BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Inquiries : XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Transunion : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXt, XXXX and 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 2017-05-26
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Transworld Systems INC repeatedly calls my phone asking for my  XXXX   XXXX   XXXX  daughter for debt collection for  XXXX   XXXX  of {$5.00}. I have called the company directly to get this matter resolved and they continue to run me in circles. I have talked to 3 different people asking for them to provide reason and exclude my daughter out of this and they keep telling me it 's a mistake on their part for not switching over the information. I received paper work after 4 months of having them calling me repeatedly and I continuesly asking for the paper work. The paper work recieved says that they can not run an investigation for the amount owed and they still have my  XXXX   XXXX   XXXX  selected for collection. I did not receive any paper work before hand of the amount due. The initial phone call that I received about the amount due was the collection agency needing payment from my daughter around  XXXX  of  XXXX . This collection is from  XXXX  and I had no record prior for the amount due. My  XXXX   XXXX   XXXX  daughter has not recieved any paper work prior to the initial phone call either. They told me by law they did not have to send any information of the amount due before they sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Said I do not have to pay this month bill due to hurricane damage on phone bill and 2 year later after disconnected from service saying I still owe for that month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$800.00}

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 2020-03-18
Company: EQUIFAX, INC.
State: VA
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:
My Equifax credit report is showing to creditors that I have a bankruptcy on my report. This bankruptcy was valid but had reached the 10 year limit in XXXX of 2019. The credit report no longer shows the bankruptcy under the Public Records section for me to dispute, but is still showing up in the main screen, still affecting my ability to get credit, and still affecting my credit score when it should have been cleared and removed 9 months ago. There was no way to dispute this on the website, I called 3 times to question it, 2 of them I asked for a call back and when they did I just got a recording showing they could not connect the call. The third time I waited on the phone for over 3 hours ( I checked the call timer ) with nobody answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For this account, I bear no responsibility. Even with this, I am not under any contract. I've already disputed this account, but you haven't shown any identification of me. Not mine, this. This can hurt my credit because it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: CT
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:
I first forwarded a letter to all three credit bureaus from XXXX XXXX at the end of XXXX instructing the three credit bureaus to correct and change the comments on the account from " Paid for less than full amount '' to " Paid in Full '' and remove all negative remarks. XXXX and XXXX  did this immediately, but Experian didn't. Recently I discovered the account had the date of " first reported delinquent '' as XX/XX/XXXX, when it was actually first reported in XXXX when I stopped making payments and disputed the charge with XXXX XXXX. The account was to be removed in XX/XX/XXXX. Again, XXXX  and XXXX  deleted the account but Experian didn't. Experian 's account details had the amount paid as {$1400.00} ( full amount ) which was wrong, the date of reporting as XX/XX/XXXX which was wrong, and the account to be removed in XX/XX/XXXX which was another 7 years. I called Experian XX/XX/XXXX to dispute it. I also called XXXX XXXX who immediately sent a letter to Experian and myself instructing them to delete the account as they had last XXXX ( XXXX ). The woman I spoke to advised me to make this complaint. I uploaded the letter to Experian that day. When I checked my Experian report the next day the details under the Credit First account were removed but the account was still listed as a Charge Off AND the account no longer said it was in dispute. Also hard pulls weren't removed that have been listed for over two years. I called Experian and was told that I had to wait 30 days and if I told them to drop the dispute ( which is not indicated on the on-line account anymore ) they would not fix it. To date the information has remained incorrect.

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 2022-08-16
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
I am not satisfied with the outcome of my previous complaint. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I started service with XXXX in XXXX of XXXX and by XXXX they were already overcharging and services were not working so I canceled the internet and resumed service with the home security. They continued to overcharge and services were still not working properly so I told them if they did not correct the bill and fix the service issues I would not be moving forward. They did not do either so I requested the services to be disconnected. They instead disconnected for non-payment and then billed me for equipment charges and service charges ( although the services were not working and there are daily chat transcripts showing this ). I noticed today that there was a collection account on my credit report asking for the service charges and for equipment charges and the company has had the equipment in their possession. I was told by a customer service representative that the {$500.00} in installation charges for the security equipment are considered early termination fees and that I still have to pay for the equipment although the equipment has been returned to them. He also stated I signed this in the contract when service was started on XX/XX/XXXX and when the service was changed on XX/XX/XXXX. I read the agreement and nothing in there states that I have an ETF of any sort if the service is disconnected nor does it state that I am liable for continued equipment charges. I asked to speak with a manager or their legal team to discuss the contract that I signed and I was placed on hold for over 30 mins and no one has yet to come back to the line. I am actually typing this complaint as I sit on hold for the representative. They have now disconnected the line. I dialed in at XXXX XXXX eastern today XX/XX/XXXX, and the total call was for 41 mins.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TCF NATIONAL BANK
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Beginning in  XXXX  of  2016 , Gateway One Lending began to report my account as being delinquent, despite receiving my payments on time. After several attempts to rectify this situation, to no avail, I have no other choice but to seek outside assistance, including possible legal action. My attorney has made several calls  to Gateway One,   only to be given numerous explanations to why this miscalculation continues to damage my  Credit  worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: FL
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS FOUGHT TO MAINTAIN A GOOD CREDIT SCORE BECAUSE I UNDERSTAND THE IMPORTANCE OF HAVING GOOD CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2015-10-24
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Our VA mortgage is financed thru Freedom Mortgage, they called and said they wanted to reduce our mtg. by XXXX % - just because ... he said they would send electronic documents to sign. I told him I wanted full disclosure he said no problem. When I review the e-docs I did not like what they said, did not sign and sent an email we were not interested. I have sent XXXX emails telling them we are not interested. This morning I got email that said " congratulations on you loan application, now sign these additional docs ''. We never signed anything, electronic or otherwise. I have emailed them again and still they are saying we need to submit additional docs to " lock in our rate ''. We do not want this, they are our current VA Mortgage servicer, I am now afraid of them and do not trust them. What can I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I OFTEN PAY MY MORTGAGE AT THE LAST DAY OF THE GRACE PERIOD, E.G., ON THE XXXX OF THE MONTH. I DEPOSIT THE CHECK WITH A TELLER AT XXXX OF THE BRANCHES. 
THE TELLER GIVES ME A DEPOSIT RECEIPT THAT HAS RECORDED A LATER DATE, SAY THE XXXX OF THE MONTH. 
I THEN SAY THAT IS WRONG AND ASK THAT THE TELLER TO INITIAL THE DEPOSIT SLIP WITH THE DAY DEPOSITED, AGAIN THE XXXX. 
I THEN WIND UP WITH A LATE FEE AS MY DEPOSIT IS RECORDED AT THE CENTRAL OFFICE AS LATE, WHEN IN FACT IT WAS ON TIME. 

