BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX   XXXX   XXXX   located in California is reported on all  XXXX  of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   2017  at  XXXX  in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.

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 2017-06-02
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 information incorrect

Complaint:
XXXX   XXXX   XXXX   XXXX   located in California is reported on all   XXXX    of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   at   XXXX   in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.

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 2021-11-16
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX in 2011 pharmacy tech program. They miss represented themselves by explaining the hiring rate etc. I then began to speak to other students that graduated a head of me and they expressed their same situations. During the time my father helped signed me up one private loan and federal which private one was paid off. I then was reached out to for forgiveness. which I did pay for awhile.I dont believe I should be paying for a scam. I then began to do research and saw that XXXX XXXX was also fighting for discharge for misrepresentation.I am reaching out to see if their is any possibility to be able to discharge. Im in need of guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were offered a trial plan by Caliber Home Loans and we messed up the date of the last payment and because of that they said we are ineligible, they call it trial plan default. So they sent us a letter saying we could re-apply meaning start the process over again and we had until   XXXX   XXXX   XXXX  .
<P/>
So last weekend Memorial Day Weekend, when we could not talk to anyone until Tues.   XXXX   XXXX   XXXX  , we received several letters from   XXXX   XXXX   in  XXXX  , MA   XXXX   telling us that our house will be auctioned off for sale on o r after    XXXX   XXXX   XXXX  . The phone number for  XXXX  is   XXXX   the fax number is  XXXX .
<P/>
In the meantime we met with our HUD Counselor and re submitted all our forms back to Caliber Home Loans to apply for loan modification all over again. I am truly afraid we have no place to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've contacted each service that's furnishing inaccurate information thats being shared on my consumer report. I made them aware that i did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collection being fraudulently reported on my consumer report. 
According to 15 USC 1681E ( B ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
The credit bureau is reporting that I owe {$410.00} for an account under the name "   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XX/XX/XXXX  with an account number of "   XXXX   ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous times ( since  XX/XX/XXXX  ) only to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.

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 2019-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Im writting again because I was told that even though I have never made a payment or called about the loan previously that I am still responsible for this loan. Even though the loan was extended without calling and consulting me first.

I feel that this is USAAs fault for not doing their due diligence and calling or reaching out to me first.

I had agreed to a personal loan of {$17000.00} originally and agreed to one refinance to {$20000.00}. However when I went to check on the loan expecting it to only be a small balance after years of paying on it. But I then noticed that the loan was refinanced again 2 more times. The total amount of the loan was {$46000.00}.

I was basically told by USAA that my only option is to go to court and they didnt own up or apologize for anything that they didnt do to protect my account. I think considering I never even made a payment and knew nothing about these multiple refinances that it should not be on my credit report and this loan should not be in my name since I did not authorize it all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Professional Recovery Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Professional Recovery a certified letter asking them to give me a copy of legal documents they stating that I agree to pay them {$190.00}. They did not respond back. But refuses to remove the information from my XXXX credit report, and XXXX refuses as well. However, neither agent will send me the documents I've requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Monterey Financial Services LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been dealing with horrible collection practices from  Monterey Financial  services and their harassing practices. they have been threatening to send it to review for collections which would add an additional 35 % to my bill i tried to explain today  XXXX / XXXX / 2017  at  XXXX   XXXX  i received the call from the company he was very harassing and was bullying me to the extent of making me feel uncomfortable he kept interrupting me and demanding information as to what the personal matter was as to why I 'm filing for ch.  XXXX  bankruptcy the personal matter was none of his business but kept trying to bully me into giving him the information. this was so unprofessional and i refuse to be bullied by this company any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: SYNCHRONY FINANCIAL
State: AZ
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 had a hard inquiry for a credit card at Walmart and I have never applied for a Walmart credit card. I am trying to have it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Harris & Harris a debt validation letter on XX/XX/2021 which was delivered on XX/XX/2021 at XXXX by XXXX . It is now XX/XX/2021 and I have yet to receive any information validating the debts that are currently being reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: TX
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  Account : XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # : XXXX ; XXXX, Account # : XXXX ; XXXX XXXX XXXX Account # : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account : 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 2022-04-26
Company: Skopos Financial, LLC
State: OH
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 live in the state of Ohio and the limits for a item to be on your credit report is only 6 years

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 2021-04-05
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am unable to activate the EIP card from the Money Network. This means I can't access the money the government wants me to have!!!

