BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: Nelnet, Inc.
State: PR
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:
Nel net is charging me interest on student loans when the COVID-19 emergency was extended to XX/XX/2022 without interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have been trying to cancel my monthly subscription to Experian credit monitoring services. They charge XXXX per month on a reoccurring billing cycle. I have called 5 days in a row and get nothing but music and long hold times. in five days I have spent 7 hours 52 minutes and have never spoken to anyone. Meanwhile, I will just keep getting billed because there is no other way to cancel. 

It 's disappointing that this is allowed to take place but companies at all.

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 2021-08-27
Company: Mortgage Research Center, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We wired a payment to Principal on our Mortgage for XXXX XXXX in the amount of {$7300.00} to XXXX XXXX on XX/XX/XXXX. XXXX XXXX did not apply {$7300.00} to Principal. Instead, VU divided that payment into 15 single principle and interest payments between XX/XX/XXXX and XX/XX/XXXX labeled as Monthly Payment, Unapplied Funds, or Additional Principal. Around XX/XX/XXXX, we found out the XX/XX/XXXX payment to Principal of {$7300.00} had not been applied to the Principal Balance because we had to do a call regarding a Refi on our Mortgage. As of today, XX/XX/XXXX, this major issue still has not been corrected. 
We have contacted XXXX XXXX numerous times. Our mortgage rep., XXXX XXXX, who has been excellent, opened several cases all of which have been escalated but to no avail. Whats worse, in the meantime, our Principal Balance on our Mortgage is far more than it should be, and we continue to pay higher interest payments, as a result of this grave error. This has been going on for 5 months, its unbelievable. One is left with the impression, that if our last name would have been XXXX, this problem would have never occurred. 
It does not take a month to resolve this issue. The payment mistakes are easy to see in our payment history and need to be reversed immediately into the Principal payment and apply as of XX/XX/XXXX. I will also include a screenshot of the incredible mess they caused. The interest charged on a higher principal needs to be credited to us immediately. And at the very least, a written public apology from the CEO must be issued. We are left with no other conclusion but that XXXX XXXX is oblivious to the impact its grave error has had on an XXXX XXXX XXXX family that has to move every 2 years or worse it is fine with our plight.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$350.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$400.00}

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 non-monetary relief
Consumer complaint received 2019-08-01
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are 3 open collections showing on my credit report form 1st pt. I have never received notification of this debt. There have been no attempts to contact me at my address or phone number. The first knowledge of this debt is XX/XX/XXXX when it popped up on my credit file as 3 new collections in the amounts of {$48.00}, {$100.00} and {$130.00} all from XXXX XXXX XXXX. One of the are passed statute of limitations in the state of North Carolina. Also accounts are from XXXX and I have filed Chapter XXXX XX/XX/XXXX and all accounts were included. These accounts need to be removed from my credit file immediately as they are included in the BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: United PanAm Financial Corp.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
United Auto Credit has called me multiple times within a  10  minute timeframe.   They are leavening multiple voicemail messages in the same day ; sometime s 15  minutes apart. This will happen even when I 'm onl y one d ay past due.   They are calling any people I am acquainted with and implying that I have a past due debt with them. This is harassing behavior and I need it to stop immediately. I also want to seek action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NC
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:
Equifax announced a cyber-security incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX throughXX/XX/XXXX.
I am one of those victims according to Equifaxs Check Potential Impact tool.
They offer a free subscription to TrustedID Premier, but if I agree to the terms of service I will not be able to participate in a class action lawsuit if one should be filed. Believe me when I say- I want to sue them out of existence.
I do not trust Equifax with my personal information, as they have shown it is not secure. Now it 's 'out there ' forever. My personal credit information is now out of my control due to the ineptness of this company. My identity is at risk and it falls completely on the feet of Equifax.
Just days after the breach, several top executives from Equifax sold almost {$2.00} million in stocks, yet they waited months to inform the public. I believe this to be criminal.
They are using fear to 'trick ' people into signing up for the credit monitoring service for one year free, only to ( 1 ) prevent them from suing, ( 2 ) to charge them for this service for the remainder of their life, if they wish to monitor their Identity and try to control their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hi, my name is XXXX XXXX. I have been sending you guys letters about some inaccurate information on my credit report but I don't believe you did the job properly. I have been waiting for your response since I sent my dispute letter on XX/XX/2022, but it seems my letter has been ignored I am not sure if it has something to do with my XXXX, but I was told by a financial expert that I can file a complaint on several agencies should you continue to ignore my letters. I'll be waiting for 15 days from now to see if there will be any changes and will take my next step after that. 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 non-monetary relief
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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 2022-02-12
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received written letter from organization calling itself Professional Credit Service attempting to collect amounts previously paid relating to medical services. 

