BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-22
Company: Performant Financial Corporation
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Debt collector, Preformant Reco, telephone number XXXX has made repeated calls to my place of business. These calls continue after multiple requests to XXXX & XXXX. Company persists in calling and has been told that the employee they are attempted to contact is no longer with the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
- I Got a Experian Credit Report on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX in my credit report. 

- I Sent Experian a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - Experian received the Dispute Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- Experian Fraudulent Verified this Unknown Collection account on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as Collection Agency XXXX XXXX XXXX. 

- I Sent a Debt Validation Letter as per instructions from Experian to Collection Agency XXXX XXXX XXXX on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - Collection Agency XXXX XXXX XXXX received the Debt Validation Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- I Sent a Debt Validation/Dispute Follow Up Letter to Experian with a copy my Debt Validation/Dispute letter to Collection Agency XXXX XXXX XXXX, on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX along with proof of the Collection Agency receipt of the Debt Validation/Dispute. 

- Experian received the Debt Validation Follow Up Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- Experian refused to properly investigate and once again Fraudulent Verified this Unknown Collection account. 

- As of XXXX/XXXX/2016 the Collection Agency XXXX XXXX XXXX have n't sent me any answer to the Debt Validation Letter - As of XXXX/XXXX/2016 I have never received any kind of contact from this Collection Agency XXXX XXXX XXXX - As of XXXX/XXXX/2016 Experian is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my Experian 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 explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: OH
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:
MY DESPUTES CAME BACK VERIFIED FOR BEING ACCURATE FOR XXXX, ACCOUNT XXXX 1.DATE OPEN IS ININACCURATE. 2.TERMS ARE INACCURATE. 3.HIGH CREDIT IS INACCURATE. 4.LAST REPORTED IS INACCURATE. 5.DATE OF LAST ACTIVITY IS INACCURATE. 5. DATE OF LAST PAYMENTIS INACCURATE. 6.PAYMENT HISTORY IS INACCURATE. THESE ARE THE THINGS I SEE THATS INACCURATE ON MY EQUIFAX, XXXX, AN XXXX CREDIT REPORT WICH IS GROUNDS FOR REMOVAL. AND THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY. AND UNDER 15 U.S.C. 1681 SECTION 604 A. STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITIN 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 ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES 15 U.S.C. 1681s- ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTINGAGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
MY DESPUTES CAME BACK VERIFIED FOR BEING ACCURATE FOR XXXX, ACCOUNT XXXX 1.DATE OPEN IS ININACCURATE. 2.TERMS ARE INACCURATE. 3.HIGH CREDIT IS INACCURATE. 4.LAST REPORTED IS INACCURATE. 5.DATE OF LAST ACTIVITY IS INACCURATE. 5. DATE OF LAST PAYMENTIS INACCURATE. 6.PAYMENT HISTORY IS INACCURATE. THESE ARE THE THINGS I SEE THATS INACCURATE ON MY XXXX, XXXX, AN TRANSUNION CREDIT REPORT WICH IS GROUNDS FOR REMOVAL. AND THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY. AND UNDER 15 U.S.C. 1681 SECTION 604 A. STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITIN 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 ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES 15 U.S.C. 1681s- ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTINGAGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS ACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My parent 's house had gone in to default as my father is a  XXXX  veteran struggling with  XXXX   XXXX . I decided to pay their mortgages to make them current and called SLS to get a pay off amount. They gave me the amount of {$10000.00} and wiring instructions to their account at  XXXX   XXXX  ; they informed me that the money had to be wired by Monday. I completed the wire transfer on Friday at my local  XXXX   XXXX   XXXX   XXXX  and thought all was well. A week later, SLS sent a letter listing the home for sale. In the following two weeks, they have refused to admit they have received the money and are also refusing to look for it. They have stolen {$10000.00} and are going to take my parent 's house without even attempting to look for this money.

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 2022-05-29
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: Credit inquiries on your report that you don't recognize

Complaint:
on EQUIFAX i had a hard inquiry I disputed because I didn't apply for anything for XXXX XXXX  on XX/XX/2022 then right after I submitted another inquire from XXXX XXXX showed up on my credit report XX/XX/2022. Equifax emailed me saying The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. they didn't do a investigation because I didn't apply for anything they should have deleted not add another inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX XXXXXXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ). 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 2015-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have had these inquiries on my account for a very long time despite disputing them because I never tried to open these account. I had proved that I have been a victim of Identity theft however these inquiries still remain on my credit report and therefore harming me negatively. They are listed below on all XXXX of my credit reports : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A loan modification package has been submitted to the lender for loan modification review/assistance - the lender has refused to postpone sale set for XXXX/XXXX/17 to allow the review to take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My " XXXX '' account. 
This account is reporting incorrectly ... .The balance is being reported incorrectly. The account was paid in full on XX/XX/2016. The reports was updated to XXXX balance XX/XX/2016. 
On the XX/XX/2016 thru XX/XX/XXXX Trans Union appears to be reporting the balance incorrect. The new balance as of XX/XX/2016 was {$1.00} XXXX statement. 
According to XXXX they claim to have reported {$1.00} as the current balance XXXX/XXXX/2016. However the balance is still reporting at {$1400.00}. Request was made to Trans Union on the XX/XX/XXXX to update to the correct/attached to a XXXX Balance. 
Please have the correct updates made to reflect the correct reporting/balance/High credit limit. 
Thank you, 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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Convergent Account # XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX  XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 instructionsI