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 2019-03-16
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing was switched to SLS loan serving from XXXX on XX/XX/XXXX. It is XX/XX/XXXX and I have requested an inspection for my home loss since they serviced the loan. I was told after almost 4 months they are still trying to find one in my area. In the mean I am sleeping on a couch because my home is not livable. I have a chronic illness that makes me sensitive to all construction type materials. I was in the midst of recovering and I am not out of the woods yet, but they could care less about that. I pay my mortgage before the 1st every month XXXX and I have funded most of this project prior to any draws being submitted to get it done quickly. It will be 5months and no inspection so I can get the money that my insurance company paid me to complete my home of 15 years. Every time they call me I get the run around I am sick at this point and obviously forced to continue to fund my own 6 digit loss. I want to stop them from causing me and anyone else any further anguish. Weve already been displaced and our lives have been turned upside to a loss that we didnt see coming. Why must they continue to take their customers through these type of criminal practices. The bottom line is who ever owns the loans is holding our money for their own interest and XXXX should be ashamed for dealing with these kind of servicers. SLS loan servicing loss draft department are literally criminal and they play with peoples lives. Something has got to be done!

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 2019-12-11
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Close to 30 fraudulent Telechecks ( fane check numbers, fake business names ) have appeared in my Checking Account from XX/XX/XXXX - till XX/XX/XXXX. 

It appears that has someone stolen my check routing number and account number. 

On XX/XX/XXXX I have closed that account and using Lost/Stolen XXXX XXXX account transfer - new account was created. 

On XX/XX/XXXX Fraud Party tried to still additional 3 Telechecks funds using same fake business name from my old and now closed account. Since account was closed - I lost no funds. And Frau Part was not paid. 

However, that FRAUD PARTY was unhappy about that - and they used TRS Recovery Services , Inc., located at XXXX XXXX XXXX XXXX, XXXX GA XXXX, to cooperate with them! So, without ANY checking, TRS have send to me 3 Notices of Unpaid Electronic Fund Transfer, trying complete this theft attempt by that Fraudulent Party! What a brazen arrogance!! 

-TRS Reference # XXXX ( TRS wants to collect {$24.00} in fraudulent Telecheck ) TRS Reference # XXXX ( TRS wants to collect {$19.00} in fraudulent Telecheck ) TRS Reference # XXXX ( TRS wants to collect {$37.00} in fraudulent Telecheck ). 

When I called TRS and let them know it was a fraudulent transaction to against closed bank account, they refused to stop Notices unless I write down the routing number, account number, and my SS Number and fax them to them! Really??? Fax such data to complete strangers so my data can be compromised again?? When I called them at XXXX, and selected # 4 for fraud - there is NO operator there! Recording insist on faxing to them the data I listed above. Unbelievable. 

TRS is now actively assisting in this fraud and they are NOT willing to start their own investigation following my 3 calls telling them it is fraud! I was forced to file a Police Report as I have no idea what else I can do. XXXX XXXX advised that this type of fraudulent collections are outside of their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
hello, my name is  XXXX   XXXX  and it is regarding a  XXXX  account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agencies  ).    thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
1. On XX/XX/2022 I received an email from XXXX ( XXXX XXXX XXXX XXXX  ) saying that my credit score had changed. I was shocked to see that my XXXX score had dropped about XXXX points from XXXX to XXXX. 
2. Prior to this I had never received any notification or statements by either mail or email letting me know that I had any amount due on this credit card. 
3. On XX/XX/2022 I called the credit card company. The representative said I should send a dispute letter to FCRA. 
4.On XX/XX/2022 I called XXXX again and asked for a supervisor. He claimed not to be able to do anything. But said I should file a dispute. 
6. On XX/XX/2022 I called Transunion. They also said I should go ahead and file a dispute with FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX {$3000.00} XXXX  XXXX {$630.00} XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TMX Finance LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
This company has not responded to written request for account information and receipts for payments I sent in. Now they sent me a letter 4 days before due date {$690.00}, again with no interest info, no balance info, no response to emails sent XX/XX/2020 ; review of audio I send via email showing the predatory actions of your companys previous XXXX XXXX, va location. They have not contacted this entire time via usps as requested in my CAD ; that requires in writing communication or litigation. On my audio i showed you employees acting as others employees ( that were off that day ) just to talk about account and set up payment arrangement. Then when i would call back with the payment for payment arrangement the employee that I was told ai was speaking to would say I was off, you couldnt have spoken to me and im not accepting that payment. This happened three times ; their intention was to have the interest grossly accrue/induce charges due to my balance being over {$6000.00} at over 301 %. I even filed FTC complaint XX/XX/2020 ; in the companys response they lied about everything ; so I sent a copy of the letter and proof that it was lies from your counsel ; again no response from company. False statement such as saying I sent payment to wrong service center, I opened and only ever dealt with XXXX XXXX, va location. In addition you XXXX, va location processed one of the several money orders I sent but not others so that is unethical to choose when you want to practice the truth.

Company response to consumer: Closed with explanation