BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am not able to remove a credit freeze I may have put on my account when I was disputing some items. Now I ca n't get credit because most places say that they can not pull my credit due to a credit freeze. I was trying to get my free credit report on line but because there is a Credit Freeze, I was not able to get any of the reports online. I try to contact all XXXX bureaus but non offer an online or telephone call to remove the CREDIT FREEZE, please help, they are killing me with denials due to unable to see my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have asked Transunion 10 times to please send me the original creditors documents on file to verify that this information is mine and is correct but they have fail to do so the law states if the reporting agencies can not verify this info it must be deleted I have also asked when they verify the accounts please send me the name of whom ever they they spoke with about the issues the federal law clearly states I have the right to ask for the info

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 2017-04-30
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX ,  XXXX  Specialized Loan Servicing LLC  XXXX .  XXXX   XXXX   XXXX , CO  XXXX  Dear  Sir/Madam, You  continue to send me information re : research but have not updated my account to reflect the information provided to you by  XXXX  who sold you the loan.  XXXX  sold my loan to SLS and I am paid until  XXXX   XXXX . SLS does not acknowledge this and continues to mark my account past due.  XXXX  has provided the information  3x pe r my request and still no change in my account status or SLS acknowledgement in violation of RESPA.  ( 12 U.S.C. Section 2605 ) An SLS representative called the w eek of  XXXX  and informed me that SLS is aware that I am paid until  XXXX . I requested this in writing but as of  XXXX  have not received this acknowledgement and there is no change to my account status. Am I to assume you will not honor the account status relayed to me by phone on  SLS  continues to send information to the wrong address ( see attached notices ). My correct address, which I have sent to SLS via official  XXXX  notification and which  XXXX   ha corr ectly noted, is :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , GA  XXXX  Contact dates and times. All calls are recorded :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    ID #  XXXX  Received RESPA notice on  XXXX  which SLS has already violated  XXXX   XXXX  ID #  XXXX  No name ID #  XXXX   XXXX   Executive Ser vices says they do not have information that I am paid until  XXXX   XXXX  Was told my rep that there wer e hundred of loans sold to SLS that SLS has not processed correctly and for whi ch they have no information.    XXXX   XXXX  no ID # Requested welcome letter and payment notice and received information on an Automatic Payment Program  XXXX  Requested  XXXX  send another payment history to SLS  XXXX  The most thorough call where details of the account were discussed  XXXX ,  XXXX  automated calls with no change in status Received a notice that research is being performed on the account. Research for 2 months when the information was provided by myself,  XXXX , and I was told research was being conducted on  XXXX / XXXX / XXXX ?    XXXX  A notice that {$570.00} is due to bring my account current, but my account is paid until  XXXX   XXXX  per the information provided to SLS by  XXXX .   The statement received shows a past due amount of $ {$420.00}, but I am paid until  XXXX   XXXX .     SLS is sending notices that they are researching while sending statements that my account is past due, when I am paid until  XXXX   XXXX .      XXXX   XXXX   XXXX  Account #  XXXX  Consumer financial Protection Bureau #  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 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My credit report showed a credit inquiry by your company that I do not recall authorizing I understand that you should not be allowed to put an inquiry on my file unless I have authorized it Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit This account is paid I have sent this letter because I need your prompt response to this issue Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed If you find that I am wrong and you did have my authorization to inquire into my credit report then please send me proof of this

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 2016-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.

