BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called in to make a PRINCIPAL only payment to get my loan balance under a certain dollar amount so that I can be approved for a HELOC. I verified 3 times with the person on the phone that the payment is for principal only, and that conversation was recorded. I check my statement and I see that {$320.00} was escrowed and should not have been. My payments have all been on time, and my escrow is on a schedule as well. I made this PRINCIPAL only payment on XXXX and I reiterated the fact that I will be calling again to make my scheduled payment, that this payment has nothing to do with my scheduled payment in any way and it is for principal only. I have been in contact with supervisors who assure me they are working hard to correct their mistake, that they are just busy. They have been 'busy ' for almost a full month now and this has caused a number of issues with my financial planning not to mention the extra interest on this account charged as well as the other 3rd party accounts I planned on paying off with my HELOC. The approval to fix the mistake was issued on XXXX/XXXX/2016 and today is XXXX/XXXX/2016 and I am still waiting. I have made multiple attempts since then asking about when the was going to be corrected each response has been they are busy in the department that handles it. Even if this is fixed at this point, the damage has been done and there does not appear to be anything that I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XXXX 2015 I applied for a mortgage. This mortgage company ran my credit multiple times resulting in several " Inquiries '' on my reports with all XXXX major credit bureaus. Same thing happened with a car dealership they ran my credit XXXX times with in 2 days resulting in XXXX " inquiries '' on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Falls Collection Service Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I went on line and noticed that financial controls solutions had put a collection remark on my credit reports. This is the same collection that XXXX is trying to collect on ( but will not validate ) and XXXX is trying to collect on ( But also will not validate ). financial control has not notified me in writing that they were going to try to collect, and i have never done any business with them, nor have i signed a contract or owe them any money. I have requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. they have been shady and have not followed the rules set. they can not be trying to collect an account that is active with another collectin agency and they must by law give me a chance to dispute the account ( which i will through court ) before hitting the credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred again and I got a notice that with the transfer I had 60 days where I would not be penalized for late payment, or be reported to credit agency. Well I took this as an opportunity to refinance because the previous loan servicer ( XXXX ) had messed up my escrow ( they had doubled it and when called I was told I just did n't understand ) and with lower interest rates I thought the timing was good as well. I was with in 60 days when a credit agency called me and Loan Care on three way and that is when a Loan Care money collection agent ( which phone call was recorded ) reported that I was late on my payment and no payment had been made. I told her that what she did was a violation of my rights and she became rude and asks to get off of the phone. I feel that Loan Care violated laws to protect the consumer, and tried to bully me so that I would have to stay with them or refinance with them. I am tired of large mortgage companies disregarding the laws, rules, and regulations which are there to protect the common consumer and feel that something needs to be done to get Loan Care to realize that there are repercussions from breaking these rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I wrote all XXXX credit bureaus : Experian, XXXX and XXXX asking them to verify through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. I demand to see verifiable proof ( an original consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove the accounts listed in my letter. However, their only response is that the accounts were verfied by the creditors but they still have not sent me anything showing me proof nor with my original signature That 's because they do n't have anything to send, so these accounts must be deleted a.s.a.p. I am a litigious consumer and know my rights. I am seeking legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I contacted Transunion on XXXX/XXXX/16 and requested that all inquiries on my credit report be removed due to their error in deleting them and then placing them back on my report without providing notification to me of such. I was hung up on four different times. Each person that I spoke with had a different justification for why they would not remove it. The XXXX one said that they would n't remove it because I did n't have any inquiries between XX/XX/XXXX and XX/XX/2016 which I explained did n't matter because all my inquiries were removed and that it was a violation of FCRA Section 611 paragraph B ( II ) to place any back on without notifying me. The XXXX person said that their records did n't indicate that I was affected by their error, to which I asked what proof they had of that and never received an answer. By the XXXX person I asked to speak to someone in the Special Handling department in the US and was told they could not transfer me nor allow me to speak with a supervisor. The XXXX person told me that they had provided notification to me about placing the inquiries back on my report. Again, I asked for proof of this and they were unable to provide me with the details of how and when it was sent. The Transunion error affected everyone and now they are refusing to take ownership for their mistake. I respectfully request that all inquiries on my Transunion credit report are removed as they are in violation of FCRA Section 611 paragraph B ( II ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Other

Complaint:
I have been trying to get a hold of someone at American Express in regards to my grandmother 's account she passed away in 2011, I keep getting offered a gift card for a {$4.00} activation fee? All I want is for them to write off the card and close the account like the other card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX, XXXX XXXX, the consumer, did not provide these companies listed consent/written permission to report these accounts or Share my personal information with another entity, TransUnion, is a violation of 15 U.S. Code 1681s-2. 
see attached. 15 U.S. Code 1681b ( a ) ( 2 )

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 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My checking account was breached and someone is trying to open up a credit card at Bank of America with my name and social security card. They also submitted a request for new ATM and Debit card on my sons account with my name on it. 
I got an alert that an inquiry was made by Bank of America but because I had recently put a freeze on my credit it was blocked by XXXX. We notified fraud department today.

