BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is reporting XXXX invalid / cancelled XXXX XXXX, GA property tax liens on my consumer credit report. They refused to remove these items in the dispute process, despite proof of cancellation and the fact that the property in question was already surrendered and bank owned at the time the liens were placed. The XXXX XXXX XXXX Court and Tax Assessor 's Office has cancelled all liens in my name - I have provided documentation of this as part of my complaint. 

The state of GA does not require courts to report cancellation of liens to credit bureaus, and all of my efforts to resolve this matter directly with Transunion have been unsuccessful. Transunion refuses to consider any additional dispute of this information, and plans to keep these invalid, cancelled tax liens on my credit report for up to 10 years from the date of 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 2016-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TransUnion is showing an account that was settled in full as a charge off. This is impacting my ability to get a mortgage. This originally showed on all the credit bureaus but they made the change after the first request with supporting documentation. TransUnion has been contacted three times via XXXX XXXX, with no changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26
Company: MacDowell & Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a collection letter and sent debt validation letter within 30 day period. company continued collection activity by calling me twice before verifying debt attempting to collect asking if i wanted to make arrangements to avoid litigation. they lied and said that they sent verification but they did not. they " claimed '' they sent to the incorrect address. both times i told them that i did not want to discuss until i received verification. they finally sent the verification and when i opened their letter, it was dated 3 days after their last phone call to me where i told them i would not discuss this until i receive proper verification. i was called again last week and told them i was researching what they sent me and they gave me a deadline and threatened to sue me again. the information they sent me was fabricated and unauthenticated. also per XXXX not only did the oc lie about the sale of the vehicle, they failed to send proper legal notices and is not due a deficiency judgement. and they better not lie in their response because i have every single detail well researched and documented. this has stressed me out completely and i have spent hours of my time researching this issue when i should not have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
i disputed this information on my credit report : account receivables performance # XXXX with all the XXXX credit report bureaus because of inaccurate information, XXXX and XXXX responded with the deletion of the unverifiale and inaccurate information, however transunion refused to delete and claims this information is verified, i believe transunion did not do a proper investigation on this account, i do not owe that amount indicated in the collection account, this information is causing great harm to my profile, i want to give transunion the opportunity to delete this information immediately, before i escalate this dispute through a legal process. i have attached copies of the outcome of the disputes that i sent with the the other credit bureaus including transunion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I bought a water softener for our new home and financed it. I paid off the loan within the first month. XXXX of the credit agencies is still showing the total amount due and has me at a lower score.

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 2015-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have ( 1 ) 30 days and ( XXXX ) 60 days late on my credit report. I 'm trying to re-fi my house, this loan has been paid in full and early. The company has refused to help me, the late payments were back in 2010. when payments were late we always called to get help from the company. They would refuse I was in between jobs but had always was on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All three reporting companies ( XXXX, Experian, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. 
These are listed as 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 2017-01-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX Unverified Account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You 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 2015-10-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have XXXX inquiries dated XXXX XXXX, 2017 from XXXX XXXX XXXX. I did not authorize this or sign anything to have my credit pulled.

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 2015-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My credit monitoring service reported a negative change with Experian. Since my credit score is normally around XXXX i take my credit very seriously. Right away i filed a dispute with Experian online XXXX advising the account is not mine as i dont know the creditor nor do i have knowledge of any business with that entity nor ever received any bills. On XXXX Experian emailed me to advise the item remains on my credit report. Surprised, i called the company reporting the item. They quickly verified the item does not belong to me based on my SSN and DOB. I provided the contact name and extension as well as the info from the creditor they used to verify the account is not mine to Experian via phone on XXXX/XXXX/2016 to XXXX in their XXXX. She re-opened the dispute. I just got back the results today advising the item remains. How is that possible when i already verified with the creditor they show reporting the item, as well as provided details of whom there verified it is NOT my account. Experian is not doing their job properly and i need this item removed from my credit report. Experian has my SSN and DOB. Why cant they compare that against what its being reported and determine it is indeed not my 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 2016-06-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX decided to send information to the credit reporting bureaus and alledge medical debt ( XXXX ) in total without proper verification. This should not be on my credit report because I told them I am working with my medical insurance companies to see if the charges are correct and this debt has not been properly verified and investigated.

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 2016-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
According to my XXXX XXXX, XXXX, Experian Credit Report the following items should have been removed : XXXX card, acct # XXXX ...., date it should have been removed XXXX XXXX. 
XXXX card, acct # XXXX ...., date it should have been removed XXXX XXXX, XXXX Card, acct # XXXX ... XXXX date it should have been removed XXXX XXXX. 
These cards were taken off of XXXX and XXXX but not Experian. Since they are past due to come off Experian, according to their report anyway, I am asking that they be removed ASAP.

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 2016-08-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I hired a company to address this issue but has not been able to rectify the issues. I sold my home in XXXX 2015. XXXX was paid in full and has sent me the documentation. The title company has confirmed with me the balance was paid in full. The bureau is stating it was legally paid for less than the amount owed. Each month it is reporting delinquency and my credit score goes down every month.

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 2016-03-24
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015 I sent a validation letter to the Phoenix Recovery Group requesting information on an account they claim I owe. They provided a respond in XXXX XXXX, 2015 to validation with an investigation of debt owed. They provided a contract of the original creditor along with a itemized sheet/description of charges. On XXXX XXXX, 2015 I responded by requesting additional information related to agency fees and additional fees. They have not provided a response to the XXXX XXXX, 2015 letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hi, I refinanced a loan I had with Loancare a Service Link company of XXXX XXXX, VA. and went to a different company when I refinanced the loan on XX/XX/XXXX. 

