BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I Informed Transunion on XX/XX/2022 @ XXXX, after receiving my consumer report and noticed two hard inquiries I did not make personally. 
XXXX XXXX XXXX. XXXX I informed the operator I had a fraud alert on my account already, but he was not willing to delete the inquiries. I made him aware of Consumer Law section : 15 U.S Code 1602 ( j ) & 15 U.S Code 1611 ( 1 ).

I would like the items deleted and block from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: IL
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 U.S. DEPARTMENT OF EDUCATION # XXXX, has violated my rights. 
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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ASSETCARE LLC for committing identity theft. I have never given ASSETCARE LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ASSETCARE LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ASSETCARE LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ASSETCARE LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ASSETCARE LLC continues its collection efforts, I will file for litigation for actual damages caused and ASSETCARE LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I 've contacted Citimortgage for many months to request help on reducing my monthly payments with a reduced interest rate and longer time to pay off the mortgage. I XXXX in XXXX this drastically reduced my income, I provided proof of my very limited resources but they are not really abiding by the rules of FHA where help is giving on the income to mortgage payments ratio. Instead I received a letter saying that I am authorized for a short sale! This is insulting and not acting in good faith, they want me and my wife to live on the streets now? After I have paid on time for almost 2 decades, they are holding this against me instead of helping. This short sale approval will affect my credit? Is it reported in any way to credit bureaus? This is NOT acceptable, I did n't ask for short sale, it is insulting they offered me this. I want a mortgage payment that is aligned to my income. Instead the guy that told me they ca n't help me implied/suggested I should default to be considered for help! What kind of institution does this? Please look into this matter and help me get a more affordable payment, the interest rate is actually high

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 2017-08-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried applying for loan modifications. The lender is not communicating and just giving us the run around. We submitted a lot of documents as supporting documents but they will not give us explanation to why its not going through. My husband has XXXX XXXX since 2012.He is still working and under medical supervision and we continue to work in our business. It is best for us to to keep our house and willing to work with the lender. My XXXX year old mom who has XXXX and XXXX brother. Selling will put us in worst situation. Please help us we just want to try to keep our house.

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 2022-09-04
Company: EQUIFAX, INC.
State: DE
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:
Hello My name is XXXX XXXX XXXX, I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to buy a home for my family and with these items on my report I won't be approved. I ask that the items be corrected on my credit report. I reported the theft of my identity to the federal trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Everyone is saying that you will not tolerated XXXX XXXX XXXX/ Ocwen Loan Servicing LLC . To continual harassing the consumers but Im not be treated with the respect, dignity, and fairness that I deserve. I would like to send you proof that OCWEN is still up to their old tricks. AHMSI mortgage payment was not behind, but the mortgage company force place insurance. The new insurance company sends the information to the mortgage company. I change insurance company. I fine an insurance that would insurance my home for half the amount of my old insurance. 
I do not have an escrow account with my AHMSI mortgage company. I pay my own Taxs and Insurance and I do it on time. But my AHMSI has opened an escrow without notified me until after paying a cancel insurance policy. The old company did not cancel I wrote a letter telling them to cancel and phone call ; I end up getting the insurance commission involved. This has been going on for over nine ( 9 ) years at this time. 
Through bankruptcy chapter XXXX I received this mortgage contact, and I am not pleased with what Ocwen Loan Servicing LLC presented to me. The payments began onXX/XX/XXXX how I can make a payment on XX/XX/XXXX when I just received the contact from you to review XX/XX/XXXX Ocwen Loan has changed the contact and I decided to consult an Attorney for a second opinion, and I found out that : Interest rate is the only thing that looks appropriate in this document 19 years payment vs. 30 years is not good for me and this also changes my contact. 
I did not want it but they gave me a BALLOON PAYMENT, now its a balloon Interest Bearing Principal Balance that group interest this also change my contact. 
Interest, Escrow, and Monthly payments all adjust when everything I had before was fixed. 
I need someone to look into this matter as I do not accept this mortgage modification that was presented to me. I have been advised not to sign anything and if needed, to take further action to expose this fraudulent mortgage business practice. I look forward to your prompt reply. 
The mortgage insurance has pay off the mortgage you can check MERS website and it look like it was done before the foreclosure procedure was done. 
MERS MIN : XXXX Note Date : XX/XX/XXXX MIN Status : Inactive Servicer : Ocwen Loan Servicing, LLC Phone : ( XXXX ) XXXX, XXXX XXXX XXXX, FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I tried to pay off my auto loan with XXXX XXXX XXXX they said they would wait until XX/XX/XXXX for my payment because I was paying my car in full I paid said car loan off and now are saying I was 30 days in which I wouldve only been 16 days late late on my payment on the day it was paid in full

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 2017-08-24
Company: Experian Information Solutions Inc.
State: NJ
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:
From XXXX 2011 to present, all 3 major credit bureaus reported an extended late payment history on my account ( XXXX ) by the creditor/student loan provider, XXXX XXXX or XXXX  XXXX XXXX XXXX XXXX Assistance XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.