Account numbers were phony and letter did not come from the medical provider they purported to represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Aspen National Financial, 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:
We have attached the necessary documentation regarding this matter. 

We were involved in a contract dispute with XXXX XXXX and we were disputing any " debts '' owed to them. They illegally placed us into collections with Aspen. 

We sent a letter to Aspen alerting them that this " debt '' was under a legal dispute and under the Fair Debt Collections Practices Act it was illegal for them to report negatively on our credit. 

They have refused to remove the illegal derogatory marks on both mine and my husbands credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: ID
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:
Equifax was hacked from XX/XX/XXXX through XX/XX/XXXX, apparently. It 's XXXX and they 're just now notifying us of the hack. That 's too long, it 's over a month. I still have n't received a personal email/letter/anything. I had to hear about it on the radio while driving to work. Equifax did set up a separate website, but if you do n't click on exactly the right things in the right order they try to enroll you in something that waives your right to be part of a class action lawsuit, which is nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Hello I reach out several times to receive the same generic answer that the accounts has been verified and accurate how can they be when they are reporting inaccurate information. Under FCRA all information must be true and accurate if not it must be deleted from my credit file immediately and send me a updated version of my credit report. 

XXXX XXXX XXXX ) is a charge off account from my understanding a charge off account should not have a past due balance ( XXXX XXXX ) is a charge off account from my understanding a charge off account should not have a past due balance reporting ( XXXX XXXX XXXX XXXX ) is a charge off account which has been sold to a collection agency and reporting a credit limit on a closed credit card account

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
applied to recieve my free annual credit report, was told the with a pending drtispute could not get report, transunion will not except any other disputes till original is closed, they are dragging out the complaint so they do not have to take several problems with my 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 2017-09-08
Company: Sterling Infosystems Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I find it pretty stupid that Sterling Talent solutions does not do background check based on social security numbers, and that you get someone elses info on mine costing me employment. I have never had a criminal record and I have never been to XXXX so all the info pertaining to a XXXX XXXX is bogus, as well as anything else outside of XXXX where I have lived all my life except for 9 months in XXXX at which time I still owned my residence in XXXX. This needs to be addresses as soon as possible in conjunction with the CFPB Thanks Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SS XXXX DL 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 2017-09-05
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a loan serviced by OCWEN on my Property at : XXXX  XXXX XXXX, XXXX XXXX, PA-XXXX. 

I could not keep up with the payments for various reasons, given in the hardship letter. The Servicer put up my property for Auction/Sale on XXXX of this month. 

I have already submitted a Short Sale Package ( ALL CASH Offer ) through my 3rd Party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX XXXX XXXX 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. 



In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX ( # 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX  VA XXXX   XXXX  dob XX/XX/XXXXBy law all inquires over

two years old must be removed my credit report. Transunion will not removed the following inquired from my credit report that are over two ye
ars old.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX  ) XXXX XXXX XXXX I ndividual Requested On : XX/XX/XXXX,  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX I ndividual Requested On : XX/XX/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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have contacted all 3 credit Bureaus multiple times. I have. Sent them police report showing and trying to prove that there are accounts in my credit that should not be there. There is a personal loan with XXXX XXXX  that was fraudulent there is 3 credit cards one from XXXX one from XXXX  XXXX and one from XXXX  XXXX  XXXX  that should not be there. There is an auto loan with XXXX XXXX and another company that should not be there.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  DEPT OF ED/XXXX, Account # XXXX 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 this account without my written instructions. I have not given XXXX/XXXX XXXX, XXXX TRANSUNION permission to publish this information on my credit report. I am in good standing with XXXX  therefore publishing my student loan information in my report is unnecessary and illegal. This has caused a negative impact on my score which has affected me with personal business I am conducting on daily basis. The removal of this information would be greatly appreciated. I am not denying my loan and will continue to be on good standing.

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 2017-06-28
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recent review of my credit is showing debt that I have signed for and unaware. This debt is hindering. I have tried to speak with the companies in regards to this matter and to no avail. I want all items removed from the 3 credit bureau asap These companies are leaving with no other options to seek legal counsel with the purpose of suing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 DEPT OF ED/XXXX XXXX XXXX XXXX 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 this account without my written instructions. I have not given XXXX XXXX XXXX  TRANSUNION permission to publish this information on my credit report. I am in good standing with XXXX therefore publishing my student loan information in my report is unnecessary and illegal. This has caused a negative impact on my score which has affected me with personal business I am conducting on daily basis. The removal of this information would be greatly appreciated. I am not denying my loan and will continue to be on good standing.

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