BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Legally paid in full for less than the full balance, closed. I am unaware of Legally paid in full for less than the full balance, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX XXXX. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2017-01-03
Company: Utah System of Higher Education
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
While in school, my XXXX loan was taken out of deferment due to a miscommunication between my school and servicer. It took several phone calls and emails to correct the situation with XXXX. Now, approximately three months later, I 've just received a past due notice on a XXXX loan that should n't even be in repayment yet - I graduated four weeks ago and have a six month grace period. Nevertheless, XXXX has sent me this notice and has yet to respond to my email that was sent on XX/XX/2016 addressing this error. As it was a very complicated and drawn-out procedure last time I tried to work with XXXX, I 've chosen to escalate this situation to the CFPB.

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
Consumer complaint received 2015-09-18
Company: Real Time Group, Inc.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My home foreclosed in XXXX of 2010 with XXXX. XXXX had my ex partner and I sign a {$7200.00} promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with XXXX to be sure. Last year, after four years of the debt not being pursued, XXXX sold the debt to Real Time Solutions, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
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 without 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 .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 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 XXXX XXXX daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: The Cherrington Firm PLLC
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Cherrington called me requesting payment for a debt I did not know I owed. My utilities that I thought had been paid off, had gone to collection XX/XX/2016, but I was not notified until now ( XX/XX/2016 ). The original debt was for {$300.00} and Cherrington has more than doubled it with fees. I told them I needed to verify the debt and they were pushy to have it paid without verification. After I called my utilities to verify I called back and offered to pay the original debt. They refused to take anything less than {$700.00}, which I did not have. So, they threatened legal action if I did not pay that same day or set up a payment plan that would total {$900.00} if not more. They also brought up an old debt of 10+ years and said they would tack that on to the payment. No legal action had been made on the old debt and I had n't even heard that I owed it until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had a hard credit inquiry on my report on XXXX/XXXX/2016 by XXXX. I called Equifax and they told me the could do nothing about it. I have not applied for any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CITIBANK, N.A.
State: FL
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:
This particular account is undoubtedly placed as a charged-off account. ( MACY'S/DSNB XXXX Opened Date XX/XX/2016 Balance {$0.00} ) The balance was already zero yet the account was still indicating as a charge off. There must be a payment history that shows a 120 past due for this account. You are reporting mistaken information on this 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 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX XXXX ), inquiries, etc are not mine. I am livid, XXXX that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX of XXXX, Department of Education, XXXX and XXXX 2016 this is it ... XXXX was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX Tx, and have only had a XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.

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 2015-05-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed the validity of a debt in writing over four times requesting proof of the alleged debt, and to date the credit bureaus as well as XXXX XXXX has failed to provide me with a copy of the bill so that I may adequately dispute the charges. The credit bureaus response continue to be " the debt has been validated '' however no proof of how they came to that result has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Continental Finance Company, LLC
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I lost my XXXX credit card issued by continental finance. 
The rep assured me that if I made a XXXX payment in XXXX I would receive receive my credit card. I made payment and then I waited 4 weeks and did not receive it .I CALLED BACK XXXX/XXXX/2016 and was told AGAIN that I had to make another payment on XXXX/XXXX/2016 I did and now I AM BEING TOLD THAT I MUST PAY XXXX IN ORDER TO RECEIVE MY CARD. 
Continental Finance has also ignored my request for all information billing information pertaining to my credit card account ending in XXXX. 
I want my credit card and my billing information as I have requested under the Fair Credit Billing Act. Thank You for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, 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:
EQUIFAX IS REPORTING FRAUDULENT AUTO LOANS ON MY REPORT. THEY WILL NOT REMOVE THE FRAUDULENT ACCOUNTS WHICH IS AGAINST THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX and my request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them a letter, dated at XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$990.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX A ) XXXX Balance : {$720.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}

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 2022-07-21
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CREDIT COLLECTION SERVIC Reported : XXXX. XXXX, 2022 - {$0.00} This collection agency stated and harassed me to pay the debt from XXXX XXXX and they would do pay to delete. This is still reflecting on credit & paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Experian Information Solutions Inc.
State: MI
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:
My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XX/XX/XXXX to a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XX/XX/XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.

