BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Sometime in XXXX 2015 I disputed a negative item on my credit report ( trans union ) pertaining a lien filed against me, before this dispute i contacted the federal XXXX Lien Office and XXXX XXXX Clerk as well. The XXXX XXXX Lien Office provided me with a XXXX XXXX Lien Withdraw letter with docket # ending with XXXX and also serial # ending XXXX. On trans union their docket ending with XXXX Registry XXXX and for New York XXXX XXXX Docket # ending with XXXX is the wrong information concerning docket 's of XXXX XXXX clerk 's office of the NY XXXX XXXX Lien and as well as XXXX XXXX Lien. Please have these information removed from my credit report as missed information by law and policy. 
Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient calls 4-8 times per day starting at exactly XXXX and ending at around XXXX. They have refused to offer an affordable repayment plan and have denied me a forbearance request during a layoff period. A previous forbearance request over a year ago was met with a XXXX " fee '' due at the time of the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I had a business account with PayPal, which I used as a credit card processor and had a Debit Mastercard to access funds. My account had a negative balance on it, which is why they would keep any funds transferred on to that account. However, after a short time and without any notice sent to me, I was no longer allowed to login to my Paypal account. When I follow the website 's prompt to I contact them via email, their website requires me to login. Furthermore, because of this problem, I am unable to access my financial data for FY 2015 and any necessary documents or information for my tax filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After Carrington Mortgage Services purchased my loan from XXXX, they never notified me and I missed a payment. The next month, after realizing, I went online to make a payment and they would not allow it. They said I had to register with XXXX XXXX and send the $ that way. This did not seem right, so i did n't do it. I then contacted them again and they said I had to pay both months. At the time, we were not able to do that, so they asked me to fill out the loan modification paperwork in order to get that payment rolled back into our mortgage. This started a grueling nightmare project for 6 months of filling out paperwork, faxing XXXX pages at a time and then them continuing to say they never recieved it. I sent all the paperwork, completely XXXX different times, yet they " never received it ''. I called many many many times, trying to get this worked out, only to be put on hold for XXXX minutes, or to be told they needed something else ( that I had already sent ) or even re-telling my entire story becaus eno one had made record of it. For 6 months they let this go on. When I finally got everything in ( or more like they found it ) they processed my loan modification and then came back and said we did n't qualify and our house would go into foerclosure if we did n't pay the full amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Complaint Description : We 've received XXXX property tax bills within 2 months. We 're requesting they be paid from our escrow account but our lender is delaying the process. When we purchased our property we had to pay a significant amount to fund our escrow account. As a stipulation from our lender, and have the account impounded. Since XXXX we have paid each month into our escrow account faithfully and was advised by the representative who we signed our closing documents that we have overpaid and are still overpaying the necessary amount into escrow. To date our mortgage company has only made XXXX payments from our escrow account and sent us an overage check because we overpaid. In XXXX we received a supplemental tax for XXXX fiscal tax year with half due XX/XX/XXXX and in XXXX our new property taxes for fiscal year XXXX with half also due XX/XX/XXXX. We have contacted LoanCare on several occasions and have sent documents via fax, email and even certified mail to no avail. When asked who we could file a complaint with they say there was no one we could speak with but that the matter would be escalated. We had to go as far to contact our original loan officer in order to get a response and assistance and even now we are still at step one. After all the battling they are saying they will only pay half of the first supplemental tax bill but they will not pay the other half because the funds to pay the remaining balance would not be available which makes no sense according to their own calculations. Their balance of our escrow account is incorrect we were told by one representative and the title company that we have one amount and another that we have another. And they 've refused to explain what happened to the original amount we funded the escrow account with when we signed our closing documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is now letting XXXX XXXX state on the payment status of a debt the it has been " REFINANCED OR RENEWED '' .Thats weird because to refinance is to start the term over at a defferent rate $ $ $ and renew is to reseason the account in which no payment was giving to the collection agency so how is this allowed and hownis this even possible???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I had a security question that I once resided at XXXX XXXX XXXX XXXX, NY.I replied 'NO ' that I never resided there and was unable to access my credit report. I never lived there, however my ex-husband lives there. I reported this to Experian in the past and I never received a written response although I sent a letter with proof of divorce etc.. Please have that information removed from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
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:
XXXX / Dob XX/XX/XXXX REPORT XXXX TRANSUNION CC Consumer Financial Protection Bureau I 'm exercising my rights to requesXXXX XXXX XXXX t verifiable proof of negitive events you have listed in my credit file The 15 U.S CODE & 1681g - Disclosure to consumer requires CRA to disclose the sources of information reguarding the XXXX XXXX XXXX XXXX Mn XXXX negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
XXXX XXXX LATE PAYMENTS and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the 15 U.S CODE & 1681g disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was recently notified that credit was requested from XXXX and XXXX. I am currently XXXX with the XXXX XXXX and have not requested credit from either of these sources. I am trying to remove both hits from my credit report as it should not be shared with others and should not affect my credit score because it was not me placing the requests for credit. I have also placed an XXXX alert on my account. When I contact Experian at the phone number provided to place the XXXX XXXX alert it took multiple calls as I was hung up on without ever being given the option to place the XXXX XXXX alert or speak with a person. I finally was able to find my way through the automated system to place the XXXX XXXX alert but have been unable to find a way to dispute the XXXX and XXXX credit checks that appear on my credit reports. Both XXXX and XXXX have acknowledged that neither requests for credit were actually requested by me. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A month ago I sent in a complaint to you about XXXX having informed me that information was compromised and that an at XXXX was opened in my name. I didnt do it. I complained to XXXXthey deleted the account along with a sprint account. They then said that they will contact the other XXXX agencies and have it removed as well. It was deleted. But as of today, its listed on my Equifax and XXXX credit report when it wasnt last month. This has been going on for months now. They deleted it from all reports but now its back on my XXXX and equifax. I demand them to be taken off those reports. They are not mine. They were fraudulent accounts opened in my name. Ive attached the letter that experian sent in the very beginning Having to write all this again is very frustrating and time-consuming. In addition, I did get an autoloan ... at 20 % ... its because those XXXX accounts are on my report when they should n't have been. In turn impacted the interest on my auto loan. XXXX says my XXXX is XXXX no accounts in collections. They got it right. Then XXXX says the other XXXX CRA XXXX and EQ is XXXX XXXX. I dont understand but I demand that those accounts be deleted. There 's been a number of complaints that I have submitted. So I 'm a little confused as to who needs what and what ngoes to who. I think I 've attached the right documents