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 2015-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have file a dispute various times with Transunion for the XXXX accounts that are being reported on my credit report XXXX. However Transunion indicates that they verified the information as correct but in fact I am no longer liable for this account because XXXX has informed me that they no longer own the account. XXXX informed that they could not bill me for this account because they no longer owned the account and could not provide me with an itemized bill in order to review and pay. So I request immediate deletions of this account however Transunion is indicating that the have verified this account as accurate. This item has not been verified please see Below : Investigation Results Current File File Number XXXXReport DateXXXXDispute Open DateXXXXNameXXXX XXXX XXXX XXXX XXXX, PR XXXXCompletion DateXXXX Account informationITEMDESCRIPTIONRESULTSXXXX # XXXX VERIFIED, NO XXXX # XXXX VERIFIED, NO CHANGEI am requesting inmediate deletion of these accounts as there is no information on record to verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX OF XXXX XXXX accounts not related to me disputes was sent 3 times but problem is not resolved

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: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I had a security lock removed from Experian. I have a letter from Experian that permanently removes the security freeze. I recently applied for credit and was told that Experian once again has a security freeze that will not allow any creditors to check my credit. An Experian Rep. stated that I put another security freeze only account. This is absolutely not true. I would never, ever put a freeze on my account again. Experian refuses to remove the freeze immediately. This is going to cause problems with a company that is trying to check my credit now. I hate Experian.

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 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an unsecured loan on my credit that is not mine. I don't know how this company got my information or if this is an error : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX ph # XXXX. 
Date opened XX/XX/2019 Balance is {$4500.00}. 
Please remove 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 explanation
Consumer complaint received 2016-06-20
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
We are paying XXXX loans for my daughter - all of which were set up for automatic payment. We recently changed our bank, and had to change the automatic payments. From the Sallie Mae Website, I was unable to change the bank account information, so I called them. After a 10 minute wait, I reached a representative, who informed me that I had to first CANCEL the existing auto withdrawals, wait 3 business days for the cancellation, " wait an additional 3 days to just to be sure '' and then enter the NEW information. This caused us to be past due on XXXX of the XXXX loans ( XXXX did n't get cancelled - not sure if that was my mistake or Sallie Mae ). 
As a result, I have received a total of 9 calls from their " robot dialer '' - several on Sunday, when their " customer service '' was not even available. The accounts are now current ( paid today electronically on their web site ) ; but, I still ca n't set up the new automatic payment until the checks actually clear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX, I had a car on loan with Consumer Portfolio Services. After medical and subsequently financial reasons, I could no longer keep the car. In late XX/XX/XXXX, after continued harrassment and threatening calls from CPS to me, my parents and friends, I agreed to give up the car. I was paying CPS {$450.00} per month, which exceed the value of the car and loan amount. There were times when I was late, but was always able to catch up. CPS sold the car for approximately {$5400.00} ( which would indicate the mint condition of the car ). CPS starting contacting me, my parents and friends again stating that I now owed them {$8000.00} more. I finally ended up changing my telephone number, but my parents are still called with scare tactics as if they are personal friends of mine and something has happened. My mother has called several times worried until I was able to calm her down. I recently pulled my credit report and discovered that CPS is falsely showing that I was paying them {$47.00} per month in order to keep the account open. I am not able to purchase another car as my credit report reflects that CPS are still holding the account open four years after selling the car. I pray that something can be done regarding this matter. I appreciate your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Yes, I am a XXXX American on XXXX I graduated college XX/XX/2015. I have not been able to find a job pertaining to the degree I earned at the University I attended. I can not make my monthly payment to Sallie Mae. I tell the agents my problems and the only thing they tell me is to pay a XXXX to defer loans for one month. I recently check my loan status with Sallie Mae the deferment is not placed on my account. I 've asked several times based on my issues for a reduction in my monthly payment or term extension. My interest rate keeps changing I told me rate for Sallie Mae is a fixed rate not a adjustable rate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX, XXXX and Equifax reporting for Acct Number : XXXX : On Equifax, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on XXXX it is reporting Date of Last Payment as XX/XX/2012, and on XXXX, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Revenue Recovery Bureau (Closed)
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Provider Recovery Network has contacted me to collect an outstanding debt for about {$11000.00}. On Friday XXXX XXXX, after repeated negotiations, they called and agreed to settle for {$5.00}. However, they are refusing to put their offer in writing. I have pleaded with them several times to no effect. They seem to be very adamant about their position, and refuse to explain their reasoning. Repeatedly I am being told that they can only offer a receipt for the {$5500.00} after the money is received. My fear is that they are being deceptive and will demand more money after receiving the settlement amount. 

