BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-20
Company: ACS Education Services
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After graduation, I put my loans into deferment so they would not have to be re-payed until XXXX. In XXXX, I had consolidated my loans and the representative said that ALL of my loans would be consolidated. I had sent her all of the Loan information received from my school showing which loans paid the school and how much each loan was. I had made my XXXX payment with the consolidation in XXXX. Every payment I had made with the consolidation company was on time. During this time, I had plans on purchasing a house. In XXXX, we had gotten preapproved and started looking at houses. We had put an offer down on a house late XXXX, and when they ran our credit once again, it showed up with XXXX over XXXX day late payments to ACS. I had never received a bill from ACS. They have never tried to contact me, but they reported on my credit report that I was over XXXX days late, and now I am reporting XXXX days late. This is significantly affecting my life, as now I do not qualify for a mortgage. ACS made no attempts to collect, and as shown on their website I have never made a payment and that is because I was unaware a payment was due. In XXXX, ACS had sent me a XXXX  statement which showed the XXXX loans I owed, and what my Yearly Interest rate would be, and showed on the XXXX statement that my XXXX payment would not be due until XX/XX/XXXX. If I was sent a XXXX XXXX XXXX statement, with information showing that I did not owe a payment until XX/XX/XXXX, how would it be that when my credit report was pulled in XXXX, I show XXXX days late? When speaking to ACS, They can not provide me an answer as to why I was never sent an invoice, and why they failed to contact me to inform me my loan was over XXXX days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$57000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1600.00} ), XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$1800.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1000.00} ), XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, XXXX {$13000.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-07-22
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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/XXXX my mortgage company did multiple reallocations that amounted to subtracting payments totaling {$8300.00}. It resulted in adding over {$4500.00}. to principal, and almost $ 2k to  escrow and interest, each. OnXX/XX/XXXX, In  their detailed payment statement ( that I requested ),  that amount was distributed back into my account, but it never happened. All that was shown for XX/XX/XXXX was a payment received. * I have called since XX/XX/XXXXrequesting an explanation and review, at least every other week. I have been assured of : a review, a call back within a few days and a written explanation but, have received none of these. The review of the Escrow account did finally result in a refund in that part. I have brought this information to my accountant, and we had a group discussion with the Customer Care representative, to the same end. I have turned my file over to him and my lawyer, at this time. I 'm hoping the pressure that your bureau can provide will finally get us a response. Thank you for your time and attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Home Point Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was checking my credit score after being rejected for a job due to the large drop in my credit score. My credit dropped 127 points and said I did not make a payment and it was over 30 days late. I've made all my payments on time and make sure they clear my bank. The show the amount of {$860.00}, but this is not my payment nor would it be if a " late '' penalty was added in. All my payment have cleared on average of 7 days after payment has been made. My normal mortgage payment is {$810.00} and due on the XXXX of each month. 
I tried to call the company, I was put on hold for over 2.5 hours ( I finally hung up ), I put in my loan info, the line rings busy, an automated recording comes on and then hangs up on you. I've sent an email to every email address on their website with no responses. There is no way to contact this company at this point. 
I've files an investigation with the credit bureau and it is in process at this time. 

This has hurt not only my credit, but my fiance as well. 

How is it a company can make such a gross error and we the consumer should just write it off as it has affected our lives. Companies need to be held on their errors and pay when this messes with peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX I contacted Equifax about a collection debt appearing on my credit report that does not belong to me. Equifax informed me there was nothing they could do to correct the mistake. The alleged debt is from the company AFNI , Inc. in the amount of {$1000.00}. I do not have a signed contract nor any contract with AFNI, Inc. I have never done business with this company. I am not liable, nor am I responsible for collection from this alleged debt with AFNI, Inc. This negative mark is affecting my XXXX XXXX heavily. Please investigate this matter and remove this inaccurate information from my credit file with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was messaged for a job on XXXX, they sent me fake checks to purchase my equipment for the position. I was told to transfer the money to a vendor they worked with, after the third day XX/XX/22 of transferring money I stopped due to suspension of the amount of money I was being told to send. I immediately filed a complaint to my bank BECU and a friend filed a fraud report to the FTC with the provided case number XXXX. My bank today XX/XX/22 suspended my account, told me they are unable to cancel the transactions and leaving me in {$7000.00} in debt in which the fake checks totaled to. They took what I had in my savings to help pay for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I noticed an account has been opened without my consent. Truist does not have an email listed online. I did not open an account with BBT or Truist. I received a text from them about logging in. See screenshots attached of text.