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 2022-10-01
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: Personal information incorrect

Complaint:
My report 's of inaccurate information was inaccurate. I sent it to credit bureau, asking to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all XXXX major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX CB 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX 's. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted evidence/proof that my account from XXXX was never paid late., and that It was an error on the creditors part. My Bill was paid ON TIME, never late. The creditor failed to apply my funds in the way directed. All parties are aware of this fact. The credit bureau failed to do a proper investigation and refused to remove the incorrect information from my credit profile which has caused personal hardships.

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 2022-10-01
Company: North State Acceptance, LLC
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:
In accordance with the fair credit reporting North state acceptance 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 2 : 604 A section also states a consumer reporting agency can not furnish a account without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from TransUnion, XXXX, and XXXX contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX unauthorised charged my Father XXXX XXXX 's Card # XXXX for Refinnce my car at a low rate byOpenRoad Lending who wanted to get credit score on payment of {$1.00} only but they charged on XXXX/XXXX/16 not only {$1.00} but made another {$29.00} ( by XXXX ) as regular monitoring service which was never authorized and was even within 7 days of Free Trial period ( which I did not subscribe ) but XXXX not only refusing to refund but agresively pressurizing by sending repeatedly emails and not even clearly confirming that the service has been cancelled.I suspect it to be Fraud and ID Theft by both XXXX and OpenRoad Lending.The address and contact # ofOpenRoad are XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph # XXXX Web : XXXX.MY Father 's card was closed by his Bank XXXX when they placed the transaction under Dispute.

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 2017-10-11
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
Please note that Im mailing my final documents using Reference Number XXXX to inform you that I did settle an amount on my NFCU Accounts but Im not satisfied with the state of my credit. After thoroughly investigating the NFCU- PPP complaint the attached letters displaying the organizations ( NFCU and XXXX XXXXXXXX XXXX Letter Head with Logo validates that XXXX XXXX did in fact purchase a PPP and was eligible for protection during the time that NFCU sent the accounts to collection agency, it doesnt magically erase the unjustified damage that was done to my good credit nor does the letters cite blame or initiate consequences for NFCUs mishandling of a service they offered and didnt render as designed. On XXXX/XXXX/XXXX NFCU sent me a letter for an Redress Payment as terms of a settlement between NFCU and CFPB to be applied to my account in effort to keep a positive relationship with me and adhering to their standard of excellence with members. I strongly disagree with the commitment to any standard of excellence extend to me while we were in litigation to resolve a matter that was initiated because NFCU failed to render on a service that I paid for. I will also send a letter to the Better Business Bureau as well. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Both reporting agencys report a address for me as XXXX XXXX XXXX XXXX, Pa. XXXX. This is not correct!!! I do not, nor have I ever had or used this address. I do not know if someone has tried to get credit using my information!! This has me very concerned. Thank You for your time!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I worked very hard to pay down my credit card balances and improve my credit score. Transunion for some reason has the same credit card on my credit report XXXX ( no other credit bureau has this mistake ). I have phoned several times to have this issue remedied. When phoning the first time in early XXXX, I verified with the representative that both of these items had the same account number, an obvious duplication. I was told an investigation would take place, which might take 30 days. I am not satisfied with this response, particularly with the duplication being so obvious. I then followed up with XXXX who then sent me a letter via email, verifying that I only have XXXX credit card account with them. I faxed this to Transunion who stated that this new item would be reviewed within five days and a determination made. I instead received a letter stating the new documentation would extend the investigation to XXXX XXXX. This is unacceptable. This issue is affecting me financially and emotionally. I am trying to secure a home, but can not because of this issue. My family is planning to move, but is delayed because of this issue. I am being denied because of my Transunion score which is inaccurate. I am attaching all documents sent to Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XXXX/XXXX/2015, I contacted TransUnion concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made TransUnion aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that TransUnion had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. TransUnion has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it XXXX concern, The account name XXXX XXXX  with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted XXXX bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. XXXX bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and XXXX has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at XXXX recommended I dispute the account to the XXXX credit bureaus, which I have done. XXXX appears to have removed the account from my file but the account is still on my Experian and XXXX files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

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