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there is a XXXX XXXX account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion had an error in their system, many inquiries were deleted and a week later it was re inserted, but a legal procedure was not followed. I spoke to customer service, they were very rude saying i was not affected by it. However, I was it was an error in their end. I did not receive any notification regarding this inquiries and that they will be added back to my report. Please help

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 2016-06-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
My CD matured on XXXX/XXXX/2016. Prior to the due date I contacted Ally Bank to arrange for a partial redemption on the CD on the maturity date. I have spent literally hours on the phone and on hold trying to get a portion of my maturing CD funds transferred to my checking account. As of XXXX XXXX I am still on hold trying to get my funds sent that were supposed to be sent on 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 2015-06-29
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account has never been charge offAccount Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit LimitXXXX XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX $ XXXXnever charge off paid in fullAccount Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit LimitXXXXHide Details XXXX XXXX/XXXX/XXXX {$100.00} XXXX/XXXX/XXXX CHARGE-OFFXXXXXXXX, WI-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Trans Union requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am having a problem with TransUnion , LLC providing me verifiable proof of an original consumer contract with my signature on it, from XXXX XXXX XXXX XXXX that is listed on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through original signature. Under the FCRA, unverified accounts must be removed. I have mailed XXXX letters to TransUnion requesting copies of my signature to no avail. I need help with this request 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 explanation
Consumer complaint received 2017-03-24
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently contacted XXXX approximately on or about XX/XX/XXXX to request an affordable Home Modification Plan as a result of circumstantial medical hardship. XXXX approved/granted me a Trial Modification Plan on or about XXXX. Trial Modification period was for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Surprisingly, in the middle of the Trial Modification Process, the new Bank, LoanCare made contact with me by letter on or about XX/XX/XXXX to inform me that my mortgage loan had been transferred. Confused, I contacted the bank, LoanCare with questions and concerns regarding the security of my home, Trial Modification Payments, and contract agreements I previously had with XXXX. Upon receiving the confusing news of my loan transfer, I had already submitted XX/XX/XXXX and XX/XX/XXXX payment to XXXX. I was informed by LoanCare Representative, XXXX ( XXXX ) on XX/XX/XXXX, to submit the final Trial Modification Payment to the new financial loan servicer. The Rep. also indicated to continue submitting new monthly payments until further notice. I never received any further notices, until I received a letter dated XX/XX/XXXX ; informing me that they were no longer honoring the Trial Modification agreement. And, that LoanCare would be making every attempt to foreclose if I did not satisfy 2 years of mortgage debt, which was the time-frame of my hardship. 

