BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO
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:
My loans from the US Dept of Education ( Federal level ) have been in default. There are 11 loans in total. 
My loans are apparently handled by the US Dept of Education and a Collection Agency called ConServe. 
I had a federal tax offset of {$4200.00} which was handled by the USDept of Education. I called and spoke with ConServe and the USDEdu, asking if I could apply my offset to specific loans so they would be paid off. I was told their policies does n't allow for this and they will divide it among all 11 loans equalling about {$380.00} per loan. Doing the financial analysis on this, that is pointless as the interest will accrue and make that money worthless. 

I spoke with the supervisor at USDEdu, named XXXX, Employee number XXXX and she told me they will apply the money to the loans of my choosing. I confirmed that this is OK to do from the Department of the Treasury. About 2 weeks ago, around XX/XX/XXXX, I called back the US Dept of Education to confirm which loans I wanted the money applied to.. Strangely, the balance they gave me on these loans was suddenly {$400.00} more than the previous week when I received my loan information from XXXX. I asked to speak to XXXX about it but they claimed they have no employee there by that name and have no way of verifying employee extensions. 

Frustrated, I reluctantly let it go for the time being. Today, XX/XX/XXXX, I contacted ConServe to verify those two loans were indeed paid off. They are now telling me that the money was applied to ALL 11 loans per the US Dept of Education guidelines, and there was a note in my account on XX/XX/XXXX by the US Dept of Education saying they would not apply the money in full to the loans in question. ConServe basically always tells me theres nothing they can do and to contact the US Dept of Education. The US Dept of Education always tells me theres nothing they can do and to contact ConServe. I do n't understand why I ca n't apply MY money, the way I want it applied to MY loans. This seems like unfair practices designed to work in the creditors favor and oppress me as the borrower who is trying to take care of these loans. 

It is also my understanding that tax offsets can not be applied to collection fees, and I believe they have done this as well based on the sudden {$400.00} increase per loan but they refuse to send me a financial statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I provided a letter to Equifax that contained an AUD number for the deletion of a collection account entered by XXXX XXXX XXXX in the amount of {$240.00}. This should have resulted in an immediate removal following verification of authenticity. Furthermore, I gave the AUD number to the representative, XXXX, that I spoke with on XXXX/XXXX/2016. I understand that most cases would require a XXXX investigation but the credit bureau has been given the tracking number for the deletion which should expedite this matter and they have chosen to ignore it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This federal tax lien was paid and WITHDRAWN through the XXXX and should have been removed from my credit report. I uploaded the form from the XXXX to Equifax and disputed it XXXX, but they say they keep verifying with the XXXX County tax recorder office. I 'm attaching the form from the XXXX verifying the lien was paid and approved for withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax has deleted closed trade lines that would be considered positive, well before the 7-year and/or 10-year reporting time frame. By comparison, Equifax continues to report closed trade lines that would be considered negative. The other credit reporting agencies have continued to report these trade lines despite the fact that Equifax has removed them, without reason, and without being consistent with their other reporting methods. I would ask that Equifax investigate and re-add these missing trade lines to my credit report, since they are younger than the 10-year reporting threshold.

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

Complaint:
I have very little credit history, so when I try and request my credit report it wo n't let me because my address, current employment is not up to date and it has little credit history to validate as well. I just want to correct my address, and that I do not have an employer now, but I now receive XXXX as my monthly income now. I have also disputed quit a few open accounts on my report for various reasons and they are suppose to be investigating that but I have not heard anything.

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 2015-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a car loan with XXXX XXXX that was paid off in XXXX 2012. I had a very good professional relationship with the company and a excellent payment history. I recently checked my credit reports online and I was very surprised to see the credit bureaus are reporting this account with a lot of negative history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Admin Recovery, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today XXXX XXXX, 2015 a representative called my home phone XXXX times s well as my cell phone XXXX. The representative call my home phone even after we spoke. This is a violation of the Fair Debt Collections Pracrices Act 15 USC 1692d Harassment or Abuse specifically 806.5 '' Causing a telephone to ring or engaging any person in telephone conversation repeatably or continuously with the intent to annoy, abuse or harass any person at the called number. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Look. I am trying to get a credit card? All I am trying to do is pay my bills. Have legit job. BUT all these credit company. All I asking for a credit card. To open a business an started. I been discriminated on because company 's like XXXX XXXX. Other credit card company 's

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Complaint wrong furnisher XXXX/XXXX/XXXX This complaint is in reference to wrong furnisher reporting on a XXXX account. Currently this account is reporting under furnisher XXXX XXXX XXXX subscriber # XXXX The correct furnisher is XXXX XXXX XXXX subscriber # XXXX. 
The FDIC has stated on XXXX/XXXX/XXXX the account belongs to XXXX XXXX XXXX and I have been instructed that they are to receive the FTC Fraud Affidavit. 

I have notified XXXX XXXX XXXX through there represented on XXXX/XXXX/XXXX that the FDIC has stated that XXXX XXXX XXXX is the owner of the debt. However XXXX XXXX XXXX continues to report as furnisher. 

