BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion is reporting account XXXX XXXX XXXX XXXX, XXXX as paid, 30 days late. However, there's no possible way. Account opened XX/XX/XXXX and current. Current XX/XX/XXXX, closed XX/XX/XXXX. That is NOT 30 days, nor was I ever late on this 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 non-monetary relief
Consumer complaint received 2021-11-26
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a random debt collection from some company called Caine and Weiner on behalf of some other company XXXX XXXX. I have never heard of either one of these companies and do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I believe this account to belong to my father who is a XXXX and I am a XXXX as I have not lived in that state or town since 2011

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Refinanced our home mortgage with XXXX XXXX XXXX. Closed on this on XXXX/XXXX/16. Closing agents sent payments to Citizens Bank to close the XXXX loans on XXXX/XXXX/16. The payoff amounts sent to Citizens were actually higher than the amounts owed on the loans. In excess of {$1400.00} on XXXX loan and {$220.00} on the other loan. This excess was not deposited into our existing Citizens Bank checking account. I called our local Citizens Bank branch office today and XXXX told me that they have the money, they will not put it into my checking account. They will issue XXXX checks to me on XXXX/XXXX/16 because it takes 10 days to process this. Seems extremely unethical banking practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My wife I continue to receive these collection letters from ENHANCED RECOVERY COMPANY, LL attempting to collect a debt. We filed them in our bankruptcy petition on XXXX/XXXX/2015. 

They still continue to violate the Federal Bankruptcy Law. I have also notified our Attorney of the collection letters. Please follow up with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX credit report showed Enhanced Recovery collection account. 
XXXX requested validation from Enhanced Recovery collection XXXX Enhanced Recovery removed collection account from XXXX and XXXX XXXX Enhanced added the account back under new account number and higher amount to XXXX and XXXX credit reports with different open date. 

However Enhanced Recovery never responded to validation request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I think that XXXX is unreasonable for a Saturday, considering that they were looking for a XXXX XXXX, someone who could not have had this number or address for at least 12 years. There should be some due diligence on who has had the phone number. There is on and has not been a XXXX XXXX or XXXX XXXX at this number, so why do I get calls about them 12 years after this number was assigned to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Naviet keeps sending notices that my loans are due and increase interest throughout the pandemic loans have been waived and i am already in a income drive payment plan and they keep saying i have payments when they are included and i sent them documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
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: Their investigation did not fix an error on your report

Complaint:
I contacted TransUnion on XX/XX/XXXX in regards to an account on my credit file named XXXX XXXX XXXXXXXX  Visa. They responded with their generic response that this item is being reported accurately. I then contacted TransUnion again on XX/XX/XXXX requesting that they re-investigate this account XXXX   XXXX XXXX XXXX as being accurate. I advised TransUnion that I had also contacted XXXX  and XXXX with regards to the same account. 

Transunion reports status as Charged Off, XXXX   reports status as Transferred, closed, XXXX   reports this item not currently reporting on the credit file. 

Transunion reports payment history as XX/XX/XXXX OK, XX/XX/XXXX OK, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX C/O, XXXX  reports payment history as XX/XX/XXXX OK, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX CLS. XXXX reports this item not currently reporting on the credit file. 


I asked TransUnion how is it that all 3 major credit bureaus are suppose to report only accurate information, that they are the only bureau that has come back stating this account is mine and reporting accurately. I advised TransUnion that I believe their information to be inaccurate. I asked TransUnion to please send me names, address and phone numbers, who they contacted at the company and copies of documents with my signature showing that I have opened this account. 

I still received the same response that they verified the information as accurate. 
So they want me to take their word for it, however they will not take mine. 

This inaccurate information is jeopardizing my chances with a company that I have applied for a job.

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 2020-03-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is listed on a Alleged deed of trust, a company named XXXX filed suit in XXXX in a XXXX foreclosure and was denied for lack of standing, and according to the Texas secretary of state records XXXX 's name became inactive as of XX/XX/XXXX, then in XXXX of XXXX a Civil Debt collection suit was filed using XXXX  ( inactive ) as plaintiff in asking for both a judicial and non judicial foreclosure, which was granted to inactive XXXX. a foreclosure sale commenced on XX/XX/XXXX R.E.O 'd to XXXX XXXX, a company according to a certified copy of record from the Texas secretary of state is and was terminated as a foreign entity in XXXX and had no rights to bring suit against me, along with the attorneys working on behalf of XXXX, XXXX, XXXX, XXXX and XXXX XXXX. sending me letters stating " this is a debt collector attempting to collect a debt '' but are not bonded in texas as debt collectors according to the Texas secretary of state office, a fraudulent deed was filed in the real property records of XXXX county texas, and Legal Injury was caused by the illegal practices of fraud which resulted in a REO of my property by means of a constables deed and a recent eviction attempting to be served on me currently the sheriff was at my house this morning to kick me out, also fraud deed encumbered property of empty lots for equity on a homestead

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 2017-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Apparently for some reason, Portfolio Recovery Associates. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the three major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed. I disputed this account back on XXXX XXXX 2017 on my XXXX, XXXX and XXXX credit reports to no avail. XXXX XXXX XXXX continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA. In the XXXX XXXX XXXX, American Jurisprudence, 73 AM Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that Portfolio Recovery Associates. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. Portfolio Recovery Associates. is blatantly disregarding the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The company removed information pertaining to fraud on my credit report and has made the information inaccessible to. Furthermore the company has refused to remove addresses that are posted fraudulently on my credit report and has demanded personal identifying information from 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 2016-07-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have tried multiple times contacting Citi for help with my credit card account, each time has been unsuccessful. The first time I waited for 30 minutes and hung up. Second time I waited for an hour before hanging up. An email to customer service yielded a generic apology and reference to how I could not receive a refund of my annual fee.