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 2022-01-31
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I opened this loan back in XXXX  with borrowing only {$250000.00}. The home I bought then was {$300000.00}. My father gave me money to put down on the home which was {$45000.00}. I financed {$250000.00}. Today this company is saying I owe them more than what I borrowed from them. I have paid them many many many many many many many many YEARS of XXXX monthly. 
The original loan was with XXXX 
I trusted the local mortgage company sponsor to affirm a safe company to trust and do business with. 

Im a mother of XXXX children. The government has fed us and gave us medical coverage. 
Ive had this mortgage for XXXX Years and leaves at this same address for these XXXX  years. 
1.This company will not tell me my payoff amount. ( I have the house sold ) Im trying to pay them. 
2. This company wont give me my amortization. ( My entire payment history ) - for 6 Months I have been on them for this report. They say they will slug mail it and do not. This is the same answer they give me each time I call. The information of what I paid thru the entire XXXX years they will not turn over. 
3.with a divorce XXXX years. The home is now being sold and I noticed they charge me for insurance {$2000.00}. Its actually {$1000.00} a month. 

Im a single mom Just XXXX XXXXXXXX XXXXXXXX for XXXX years now. 
Im trying to sell the home as its not upside down anymore and this mortgage company wants my home. They want to sell it. 
They are making my task of paying them off impossible. Please help me Ill go on live news if needed. They have killed so many families with these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: ERC
State: FL
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:
Under the FCRA, I request an investigation on the responsibility and the amount of this collection ( ENHANCED RECOVERY COMPANY ( XXXX : XXXX XXXX ) XXXX Opened : XXXX. XXXX, 2021 Balance {$990.00} ). It was already paid off to the original creditor. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: ALLY FINANCIAL INC.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
An auto loan of {$17000.00} was taken out on a used vehicle. 
The vehicle was a total loss on XXXX/XXXX/16 due to a XXXX. 
XXXX/XXXX/16 Ally bank fraudulently quoted XXXX XXXX an outstanding loan balance due of {$25000.00}. 
The same day XXXX XXXX issued a payment to lien of {$25000.00} to Ally bank The outstanding amount was actually {$16000.00} which was credited to the account XXXX to pay off the car in full. 
Ally Bank owes me ( $ XXXX {$16000.00} ) = {$9100.00} since XXXX/XXXX/16 over 30 business days since the loan was paid in full. 
I have spent over 10 hours on the phone with Ally Bank which has as of today XXXX/XXXX/16 has said they have not prrocessed any payment to me. My rental car insurance ran out weeks ago. This is outright fraud on the part of Ally Bank. I have no assurance they will ever pay me the money they owe.

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 2022-01-31
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX XXXX and my request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, dated at XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: NJ
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The loan originated XX/XX/XXXX with a principal of {$140000.00}. In XX/XX/XXXX the XXXX of XXXX loan modifications was granted by the lender. The pre-modification unpaid principal was {$140000.00}. The newly calculated unpaid principal became {$160000.00}. In XXXX XXXX the XXXX loan modification was granted by the lender. The pre-modification unpaid principal was {$XXXX}. The newly calculated unpaid principal became {$180000.00}. The bank has been contacted on multiple dates and included conversations with a variety of representatives from different departments. How can a loan origination increase by 28 % or {$39000.00} ( {$180000.00} - {$140000.00} )? Does a consumer have the legal right to understand loan calculations prior to approval? Is the practice of mortgage principal increases common with loan modifications? Is it legal? Or just unethical? What are the options for an equitable solution? The task of receiving answers to these and many other questions have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Capital one bill was due on the XXXX of XXXX. I paid my bill on the XXXX using my XXXX XXXX XXXX account. I spoke with a Capital One representative on the XXXX when I noticed they had sent an email stating I still owed money when I just paid them a the full amount the day before which was XXXX when my bill was only XXXXUpon speaking with the rep from capital one she said it was because I was a first time card holder and it was the first time paying my bill they had to call my bank and verify if the funds where actually available. On a conference call with the rep from Capital One and myself, the rep from Capital One called XXXX XXXX  verified the funds where available only to tell me that the account was none transferable and I had to wait 7 days for the money to be returned and pay it using the checking account instead of the savings account I previously used which was the same XXXX XXXX  account. Last Thursday I was notified by email that the balance was cleared I then called Capital One to pay my bill which I did only to find out that my account had been closed. The refuse to allow me to reopen my account and they have impacted my credit score when I paid my bill on the XXXX of XXXX when technically it wasn't due until the XXXX of XXXX. Now that the account is closed they are still telling me I owe them XXXX.

Company response to consumer: Closed with explanation