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 2018-06-01
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted XXXX XXXX ( Exchange Credit Program ) and submitted letters validating this debt, and documentation that this debt was opened under duress from my ex-husband and that it was assigned to him in the divorce proceedings. I also submitted a cease and desist notice regard inaccurately reporting this information and unfair debt collection as they have garnished over {$5000.00} from my income tax returns and the balance never decreased respectively and I never received notice that this debt was delinquent when they began the garnishment. As it was assigned to my ex-husband and I moved away, I had no knowledge of the accounts delinquent status. I submitted court documents proving he was responsible I even provided his contact and personal 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 2021-09-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted XXXX regarding this inacccurate information on my credit report and they have yet to remove this inaccurate info. In addition I have contacted the source in which they claim to have verified the information and that stated, in writing that they have no record of any information and no idea why XXXX XXXX is reporting this lie. I have called them and they have given me nothing but the run around. I need help because this is adversely effecting me.

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 2017-09-08
Company: EQUIFAX, INC.
State: CT
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: Problem with personal statement of dispute

Complaint:
I was n't aware that checking to see if I was effected by the equifax breach via their website by inputting my last 6 of my SSN and my last name was excluding myself from a class action law suit. I was not notified before checking. This is XXXX shady. I was CHECKING! I  have n't signed up for anything yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS INACCURATE ADDRESSES AND PERSONAL INFO from my credit report immediately.

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 2018-04-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I signed up for an XXXX XXXX XXXX promotion -- internet and XXXX for around a {$100.00} a month for two years. When his first bill in XXXX was nearly double that, he complained to XXXX XXXX XXXX. 

" Every month I open up your envelope and you go, 'OK, what's the surprise this month? ' '' After, making multiple complaints to customer service I continue to get passed around with different information. At the end I was constantly placed on hold and problems was never resolved. Due overwhelming frustration I cancelled the service ; however, the continue to charge me. Now the have a collection agency {$2200.00} ( ERC # XXXX ) XXXX XXXX  XXXX XXXX FL XXXX. Every time I asked for validation of this bill the collection sells the dept and then a new collection agency attempts to collect a debt that's not owed. 

Basically, I was scammed, buy a bait and switch method. Because the never honored the promotion ; plus the cable service was always shutting office and the WiFi had a weak signal which continue to boot me off of the internet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The Credit bureau stated XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX  Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) I ) ( i ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2021-04-16
Company: IQOR US INC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I paid off {$1300.00} of a collections balance to remove a family member as a cosigner from my account with the company. I received a receipt stating the cosigner was removed and I would be responsible for the remaining balance. I still owe a balance but my cosigner is still being called about the loan. My cosigner has begged them to stop calling her and has told the company I have not lived at that number for years. I told them the same when I spoke with them and begged them to stop calling my cosigner because she is elderly and sick. She is extremely stressed and is being harassed at this point. They continue to call and my cosigner stated the company told her they will not stop calling her because I still owe a balance. I was assured after the {$1300.00} payment was made to release her as a cosigner that no more calls would be made to her. I simply want the company to stop calling my cosigners home and to stop harassing her.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 tried to call companies several times to which they have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX, TRANSUNION : XXXX XXXX  Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - Finance XX/XX/XXXX XXXX XXXX Credit Bureaus/Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXXXXXX XXXX XXXX  Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX US SM BUS ADMIN ODA XXXX XX/XX/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 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I reviewed a copy of my currrent credit report and show inaccurate information with creditor name XXXX XXXX account number XXXX. This account has been satifed and paid as agree with no balance which is to be reported as {$0.00}. I have contacted XXXX XXXX you advise that this account is closed and paid as agree with no late payments. This account is still shown as open with a balance which is incorrect. I have sent mulitple dispute with no reply.

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 2019-08-30
Company: Grant & Weber
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
the debt is been paid on monthly payments {$150.00} XXXX, {$60.00} XXXX, {$60.00} XXXX, {$50.00} XXXX {$50.00} XXXX Check XXXX. As long XXXX XXXX cashed the payments, there is no reason to report incorrect information in my credt report. The issue of monthly payments were explained to the debt collectio agency on about XX/XX/2019. No additional demand of payments was made corresponding by mail ; consequently, their tactics to collect this debt is illegal.

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 2022-09-04
Company: EQUIFAX, INC.
State: IN
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:
I applied for a car loan after speaking with a salesperson who said they would guarantee me the rate and the price I was looking for. They also agreed only to pull my credit through their business and nothing else. They ended up pulling my credit 5 times, told me I was approved for a different amount and then never returned my calls or texts. This was XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I went to another car dealership. I asked for the same thing - one credit pull. They did, and I was approved for XXXX XXXX XXXX When I came in person to the lot to find a car, the employee said the person who originally pulled my credit wasnt available so he would have to start the process over. I told him I didnt want my credit pulled again, could he just look at the results from before. He said yes, but still pulled my credit from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have been building and working on my credit so I can refinance my home in my name. I do not want hard inquiries piling up. I went to get a pre-approval for a credit card and I discovered multiple hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( twice )XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The last two hard inquiries I do not recognize at all.

Company response to consumer: Closed with explanation