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 2022-03-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There is a collection reported on my account, and I was made aware of that on XXXX of XX/XX/2022. I called Equifax on XXXX XX/XX/2022 to file a dispute which Equifax confirmed that they filed a dispute, and when I called them back on XX/XX/2022 to know the status of the dispute, to my surprise they confirmed that there was no dispute made on my name. But, when I asked Equifax to check for the call notes, they checked and confirmed that Dispute was made but due to technical reasons it did not go through. 

Since XX/XX/2022, I called Equifax multiple times to get my issue resolved, basically to get my collection of XXXX $ removed from the record as it was paid off and also the collection agency confirmed that by sharing the collection removal letter. 

One of the equifax agents told that they would expedite the request, but the status never changed. Also, Equifax doesn't give an option to me for submitting the collection removal letter online. 

As per FCRA, the issue needs to be fixed within 30 days, but Equifax did not resolve the dispute within XXXX, and also claims that I raised a dispute on XX/XX/XXXX. Please have Equifax share the call notes where the dispute information is logged on XX/XX/XXXX ( multiple calls ). 

Due to this problem, I am unable to get mortgage and got it in contract. Now, the buyer is saying he would sue for the damages if I can't fulfill the contract. I have done my part by called Equifax on XX/XX/XXXX to fix the problem, but because of their poor customer service, the dispute did not go through and now I am facing the lawsuit, and would lose XXXX $ plus legal costs. 

The lender wants me to get this removed, and then he would provide necessary loan which I would like to take and fulfill the contract. 

Also, Equifax is not ready to share any information related to the Call notes with me via email for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: TN
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 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2016-03-28
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:
I have contacted transunion many times in regards to this matter. XXXX XXXX in the amount of XXXX remains on my account after disputing many times because no documentation has been goven to me verifying this is my dept. They only send me my bill to pay them which i know we had no contract. My name is not even spelled right on the bill. Transunion states they have verified my dept to this collector but no verification has been presented to 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 2020-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX, Wells Fargo opened various checking accounts that I had no need for, and erroneously charged me for numerous insufficient funds and overdraft fees. 

Then in XXXX, Wells Fargo initiated a foreclosure process on my rental property. The bank decided to send mail correspondence to the property address instead of my home. I was not notified, until much later, that my account was facing foreclosure. 

The news of the foreclosure prompted me to seek assistance in the form of modifications. In my efforts, I submitted a letter requesting loan modification. By the time Wells Fargo responded back to my modification request, my property was already sold. 

Wells Fargo refused to offer me any mortgage modifications, to negotiate, or offer any assistance for that matter. I qualified for modifications, and had funds to make good on the loan payments. Instead, the house I owned for 22 years, was sold due to being behind only {$9000.00}. Even though, I had enough money to avoid foreclosure. 

Wells Fargo showed bad faith, as they wanted to steal ( in my opinion ) the equity the in the property that took my wife and me years of hard work to build. 

Further, on XX/XX/XXXX, Wells Fargo claimed to have no documentation of my foreclosure. The bank could not find any documentation in relation to my mortgage number or my social security number. Currently, the property has an estimated value of {>= $1,000,000}. 

I contacted Wells Fargo Bank to repair the situation. On XXXX XXXX, XXXX, I received a check from Wells Fargo Bank for {$120.00} and a letter stating " Our priority is to make things right for you. '' On XXXX XXXX, XXXX. I had mediation with Wells Fargo Bank, where they provided me with documentation regarding the checking accounts in my name. There was an account listed with a Crown Banking that I was unfamiliar with and Wells Fargo Bank Forwarded no information regarding the Crown Banking account. 

During the mediation process, there was no discussion of the foreclosure, I experienced. I was advised by Wells Fargo Bank that they had no records of a foreclosure. 

Therefore, we did not settle the matter through the mediation.

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 2022-03-16
Company: Open Dealer Exchange, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX between the hours of XXXX. I contacted credit bureaus and creditors that my personal information was compromised. Credit was applied foe without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Big Picture Loans, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company, XXXX, contacted me a little over XXXX yrs ago reporting that legal action would be taken on me if I did n't settle a debt from CastlePayday. They cited my address, social security number and email address, but they did not have all the correct information and I would not verify a single thing for them. 

I have never heard of CastlePayday and have never taken a payday loan out in my life. I reported XXXX at that time, but never heard anything of it and they stopped calling me as I was threatening that I had already reported them and would continue to do so. 

Now, I just received another letter from them, 2 yrs later, stating the same debt and ways I can take care of it ( attached ). They are a scam. I asked every person I spoke with for their name and would search for them online. When I did n't find them, I 'd call them out and ask them to tell me one social or professional profile of theirs I could look up to verify they were who they say they are ... of course, not one of them had anything to tell me. 

I let them know I very familiar with my credit report and would continue reporting them as fraud if they continued to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: HI
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've called and wrote to XXXX about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.

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