I also received an email from LoanCare Rep, XXXX on XXXX, citing erroneously of not finding or receiving my last and final Trial Modification payment in their system. 

I am very disappointed and stressfully concerned with the possibility of losing my home as a result of LoanCare 's unfair mortgage practices regarding the process of my approved trial modification plan. I feel that this large financial institution is taking advantage of an unsophisticated consumer such as myself, by engaging in unfair and/or deceptive conduct during my Trial Modification Process. I feel the cost of a mortgage is substantially more than the benefit the borrower receives from the loan. I am in need of urgent assistance from this agency to resolve this issue fairly.

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 2015-06-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
HRRG called to request payment on a debt. I requested verification that the debt is valid. They refused to provide statements or any other means of verification. In addition, they spoofed their called ID to make it appear they were calling from XXXX, CO when they are actually in XXXX, XXXX - Deceptive

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, 2015 the original credit reporting company ( XXXX ) submitted my name to the XXXX credit bureaus for deletion ( XXXX reference # XXXX ), and while XXXX & XXXX have removed my " open acct. derogatory mark '' from my credit report ... Transunion continues to report this erroneous {$1.00} open collection debt on my credit report - which has had direct impacts on services I 've sought. I 've contacted Transunion who informed me that they must here directly from the collection agency. If XXXX & XXXX were notified that my name / open collections derogatory mark from their records ... I 'm sure Transunion was notified as well ; however, they have refused to remove this derogatory mark from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed several accounts on my credit report that are related to ID Theft. I also submitted a copy of my police report, victims supplemental financial loss report, and a signed ID Theft Affidavit. 

XXXX XXXX XXXX, XXXX BANK XXXX ... XXXX BANK XXXX ... XXXX XXXX ... .XXXX XXXX BANK 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 explanation
Consumer complaint received 2015-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I rented an apartment to XXXX XXXX managed by XXXX XXXX. XXXX XXXX sent me a bill stating that I owed {$54.00} for a gas bill. I showed them a letter from XXXX XXXX that I did not owe them anything. XXXX XXXX letter stated that I 've been paying my utility bill to them since I 've established it before I moved in. I continued to pay my rent and the management company continued to send me letters stating I owed them money. The management company started of with saying I owed {$54.00} and continued to increase it to {$6000.00}. The management company filed a suit against me for none payment in XXXX 2014. I was not properly notified and filed a motion against them. In XXXX 2014, my case was heard in front of the XXXX Circuit judge. The management nor their attorney showed for the hearing. The judge dropped the charges. Upon, recent review of my credit report, I noticed the management company sent {$9000.00} debt to a collection agency. I had the state 's attorney 's office investigate. XXXX XXXX stated that my bill for the gas bill has increased to that amount. I disputed it stating that a hearing was held in XXXX 2014 and was thrown out by the judge. This company has illegally placed a debt on my credit report that is not mine, they did not notify me nor did they try to dispute it again in court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A significant discrepancy in remaining tax liability, state accounting incorrect and was disputed over a lengthy time period. Once an agreement was achieved we could move forward. Lein has been released and is required by law to be updated to reflect accurate status.

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 2015-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report is showing I am in collections both for XXXX XXXX and XXXX to an address in XXXX MA. The problem is I have never been a subscriber to XXXX and I have never lived outside of XXXX, MA.

Company response to consumer: Closed with explanation