I believe I need to file the FTC Fraud Affidavit through TransUnion with a FCRA 605b attached, so that the account can be blocked from my credit report. 
I do not want my FTC Fraud Affidavit to accidentally be sent to the wrong company. 
I believe each company has there own policies and procedures for handling FTC Fraud Affidavit, therefore it would seem important the FTC Fraud Affidavit went to the right company. 
Please see attached letter sent to TransUnion on XX/XX/XXXX and letter from FDIC dated XXXX/XXXX/XXXX stating the account belongs to 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 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
1.Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX is reporting XXXX XXXX mortgage payment as late, this payment was made on 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 2016-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion has consistently allowed XXXX XXXX XXXX XXXX to report accounts that were protected and included in a 2008 bankruptcy to my credit profile. XXXX XXXX has failed to comply with the Fair Credit Reporting Act with the help of Transunion by using them as a means to attempt to collect a financial debt that is no longer legally responsible for re-paying. Transunion has failed to review my evidence and continues to accept the creditor updates. After many failed attempts at trying to resolve this matter, XXXX XXXX and Transunion leave me no choice, but to take legal actions against them. I am not delinquent on any mortgage account with XXXX XXXX XXXX XXXX because I do not have an obligation to pay any balanced owed or due in accordance with my bankruptcy discharge injunction. My injunction is a permanent injunction. Transunion and XXXX XXXX are in violation of both my injunction and the FCRA by reporting an account for greater than 7 years in a delinquent status. Those accounts should be removed after 7 years. XXXX XXXX re-aged the account in order to continue reporting on the account. XXXX XXXX reported that account with a derogatory status beginning in XXXX of 2008 ... nearly 8 years ago as a bankrupt account. Since they know they ca n't legally report on this account any further they know that the incompetent staff at Transunion will accept their paperwork and ignore that of the consumer. Transunion is irresponsible in their duty to protect the consumer from prohibited practices and false reporting. Transunion is the only CRA that is allowing this practice. I am going to take legal action against Transunion and XXXX because this is my final attempt at getting the to correct the problem. I have attached a letter from my attorney that clearly states I do not owe XXXX any money and they can only enforce the lien.

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: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Convergence Outsourcing have been told not to contact a specific number ( XXXX ) because it is a business number. Even after requesting them to cease and desist of contact they continue to call me, completely ignoring my request. They have been reported to the FTC once before, and no action have been taken, especially when this is a complete violation of the FDCPA. I feel they are continuing to contact me in attempt to harass me and my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I discovered a Georgia State Lien on my credit report in XXXX XXXX. I called the court in XXXX County and was told it was paid. I informed the credit bureau and the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit 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 non-monetary relief
Consumer complaint received 2016-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Reinserted previously deleted information. Transunion once had XXXX removed which is now reinstated back on my credited 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 2015-07-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian Inc. is acting as creditor, which is against the law. The credit reporting agency restricts investigation, indicating that they have already investigated the matter, and wo n't do it again, which is n't allowed, unless its found to be without merit, but each investigation has to judged on its own merit. In respect to Experian, there are XXXX entries on my credit report which are reported inaccurately, and a mountain of inquiries that are n't mine. The inaccuracy of credit reporting by Experian, anyone who knows any variation of your name, your actual address, and a made up social security number can access your credit report, which has happen, XXXX times on mine. Additionally when asked to verify other than by statement the accuracy of any account, Experian states that they verified it. In the last XXXX months Experian has reported an account XXXX, with account number XXXX, indicating the status, while the actual credit report in information has n't been updated in XXXX months. The Creditor reporting agency is acting as creditor for the purpose of collecting payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
experian will not correct the incorrect information that is reporting on my credit report with my XXXX account. This account is reporting as a 30 day late payment from XX/XX/XXXX. It has been confirmed several times that this information is incorrect. I never paid this account late. I have submitted and disputed this information numerous times and now experian will not allow me to re-dispute this incorrect information. This account is reporting as potentially negative and is schedulaed to go to a positive status in XX/XX/XXXX. This account should be listed in accounts in " Good Standing ''. I never paid this account late. My credit score is being affected in a negative way because of this wrong information.

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 2016-09-02
Company: Pacific Union Financial, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am finding the 3 day disclosure rule for a refinance not very effective, first of all there is a 3 day right of recission so why do we have a 3 day disclosure as well, getting this orchestrated and the timing correct delayed my closing so many times it took several months to work it out. 
Then on my purchase I am not sure since my contract CLEARLY STATES the seller is paying my title insurance why does it have to be charged to me then credited and why is the loan amount disclosed at promulgated rate when I 'm paying reissue credit. This is so confusing and I have a financial background, I ca n't imagine how confused consumers with no financial background are navigating this new CD. I think you need to rethink this CD or at least how you disclose, just stick to the facts, if seller is paying allow seller to pay, if simultaneous issue rate put that on be upfront.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX, XXXX Experian To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX XXXX XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. Convergent Outsourcing XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. DEPT OF ED/XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is one of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. DEPT OF ED/XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the one appear on my id docs XXXX XXXX Perform an investigation about this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. University XXXX XXXX XXXX I feel the monthly payment amount, terms and status should be verified, because I understand they could be incorrect please do your job and correct it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A medical collection was added to my account on XXXX, XXXX. I paid it in full on XXXX, XXXX. Per the terms of the agreement for the XXXX XXXX XXXX XXXX, this medical collection should be removed since it was paid in full. It should also have been pulled from my credit report as it shows that the account with the original creditor - a hospital - was opened on XXXX, XXXX, with the collection being reported 90 days later. This eclipses the 180 day waiting period required before entering any collection information on the credit report - per the XXXX XXXX XXXX XXXX. This collection should be removed under at least one of these requirements.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are 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 non-monetary relief
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX has a collection on my Experian credit report stating that I owe them. I have communicated to them that this debt belongs to my ex husband and not me. I have never had the vehicle, when I went to divorce court the judge signed that this debt belongs to husband. I have also communicated this information with this company.

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 2016-09-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
my credit is set up under XXXX XXXX for a purpose. The landlord/ management of this mobile home park in XXXX illegally checked my credit. How do I know this? the mobile home park sent me XXXX and XXXX XXXX as there is their right. However, I signed the lease as XXXX. XXXX XXXX only Experian, XXXX XXXX, and XXXX know anything about XXXX XXXX the lease signature is attached

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