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 2018-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent several letters to Portfolio Recovery Associates and XXXX XXXX XXXX about the debts listed with their companies. I have asked repeatedly for the actual applications from the company they are collecting for. I get the bills and letters stating that the debt is valid. They have severely damaged my credit to the point I had to hire a credit repair agency. And they are charging me {$1000.00} an account and it's four accounts. I can not afford to have this incorrect information on my credit report due to my employment. These accounts have damaged my reputation so much that I can not get promoted due to the negative accounts. 
XXXX is {$570.00} XXXX XXXX is {$350.00} both with Portfolio Recovery Associates. Letter sent XX/XX/XXXX. XXXX XXXX XXXX has these accounts XXXX {$330.00} and XXXX {$1000.00}, Letter sent on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: CarMax, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, entered into a credit consumer contract with XXXX XXXX XXXX in XX/XX/2018. They have not been responding, nor have they done the proper investigation requested. This has seriously hurt me as a consumer, and has caused a lot of stress. This debt has not been validated. They also shared my private information which is also a violation according to 15 USC 1681a ( d ) 2 ( a ) i.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: MD
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've been in contact with XXXX since XX/XX/2018 due to the incorrect reporting of my loan structure and misinformation during the time of my loan setup. 
The first issue is my loan is being reported on my credit as three separate loans based on disbursement when the online XXXX website two balances. Group A and Group B ( Which you would think means 2 loans ) However, after missing 6 months of payments which I thought would only be 6 missed payments- I've now received 18 missed payments for those 6 months and I was never told that I had three loans. Online it actually only shows that I have two groups ; meaning two loans. I was never told that my one payment was being dispersed to three different loans and If I missed one payment I would miss a total of three because I thought that If I was paying off three accounts I would have three payments coming from my card and not one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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've been in contact with XXXX since XX/XX/2018 due to the incorrect reporting of my loan structure and misinformation during the time of my loan setup. 
The first issue is my loan is being reported on my credit as three separate loans based on disbursement when the online XXXX website two balances. Group A and Group B ( Which you would think means 2 loans ) However, after missing 6 months of payments which I thought would only be 6 missed payments- I've now received 18 missed payments for those 6 months and I was never told that I had three loans. Online it actually only shows that I have two groups ; meaning two loans. I was never told that my one payment was being dispersed to three different loans and If I missed one payment I would miss a total of three because I thought that If I was paying off three accounts I would have three payments coming from my card and not one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
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:
On XX/XX/2021 and again on XX/XX/2021 I sent letters to XXXX XXXX and Equifax concerning a PAID in full charge off that still reports as a negative on my credit report. I provided the agencies with the receipt letter and information. The letter sent asked that the credit reporting agency Remove the PAID in full charge off from my credit report. XXXX complied and Removed the Charge Off from my XXXX  report. After several phone calls and the additional letters, XXXX and Equifax has refused to remove the Charge Off. I will attach the receipt and XX/XX/2021 letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for a loan modification and were given the highest interest rate, 5.5 %. We have been current but it is extremely difficult to make the monthly payment of {$1600.00}. 
We have contacted them to lower the interest rate to make it easier to pay but they want us to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This month I noticed a recurring monthly charge for {$24.00} since XXXX from TransUnion. I immediately called TransUnion and asked what this was about. The first person I talked to said I was not a member of TransUnion and I should not have been charged the {$24.00}. He asked me who was charging me {$24.00}. Confused, I answered - you guys, my credit card says TransUnion has been charging me. He said he did not see those charges and transferred me to another individual. At this point I thought a fake TransUnion was charging me and that I was experiencing some sort of fraud. 

The next individual asked me some questions and then said I was supposed to be charged {$24.00} per month. I said, I don't understand I never signed up for a monthly membership, I requested a credit report once and then immediately cancelled any further recurring fees. She said she could cancel my membership and refund me the most recent charge, but would not refund me the other 6 months. I asked for her manager and she said she was a supervisor in charge. I asked for her name, and she said XXXX but would not give me her last name. I asked if she could send me what records she regarding my monthly membership and she refused to provide them to me. I asked her in five different ways to provide me with records indicating I should be charged {$24.00} per month and she refused to provide me with my records. I told her I had cancelled any membership and she did not care. 

I take copious notes on most of my transactions and phone calls because I'm an attorney and I know memory can fail anyone. When I checked here, I found that I specifically wrote down that I cancelled this membership, like I remembered. I am flabbergasted by TransUnion 's absolute refusal to be transparent provide me with the records XXXX continued to refer to to charge me hundreds of dollars for a service I did not use. Furthermore, I am more shocked when I see my own notes confirming that I cancelled this service, which appears to be confirmed with the first TransUnion representative I talked to who said I was not a member, and then the hostile attitude and refusal to accommodate my reasonable request by XXXX. While on hold on the phone, TransUnion was advertising their free credit reports every 7 days due to COVID. That they would try to, frankly fraudulently, procure hundreds of dollars from me for something that should be free is horrific. 

I thought TransUnion was supposed to be a trusted major credit reporting company - Consumers really only have 3 choices. If 1 out of 3 of these choices appears to be ripping you off, who can you trust?

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 2019-07-26
Company: Experian Information Solutions Inc.
State: NV
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:
This is in regards to my XXXX XXXX XXXX finance loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and XXXX XXXX to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, XXXX XXXX, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from XXXX XXXX to support my claim.

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 2018-06-04
Company: LJ Ross Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Bankruptcy in XXXX  in WI as part of divorce. Moved out of state. Attorney amended bankruptcy at hearing to include utilities. Utilities marked " closed '' on all of my credit reports with a XXXX balance. I did not receive a bill. Attorney told me everything was taken care of. 
Received a letter from L.J. Ross Associates, INC in XX/XX/XXXX. An attempt to collect a debt for XXXX XXXX in WI for {$250.00}. If I did not respond in 30 days they would assume the debt is valid and place a judgement against me for the debt. I called L.J.Ross and was told that it was from XXXX. I should call XXXX XXXX about the debt. 
I called XXXX XXXX and they could not give me a meter reading or dates of service for this debt. The agent told me that they did not accept the amendment to the bankruptcy. Agent also said the bill was larger and they reduced it. I asked why it was 4 years old and was told they sent it to another agency and had recently changed to L.J. Ross who were more aggressive. I stated I have never received a bill before they sent it to any collections. Agent also told me it was out of their hands and I should again call L.J. Ross.

It has been over 4 years without any notification or communication about this debt.

I am told to call the utility company by the collection agency and told to call the collection agency by the Utility company. 
XX/XX/XXXX the collection agency shows up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-07-19
Company: Continental Finance Company, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2021, I viewed my credit report and saw there was a new collections from XXXX XXXX XXXX that is for a very old debt. This debt was closed at least over 10 years ago. I have been a victim of this creditor re-aging old debt which is highly illegal. I've disputed the claim on my credit report and want it removed from all 3 bureaus.

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