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 2022-05-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 has reporting agency can not furnish a account without my written instructions.

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 2022-05-29
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX  XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX  XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Credit limit : {$300.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Informed by XXXX that the servicing rights to my mortgage loan was to be handled by another company and as of XXXX XXXX, 2015 they could no longer accept my mortgage payment. Also, informed by XXXX that they were missing a payment that I show through XXXX XXXX XXXX the payment was negotiated ( cashed ) as all payments are sent through credit union. XXXX also increased my escrow requirements more than XXXX just before the transfer and did not justify. I made contact with local tax office and insurer and the billings do not justify the increase. XXXX letter provided a number and address of SETERUS and the contact information failed to produce a person to speak with only a recording of information that is to come at a future date. XXXX says they can not correct the records even with proof as my account is now with this company that is only represented by a recording that goes into a continuous loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX2022 I received my property tax bill in the amount of XXXX which I forwarded to my mortgage company Mr. Cooper screen shot attached. On XX/XX/XXXX2022 my mortgage servicer stated they were still looking into my issue. Then on XX/XX/XXXX2022 I was sent a disbursement check in the amount of XXXX which I used to pay my property tax bill since there were no longer enough funds in my escrow account to cover my property taxes of XXXX and I did not want to become delinquent. Then on XX/XX/XXXX22 Mr Cooper paid my property taxes in the amount of XXXX which is incorrect and I want XXXX refunded to my escrow account and requested this back on XXXX XXXX, 2022. My query is still unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
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:
I have disputed these accounts several times over the years but they continue to violate FCRA guidelines : - XXXX - XXXX XXXX - Incorrect Utilization Reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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:
XXXX According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX XXXX and Experian Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, XXXX and Experian are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate 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 2016-10-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a mattress from XXXX XXXX on XXXX/XXXX/XXXX and chose to pay the mattress with their interest-free financing promotion given that the balance of {$5000.00} was paid in 36 months through GE Capital, which is now Synchrony Bank. I needed to set up my monthly payments online, and at the time, the only option I had was to pay the minimum payment each month. On GE Capital 's website, I could n't set a custom amount for the monthly auto-payment, as I wanted to ensure that I pay my balance completely before the 36 months. 


Every month, GE/Synchrony sends an email to my inbox with a summary of my statement, which contains only three pieces of information : due date, balance, and minimum payment due. The email does not display at all when the interest-free promotion will end. To further exacerbate the problem, the monthly emails from Synchrony went to the " clutter '' folder in my inbox and did n't get my attention until it was too late. 


When I finally had the chance to log into my account on Synchrony 's website on XXXX/XXXX/XXXX, I was shocked to see that I now have a balance of {$5800.00}. I learned that the promotional date ( XXXX/XXXX/XXXX ) was passed without any prior warning. I was able to see the promotional end date only after logging in to my account on Synchrony 's website. I pulled up my original purchase document and saw a statement saying " If the promotional purchase balance is not paid in full by the end of this Promotional Period, interest will be imposed from the date of purchase at the APR of 29.99 % ''. It became apparent to me that the minimum monthly payments I could set up three years ago did n't adequate cover the full purchase price. Still shocked at the revelation, I checked my statements from earlier this year and saw that the monthly payment to Synchrony kept decreasing every month and is no longer the amount that I first set up with. 


The significant problem with this loan structure is that all of the accumulated interest is put on the consumer all at once after a certain date has passed. What 's worse is that for people like myself who did n't recognize the huge balance increase right away, the auto-payment is still in place and is draining away my bank account every month. I feel that Synchrony set up the structure of the installment loan to not fully inform customers up front in order to profit as much as possible from consumers, which does n't feel right.

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 2022-05-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 has reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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 states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-10-04
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notifications from XXXX  XXXX also XXXX  that I have a collection notice from National Credit Adjust ( NCA ). This company hasn't notified me of this debt before flagging my credit report I have no knowledge of this debt and who is the original debt collector. Have reported this inquiry as fraud. the amount of the debt reported is {$420.00} that this company haven't contacted me for me to dispute this account I have no knowledge of this debt.

Company response to consumer: Closed with explanation