I requested on XX/XX/XXXX a refund of my loan XXXX as Loancare was paid on XX/XX/XXXX. This was not enough time for the autodraft with XXXX   XXXX XXXX to stop the autodraft. I called Loancare on XX/XX/XXXX requesting a refund. I was informed to reach out to their research dept. I was given a reference # XXXX. In my initial letter I took a screen shot of the amount taken from my account. I was informed by XXXX on XX/XX/XXXX that it would take 7 to 10 business days to receive the overpayment/refund. On XXXX I contacted Loan care. I spoke to XXXX. XXXX informed me she would expedite the case on XX/XX/XXXX today I reached out again to check the status of the refund, I was informed by the supervisor, XXXX in XXXX, the refund is being delayed because I did not have the tracing number. The screen shot was not sufficient. This has caused a significant delay. I was only told the tracing number would be needed today. Not previously. I explained that I am not working. I asked XXXX if any other information would be needed to receive my refund and was told the tracing and loan number. I informed the supervisor I would be filing a formal complaint as I should have been told this from the beginning. She did apologize.. None the less I will need to wait several weeks more to get the refund back and the loan was paid off on XX/XX/XXXX. I would be appreciative if you could assist in expediting my refund. 

Thank you Very truly yours, XXXX XXXX XXXX XXXX number with XXXX is XXXX My Bank XXXX  XXXX XXXX XXXX XXXX XXXX XXXX of checking XXXX ACH transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Element Global Services
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sounds like I 'm being sued. Calls everyday with same harassing robo message. They neglect to identify who 's calling, therefore I will not answer, especially while I 'm at work. Message is obviously meant to intimidate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A collection from DEVILLE MGMT showed up on my credit report. I have not outstanding debt. I tried to contact them but the information on their website is just puts you in a holding pattern and no one answers. Also no communication about the debt just showed up on credit report as mixed CC???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-13
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX was originally in the names of XXXX and XXXX Original loan was then sold to a company called XXXX out of XXXX. There was several attempts to contact them about a payoff on the loan. First call, no payoff was given, but a letter was mailed out. A check was mailed out for the payoff on the loan, on XXXX/XXXX/17 and never cashed. Then several attempts were made to call about receipt of the check, and they said XXXX was not a on the loan. This statement was incorrect. Payoff letter did not state that the amount due could not be paid by personal check or that the amount must be paid via wire only. It states " FUNDS XXXX BE WIRED ''. Very misleading. They had the check for over XXXX days and it has still not been returned. It seems that every time you call the XXXX number for XXXX, you can hardly get a person. They make it very difficult to navigate or get information from their company. There are so many menus to go through and then the system just hangs up. Then when you get a person, they wo n't tell you anything. They have made paying off this loan very difficult. This company is NOT consumer friendly at all. I advise not using this company. This company is listed as : SLS, XXXX, XXXX, CO XXXX Phone : 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 2015-03-27
Company: RFNA, LP
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX I was mailed a check and paperwork with it stated that it was real money and if I cashed this check I would be obligated to repay the loan ... In XX/XX/XXXX my now ex girlfriend became XXXX.. In XX/XX/XXXX I lost my job and it was n't until XX/XX/XXXX that I gained another job that paid halfway decent. Throughout all this we managed to make the payments on this loan.. Then in XX/XX/XXXX we just did n't have the money ... We called and made a partial payment, we tried to make a partial payment the following month and they would not accept it ... So I stopped paying as they told me they were turning me over for legal action ... Meanwhile they have continued to call, we just did n't answer, they continued to send me mail stating they were proceeding with legal action ... About a week or so ago, my ex called me to tell me she had gotten a letter from them stating I now have a court date for XX/XX/XXXX I believe ... I then contacted them as while they have been sending all these collection notices they have also been sending more of those checks hoping I would cash another.. Which I have not.. Cant afford the loan I do have ... Anyway I contacted them and then went to see them this morning.. I took them a payment and told them I needed to know when I took out the loan, how much I borrowed and how much I have paid back.. I also wanted to know my balance ... The original note was for XXXX on XXXX XXXX, XXXX Then in XX/XX/XXXX I borrowed another XXXX ... They combined the loans and I had been paying XXXX a month until I reached a point I no longer could pay that amount ... Today I was told my total loan amount was for XXXX I have paid in XXXX. XXXX ... I have a balance of XXXX outstanding ... How can they legally do this to me? I will never get out from under this debt.. I figured it up and its like 72 % interest ... Is n't this illegal? What are my options here? My gf and I are no longer together, I am playing catch up on all my bills as I had to pay hers as well because she was unable to work ... I can not afford to pay these people 150 some dollars a month and I need some help ... I am of the opinion this company as well as others like it go through and get peoples credit scores and then in knowing they can not afford a loan, would not be approved for a normal loan, they then send out these checks to the poor who need help.. Then when the poor cash the checks they are in a vicious debt trap ... And they harass you sometimes calling XXXX-XXXX times a week wanting to know when they can expect their payments ... Please someone I need help with this as they are finally taking me to court.. Is there really a judge that will order me to pay this note at 72 % interest?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-01
Company: First National Collection Bureau, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which both have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently requested that Santander Bank ( our mortgage holder ) would suspend the escrow account requirement for property taxes on our mortgage loan. At the time of our signing, we were told we could apply for such a waiver in 2 years after good standing on our loan. When we applied for the waiver in due time, we were informed of a fee of XXXX of our mortgage balance equaling {$460.00}. This fee is unexplained, inappropriate and unfair. At no time at our signing or in our phone conversations with the bank was such a fee described or explained.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed