their way of getting around their hidden fees, since it is not grammatically correct?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have inclosed a copy of a HELOC statement from Bank of America showing a {$14000.00} escrow balance for flood insurance. I have tried to refer them to the fact that a blanket policy is all I need like I have on the first mortgage which coincidently covers all mortgages. This has caused me a great deal of stress and I have a stressh triggered illiness. At this point I want the escrow cancelled and the HELOC forgiven. I have had a lending probblem with Bank of America before and at that time I believed it was race related and I still believe that. I was unable to get my loans refinanced due to this egregious and completely incorrect loan. Thanks.

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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Because the traditional Credit reporting agencies are not the regulated Bureau, nor have they consulted with me to advise me what all would be disclosed to the public nor if did consult with me to see what i want reported. These practices are in violation of my Right to Privacy. The Equal Credit Opportunity Act states that all are equal under the law as all individuals ( the people ) must rely on the full faith & credit of the united states. Its because of these agencies that XXXX XXXX americans from access to the credit required for a better living experience with their families. Especially since the gold and silver been rules illegal. We can find any remedy. Then the bureau doesn't even respect the will of the consumer. What is this? Please instruct all agencies to cease and desist from reporting on my private business. 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 2023-03-11
Company: Phoenix Financial Services LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX : I received a letter from PHOENIX FINANCIAL SERV, regarding a medical bill that is alleged to occur in XXXX. 

XX/XX/XXXX : I replied to PHOENIX FINANCIAL SERV, requesting information on the debt. I wrote to ask for - The name and address of the original creditor, - Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
- A copy of the last billing statement sent to me by the original creditor. 
- State the amount of the debt when you obtained it, and when that was. 

In the same letter, I formally requested that " In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. '' XX/XX/XXXX : Letter received by PHOENIX FINANCIAL SERV. I can provide evidence from USPS tracking. 

XX/XX/XXXX : Against my request, and without any further notice, PHOENIX FINANCIAL SERV flagged my account in at least one credit bureau as Collections and severely damaged my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: PA
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:
Because the traditional Credit reporting agencies are not the regulated Bureau, nor have they consulted with me to advise me what all would be disclosed to the public nor if did consult with me to see what i want reported. These practices are in violation of my Right to Privacy. The Equal Credit Opportunity Act states that all are equal under the law as all individuals ( the people ) must rely on the full faith & credit of the united states. Its because of these agencies that XXXX XXXX americans from access to the credit required for a better living experience with their families. Especially since the gold and silver been rules illegal. We can find any remedy. Then the bureau doesn't even respect the will of the consumer. What is this? Please instruct all agencies to cease and desist from reporting on my private business. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX, I noticed a collection in the amount of {$410.00} on my XXXX account. 

I looked up the company and emailed there support line providing documentation that not only had this bill ever gone to collections, but that I had paid in full and on time, in accordance with the payment plan XXXX and I created. 

I am very curious about the legality of this debt collection, because I had already received a collection on my credit report in all XXXX bureaus about 12 months prior, all of which were successfully disputed. 

Additionally, this payment was made in full to XXXX on XXXX. 

ERC ( Enhanced Recovery Company ) has refused to remove this collection in the face of the documentation I have provided them, citing that they will need to hear from XXXX themselves about an account that has long been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX  Account # XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Medical Account # XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-29
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Since XXXX, I have attempted to get the title in my name. The original title was in the name of my deceased sister. This would involve a state to state title change. I live in Illinois, my sister lived in Wisconsin. 

On XX/XX/XXXX, Hyundai Motor Finance requested Wisconsin send them the title so they could do the name change. I spoke with the WISCONSIN DMV and they said they fulfilled the request on XX/XX/XXXX. Hyundai said they never received. I continued to follow up with XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I called the Wisconsin DMV and they said they couldnt do anything since there was a lien on the vehicle. They suggested I payoff the vehicle and Wisconsin could issue me the title once Hyundai removed the lien. 

On XXXX, I sent Hyundai the payoff amount due via priority mail. On XXXX, the payoff amount was credited to my account. On XXXX, I received an email from Hyundai ( XXXX ) saying they are working to release the lien on the vehicles title. I have patiently waited since it appeared that it could take up to 20 days for the title to be released. As of today, XX/XX/XXXX, the state of Wisconsin still reflects a lien on the vehicle. 

I am unable to register or sell the vehicle. This is my second complaint as it pertains to Hyundai and this vehicle.

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