A. IS THIS LEGAL B. DO I OWE A LATE FEE C. WAS THIS SETTLED YEARS AGO WITH XXXX BANK (? ) XXXX WHICH PAID AN ENORMOUS FINE {$450.00} MIL FOR THE JUST THE SAME METHOD OF RECORDING PAYMENTS AND CHARGING ILLEGAL LATE FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Arcadia Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original creditor claims that They were unfamiliar with collections agency and that I DO NOT HAVE ANY OPEN DEBT WITH THE ORIGINAL CREDITOR THEY SENT ME STATEMENT IN MY FAVOR ; Yet Their AFTER TELLING ME ON PHONE THEY WOULD WORK ON FIXING THIS I SHOULD TRY TO MYSELF?? My Insurance paid this {$480.00} bill I do n't owe anyone but collections agency ruined my credit score basically as my personal bank significantly lowered my credit line and gave false info as they left me with deragatory remarks with open collection unpaid.

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 2016-01-15
Company: LoanCare, LLC
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was recently sold to Loancare which is the worst company I have ever come across. Before we even received this so called welcome packet from the company I was incessantly harassed by automated phone calls demanding payment. Then after we received the packet and sent the initial payment I was still receiving calls from them and the began receiving letters telling me my loan was in default all the while having been paid up. The conduct of this company has been totally unprofessional and can only be characteried by harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/2020 I sent Transunion a dispute letter letting them known that they have several things reporting incorrectly on my credit report. The errors that I found : Wrong creditor listed, the open date has been changed in an attempt to re-age the account, statue of limitation has expired on the debt, and the date of last activity is incorrect. They show that XXXX XXXX has the account but i received a letter from a company named XXXX XXXX, stating they have the account. I would like to file a formal compliant on Transunion. They did not do a proper investigation on this account. Transunion is still reporting inaccurate information on my credit file. Below I have attached a copy of what I was sent from the creditor when I tried to validate the account. And I have attached the last dispute letter I sent Transunion along with a screen shot of how transunion is still reporting this account as XXXX XXXX as the holder of the 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 2016-09-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a flex line ( home equity line of credit ) with 5/3 Bank for {$11000.00}. It had a XXXX balance on it for years. In the fall of XXXX, 5/3 Bank charged an annual fee of {$65.00} to keep the line of credit open. I failed to pay the {$65.00} fee. Then 5/3 Bank placed the {$65.00} annual fee in my line of credit as a balance and charged {$1.00} interest. When the fee was 30 days late, they called me at work and notified me. I authorized payment over the phone or I moved the money from one of my 5/3 Bank accounts to pay the fee immediately in the amount of {$66.00}. In the early part of XXXX, 5/3 Bank reported to the credit bureaus that I was more than 30 days late on a mortgage payment. This report has caused my credit to drop by more than XXXX points. I have contacted 5/3 Branch managers and been told that they can not do anything about this matter. I have contacted the customer care center and spoke to the support manager XXXX, employee id : XXXX. 
She told me that the fee is a mortgage payment and therefore has been reported correctly. I believe that the {$65.00} fee is an invoiced item. I do not believe that it is accurate or fair to report the late invoiced item as a mortgage late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I had XXXX late payment to XXXX XXXX Bank in XX/XX/XXXX. Since then XXXX have not had a late payment. I have had the card since XX/XX/XXXX. I did not havehave a late payment prior to XX/XX/XXXX. They put this account in the " con-sidered negative '' category and refuse to remove it from that categoryuntil XX/XX/XXXX.. .7 years of punishment for XXXX late payment. I contacted thebank and they said that they did not request the negative assessment. Icontacted the reporting agency and they refuse to adjust the time line. 
The punishment is onerous and unfair and I am unable to find a way toremove the negative connotation. I am not saying that I was not late thatone time -- I am not arguing about the validity of the " lateness '' but I amupset that I can not get the account re-classified. 7 years is way toolong to be punished for XXXX late payment.

Company response to consumer: Closed with explanation