In addition, it appears that they are in violation of the law. According to US Code, Title 15, Chapter 41, Subchapter V, 1692e : '' A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representations of:2 ( a ) The character, amount, or legal status of any debt. 
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

It is my understanding that by not committing to their settlement offer in written form, they are clearly misleading me and have a false and deceptive representation of my debt. Verbally they are saying I owe {$5500.00} ; however, the actual statement is over {$11000.00}. Again, my fear is that after receiving the initial settlement offer of {$5500.00} they will use this money as leverage and will demand more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has an impossible process to dispute inaccurate information. They wo n't let you dispute anything unless you buy a credit report. You do get the free annual report, but that report number expires and then you have to buy a report in order to place a dispute since you can ONLY dispute with Experian with a current report number, that they sell to you at a profit. After this, you are directed to go to Experian.com/upload to upload supporting documents, which never are able to be uploaded, limit of XXXX and black and white, and even when you follow the directions and try to upload the most simple of documents, you can not do it. So then they make you send by mail, which I am attaching the message they provide. They require to you provide excessive information, which then they will SELL or use to invade your privacy, requiring information that is NOT REQUIRED in order to process a dispute when you HAVE DOCS to PROVE a dispute. 
They want 1. a drivers license, 2. a social security card, 3. a utility bill. This information in totality is REQUIRED to send to them IN THE MAIL are they kidding??? Because when you are able to dispute online, you DO NOT have to provide this completely invasive information to them, but the online upload does n't work, since it 's too small or whatever the scam is, in order to REQUIRE you to provide TOO MUCH INFO especially not necessary, when remember, you already had to BUY the credit report. This is a phishing scam by Experian, a deceptive and abusive practice that they are doing. The only way we can now dispute ANYTHING is by providing information that they should n't have for a dispute process. We ARE entitled to a correct credit report, and we ARE entitiled to not to have to mail in a set of docs that are 1. not their business and 2. dangerous to put in any type of mail, XXXX, XXXX, etc, because the totality of those docs together are crazy. Even the credit reporting company should not be trusted to have those in their possession, especially for a dispute. Furthermore, XXXX and XXXX DO NOT play this deceptive game, they allow online disputes that actually work, and they do n't make you buy the report to do it, or provide all those docs that can get someone a passport, mortgage loan, government benefits, tax returns, you name it. This is illegal, and the response they give better not be policy and protection, because that 's you know what.

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 2016-03-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian Has been notified and provided documents proving that the collection is invalid, and that XXXX, has not perfected the Collection, and that XXXX is reporting Improper and Inaccurate information as well. 

XXXX has been sent multiple certified mailings, and has failed to address ANY of them, and/or to provide verification of the debt. 

The " supposed '' debt was paid in a settlement agreement on my behalf by XXXX, and in addition XXXX is representing the debt as being in XXXX, when indeed the Last Delinquent Payment Period was XXXX XXXX. 

The debt was paid, and in addition the Statue of Limitations expired on this account as well, being it is WAY past the one year legal requirement for Federal and State of Florida, AND the credit card debt is greater than 7 years as well.

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 2016-05-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX continues to falsely report an account closed in XX/XX/XXXX as an Open Account, thereby negatively affecting my credit utilization. This is deliberate ( letter dated XXXX XXXX, XXXX attached ) and both XXXX and Experian were informed, but both insist on compounding the erroneous and possibly illegal information as this account was originally charged off in XXXX XXXX. XXXX XXXX can not take the tax credit charge-off in XX/XX/XXXX and subsequently list it as an open 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 2016-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
when to car dealer and was informed on Experian I was shown cr score XXXX, then a week later cr union show the score XXXX. My question how come it when down from XXXX what I was shown to XXXX. XXXX took place on the same date XXXX/XXXX/16

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